North Dakota Minimum Car Insurance Requirements
North Dakota requires all drivers to carry liability insurance with minimum limits of 25/50/25: $25,000 per person for bodily injury, $50,000 total per accident, and $25,000 for property damage.
Driving without insurance in North Dakota can result in license suspension, fines up to $1,000, and vehicle impoundment. Proof of insurance must be provided at traffic stops.
Even if you have no SSN or are undocumented, you are legally required to carry insurance to drive legally. Insurance companies do not report customers to immigration authorities.
Can Immigrants Get a License in North Dakota?
North Dakota does NOT currently allow undocumented immigrants to obtain a standard driver license based on residency alone. You will need proof of lawful status or a valid visa.
If you have a valid visa, passport, or employment authorization document (EAD), you can apply for a license at your local DMV with proof of North Dakota residency (utility bill, lease, bank statement).
If you cannot get a North Dakota license, check if a neighboring state like Montana or Minnesota offers options. Some states issue driver licenses regardless of immigration status.
Best Insurance Options for Immigrants in North Dakota
Many insurers in North Dakota accept ITIN numbers (Individual Taxpayer Identification Numbers) from the IRS instead of an SSN. Learn more at https://www.irs.gov/individuals/individual-taxpayer-identification-number
If you have a driver license from another state or country, some insurers will insure you using that license. Some companies also accept passport numbers or international driving permits.
Get quotes from multiple insurers. Rates vary widely. Check with larger national carriers. Always ask explicitly: Do you accept ITIN or foreign license?
Tips for Immigrant Drivers in North Dakota
North Dakota winters are harsh. Make sure your policy includes comprehensive coverage for weather damage and uninsured motorist protection, which helps if hit by an uninsured driver.
Keep proof of insurance in your vehicle at all times. Police stops are common on North Dakota highways. Showing valid insurance protects you legally.
If you are pulled over, be respectful and calm. You have the right to remain silent about immigration status. Purchasing insurance does NOT trigger any immigration enforcement action.
For resources, contact the North Dakota Insurance Department at your state DMV or visit the National Association of Insurance Commissioners (NAIC) at https://www.naic.org for consumer help.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | |
| Bodily Injury (per accident) | $50,000 | |
| Property Damage | $25,000 | |
| Uninsured Motorist (BI per person) | $25,000 | Required in ND |
| Uninsured Motorist (BI per accident) | $50,000 | Required in ND |
| Uninsured Motorist (PD) | $25,000 | Required in ND |
| Underinsured Motorist | Same as UM | Required in ND |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most insurers in North Dakota accept ITIN for policies. Get your ITIN at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. North Dakota does not issue driver licenses to undocumented immigrants. You must have legal status or work authorization to get a North Dakota license.
North Dakota requires: 25/50/25 liability (25k bodily injury per person, 50k total, 25k property damage). You must carry proof of insurance in your vehicle at all times.
State Farm, Progressive, Allstate, and NDSIR (North Dakota State Insurance Reserve Fund) work with ITIN holders. Rates vary—get quotes from multiple insurers. No company reports you to ICE.
Not long-term. Insurance companies need a valid North Dakota or US license for active policies. If you have an International Driving Permit plus your foreign license, some insurers may accept it temporarily while you get a ND license.