North Dakota

Plan Sites   >   North Dakota

North Dakota Automobile Insurance Plan

North Dakota Automobile Insurance Plan

Click here for Plan information

The North Dakota Automobile Insurance Plan (NDAIP) was created to provide automobile insurance coverage to those eligible risks who are unable to obtain coverage in the voluntary market. This Plan became effective on June 1, 1945.

All insurers writing automobile insurance in North Dakota are required to participate in the NDAIP by subscribing to the Plan.

All agents and brokers holding a valid license to transact automobile insurance in the state of North Dakota are eligible to submit applications to the Plan.

Applicants must declare and certify that they have tried and failed to obtain automobile insurance in North Dakota within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the Plan. Applicants must have also have a valid drivers license or be eligible to obtain one through a filing. For further information, consumers should consult their agent or broker.

Mailing Address

Central Region
P.O. Box 6530
Providence, RI 02940-6530

Office Hours

Monday - Friday 8:00 am - 4:00 pm CT

Phone

(888) 706-6100

Fax

(800) 827-6260

Email

ndaip@aipso.com


Announcements

EASi Email Verification Required Beginning January 13, 2026

EASi will soon display a message after the Log In Screen that requires a Producer of Record to enter and verify their email address.   

  • Only the following individual should complete the email verification:
    • Legal holder of the license
    • Designated Responsible Party (DRP)
    • Principal Producer
  • The email entered must not be a shared or group email address
  • Once verified, the Producer of Record will receive a one-time 6-digit passcode at that email address.  Entering the passcode will be required to complete the process.  
  • The Email Verification message will no longer appear on the EASi Log In Screen for your Agency after the Email Verification process is completed, unless “Reverify” is needed to make a correction.  The message will appear, and steps 1-2 must be repeated.

Personal auto policies to be issued in the name of the North Dakota Automobile Insurance Plan starting April 1, 2024

Effective April 1, 2024, personal auto policies will be issued in the name of the North Dakota Automobile Insurance Plan.

On January 1, 2020, the North Dakota Personal Automobile Insurance Procedure (PAIP) was implemented to replace the private passenger direct assignment mechanism. The PAIP, a pooling mechanism, was approved to handle private passenger risks. At that time, AIPSO with a licensed insurance company was appointed as the service provider. These policies were issued with National Specialty Insurance Company as the insurer.

Subsequently, legislation was presented to the North Dakota legislature, approved, and enacted effective August 1, 2023. Enactment of that law now allows the Plan to issue policies in its own name.

Existing in force policies with National Specialty will be nonrenewed 30 days in advance of policy expiration. The insured will have the option to (1) shop the voluntary market, or (2) to apply back to the Plan.

For further information regarding PAIP and revised Plan language, please refer to the North Dakota Automobile Insurance Plan Site at www.aipso.com/Plan-Sites/North-Dakota.

Any questions can be directed to the North Dakota Automobile Insurance Plan at 1-888-706-6100.

Forms

Central Region
PO Box 6530 Providence, RI 02940-6530
Monday-Friday 8:15 am - 5:00 pm ET
Phone: (888)706-6100  Fax: (800)827-6260  Email: ndaip@aipso.com