Teen Driver Insurance in North Dakota for Parents
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
14
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in North Dakota
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.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in North Dakota
$153–$345/mo
Typical monthly rate in North Dakota, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Graduated licensing status: some insurers offer small discounts when a teen completes the intermediate license phase without violations, recognizing reduced risk
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
restricted license only; sunset-sunrise for under-16 restricted
Passengers
graduated; no more than 1 passenger under restricted license
Source: IIHS and state DMV records, verified July 2026
Coverage 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.