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Minimum State Insurance Requirements » North Dakota

25 / 50 / 25

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $25,000



North Dakota Car Insurance Information

Carrying proper auto insurance coverage is important for all North Dakota drivers. Failure to show proof of liability protection can result in heavy fines and a possible suspension of the driver’s license.

North Dakota Car Insurance Information

Car insurance protects drivers and other individuals should an accident occur. Damage to vehicles and injuries suffered by innocent parties can result in thousands of dollars in claims. The North Dakota car insurance information given below describes the costs involved and the amounts of coverage needed.

North Dakota is scarcely populated. There are plenty of long, open stretches of highway between communities. Drivers often run up many thousands of miles on their vehicle each year. The weather can be severe, with blizzard conditions in winter and sub-zero temperatures. This can increase the chances of a road accident, therefore it is vital for all drivers to maintain insurance coverage at all times.

Car Insurance Minimum Requirements

North Dakota state law requires all drivers to carry a liability insurance policy when operating a motor vehicle. The minimum coverage amounts are 25/50/25, with the numbers representing thousands of dollars. Drivers must have at least $25,000 in coverage for the costs relating to an injury of an innocent victim. Twice this amount must be carried for the costs of all injuries to non-fault parties per accident, and $25,000 must be included on the policy to cover vehicle and property damage sustained by non-fault individuals.

North Dakota is a no-fault state, meaning that the insurance provider will pay for medical reimbursement regardless of who is at fault in an accident. Personal injury protection is mandatory in the state, as is uninsured motorist protection. Approximately 10 percent of all drivers in North Dakota are carrying no liability insurance. Uninsured motorist protection will cover the costs of injuries and property damage should an accident be caused by someone not carrying proper coverage.

Car Insurance Companies

Nearly all of the larger national insurance companies are licensed to sell policies in North Dakota. Many smaller, regional providers have headquarters in Fargo and Bismarck. Because of the great number of farming operations in the state, many of these companies offer a combined policy for homeowners, special equipment operators and drivers in general. Many individuals can save money on their auto insurance policy by combining this coverage with another policy. When shopping for car insurance in North Dakota, customers will automatically have the minimum amount of liability coverage, personal injury protection and uninsured motorist protection figured into the quote given.

Free Car Insurance Quotes For North Dakota

Insurance shoppers can go online and compare rates from several different providers, choosing the policy that best fits their needs and budget. Comparison shopping offers consumers the opportunity to select the amount of coverage, change the deductible amount on collision protection, and see what types of safe driver discounts are available. For a free, no obligation quote on affordable auto insurance in North Dakota.

Car Insurance Rates

The amount one pays for auto insurance in North Dakota depends on the make and model of vehicle, the amount of liability protection chosen, and the driving record of the individual. North Dakota is one of the most expensive states for car insurance, averaging over $220 per month per household. This is primarily due to the requirements for liability insurance, PIP and uninsured motorist protection.