North Dakota Car Insurance for Drivers 75+
North Dakota requires 25/50/25 liability coverage and is a no-fault state.
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North Dakota at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
70
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in North Dakota
North Dakota operates under a no-fault system, which means your own Personal Injury Protection (PIP) coverage pays your medical expenses regardless of who caused the accident. The North Dakota Insurance Department requires all drivers to carry proof of insurance at all times, and law enforcement can verify coverage electronically. North Dakota's statute requires PIP coverage to remain in force continuously — a lapse triggers immediate license suspension and reinstatement fees.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Underinsured Motorist Coverage
What Drivers Pay in North Dakota
$111–$148/mo
Typical monthly rate in North Dakota, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Credit-based insurance scoring remains legal in North Dakota and significantly impacts rates for drivers over 75 who carry minimal credit activity or have frozen credit reports.
Find Coverage That Fits Driving Past 75
Compare Auto Insurance for Drivers 75+Mature-driver discount
Required by state law
N.D.C.C. 26.1-25-04.1 (age-neutral, appropriate reduction, no fixed %)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
Can I be non-renewed in North Dakota just because of my age?
North Dakota law does not prohibit age-based non-renewal. Several national carriers non-renew policies at age 80 or 85 as a matter of underwriting policy, and you will receive notice 30 to 60 days before the policy term ends. If non-renewed, you can move to a carrier that writes policies for drivers over 80, or apply through the North Dakota Automobile Insurance Plan (assigned risk pool) as a last resort.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. North Dakota's 25/50/25 minimums are the lowest limits available but insufficient for protecting accumulated assets.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, weather, fire, and animal strikes. Particularly relevant in North Dakota due to wildlife collision frequency and severe winter weather.
Uninsured Motorist Coverage
Protects you when the at-fault driver has no insurance. North Dakota automatically includes this coverage unless you reject it in writing on a state form.
Full Coverage
Combines liability, PIP, comprehensive, collision, and uninsured/underinsured motorist coverage. Maximum protection for both your vehicle and your assets.