Minimum Coverage Requirements in North Dakota
North Dakota requires minimum liability coverage of 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage). The state operates a three-stage graduated driver licensing (GDL) system: learner's permit at age 14, intermediate license at 15 (with passenger and nighttime restrictions), and full unrestricted license at 16. North Dakota law mandates that all auto insurers offer good student discounts to drivers under 25 who maintain at least a B average, making it one of the few states where this discount is a legal requirement rather than a carrier option.
How Much Does Car Insurance Cost in North Dakota?
Teen driver premiums in North Dakota are driven by limited driving history, higher accident frequency among drivers under 20, and the state's rural driving conditions. North Dakota's mandatory good student discount and broad availability of driver training discounts give parents more cost control than in most states. Adding a teen to a parent's existing policy is almost always cheaper than a standalone policy—often by $100–$200/mo.
What Affects Your Rate
- Good student discount (mandated by North Dakota law): typically 10–20% off for maintaining a B average or higher, verified by transcript or report card
- Driver training discount: state-approved driver education courses can reduce rates 10–15%; available through North Dakota high schools and private providers
- Telematics programs: app-based or plug-in devices that monitor driving habits; safe driving scores can earn 10–25% discounts with most North Dakota carriers
- Vehicle type: teens driving older sedans or minivans cost 20–30% less to insure than teens in SUVs, trucks, or sporty cars; theft and repair costs drive the difference
- Add-to-parent vs. separate policy: adding a teen to a parent's multi-car, multi-driver policy with bundled discounts is typically $100–$200/mo cheaper than a standalone teen policy
- Graduated licensing status: some insurers offer small discounts when a teen completes the intermediate license phase without violations, recognizing reduced risk
See what adding a teen driver actually costs in your state
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Get Your Free QuoteCoverage Types
Liability Insurance
Pays for injuries and property damage your teen causes to others. North Dakota's 25/50/25 minimum is the floor, not a recommendation.
Collision Coverage
Covers damage to your teen's vehicle after an accident, regardless of fault. Required by lenders; optional on paid-off vehicles.
Comprehensive Coverage
Pays for non-collision damage: theft, hail, vandalism, fire, and animal strikes. Deductible applies.
Uninsured/Underinsured Motorist Coverage
Protects your teen if they're hit by a driver with no insurance or inadequate coverage. Must be offered in North Dakota; can be rejected in writing.
Good Student Discount
North Dakota law requires all auto insurers to offer discounts to drivers under 25 who maintain at least a B average.
Telematics Programs
App-based or plug-in devices that monitor speed, braking, mileage, and time of day. Safe driving earns discounts; risky patterns can increase rates or result in no discount.
