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North Dakota Insurance Guide
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Insurance in North Dakota
Find comprehensive insurance information for North Dakota (ND) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | North Dakota (ND) |
| Region | Midwest |
| Population | ~780K residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | North Dakota Department of Insurance |
Health Insurance in North Dakota
North Dakota residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in North Dakota
North Dakota has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in North Dakota
Protect your home with coverage tailored to North Dakota’s specific risks and requirements.
Life Insurance in North Dakota
Find life insurance options available to North Dakota residents to protect your family’s financial future.
How North Dakota Compares
Understanding how North Dakota stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | North Dakota | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,189 | $1,935 | -39% (below average) |
| Health Insurance (monthly) | $778 | $477 | +63% (well above average) |
| Home Insurance (annual) | $2,145 | $2,377 | -10% (above average) |
| Uninsured Rate | 4.9% | 9.5% | -48% (among the best) |
Key Insights
- Health insurance benchmark premiums rank #45 highest. Premium tax credits can significantly reduce costs for eligible residents.
- North Dakota has one of the lowest uninsured rates in the nation (#5), indicating strong access to coverage.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- North Dakota Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - North Dakota (opens in new tab) - Federal health insurance marketplace for North Dakota
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any North Dakota address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- North Dakota Insurance Department
- Phone
- 701-328-2440
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in North Dakota?
North Dakota requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. North Dakota is a no-fault state with required PIP coverage.
How do I get health insurance in North Dakota?
North Dakota uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. North Dakota expanded Medicaid in 2014, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does North Dakota homeowners insurance cover hail damage?
Yes, standard homeowners insurance covers hail damage in North Dakota. Given the frequency of severe thunderstorms and hail, understand your wind/hail deductible, which may be percentage-based rather than a flat dollar amount.
Is North Dakota a no-fault auto insurance state?
Yes, North Dakota is a no-fault state with required Personal Injury Protection (PIP) coverage of $30,000. Your own insurance covers your medical expenses regardless of fault up to PIP limits.
What is the average cost of car insurance in North Dakota?
North Dakota drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Rural driving patterns and lower population density contribute to lower rates.
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Neighboring State Guides
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