North Dakota Auto Insurance Guide
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North Dakota Beech to Fargo, Minot to Grand Forks, North Dakota has thousands of miles of roadways. They’ll take you North Dakota Rugby, the geographic center of North America, to downtown Bismarck, North Dakota the Red River Valley to the Drift Prairie and the Missouri Plateau. They’re used by nearly half a million licensed drivers, who each put in an average of over 13,000 miles a year. Along the way, those drivers are involved in thousands of traffic accidents every year, including many that result in serious injury or death. Wherever you live and drive in the Peace Garden State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to North Dakota’s basic vehicle insurance requirements and laws.
North Dakota state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. North Dakota is a no-fault state. That means your insurance will pay your injury claims up to a specified limit, regardless of who caused the accident. Under a no-fault system, you lose some of your rights to sue for damages.
The bare minimum car insurance requirement for North Dakota drivers is:
North Dakota does not require you to carry additional coverage such as Collision and Comprehensive. However, If you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself North Dakota monetary loss.
You are required by law to carry proof of North Dakota car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so can result in severe penalties. Driving without liability insurance in North Dakota is a class B misdemeanor with a minimum mandatory fine of $150. If you are involved in any accident while driving without insurance, the state will automatically suspend your driver’s license.
Vehicle insurance premiums are regulated by the North Dakota Insurance Department. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
North Dakota also allows insurers to consider your credit history to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in North Dakota. The following laws have recently been enacted in North Dakota and may affect your insurance coverage decisions.
North Dakota Insurance Department
North Dakota Department of Transportation
Insurance Information Institute
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