North Dakota Car Insurance

The North Dakota Insurance Department administers the insurance laws for the state and provides oversight of all insurance companies and agents to protect consumers. All drivers are required to have insurance in North Dakota in the forms of liability, uninsured motorist, and personal injury protection coverage. Liability insurance will cover the expenses of the other party involved in an accident caused by you. Uninsured motorist insurance will cover your expenses if the at-fault party of an accident you are involved in does not have insurance. Personal injury protection will cover your medical and loss-of-work expenses, regardless of fault.

Required Coverages in North Dakota:

Liability Coverage:

  • Bodily Injury Liability Per Person: $25,000
  • Bodily Injury Liability Per Accident: $50,000
  • Property Damage Liability: $25,000

Uninsured Motorist Coverage:

  • Bodily Injury Coverage Per Person: $25,000
  • Bodily Injury Coverage Per Accident: $50,000

Personal Injury Protection Coverage:

  • Personal Injury Coverage Per Person: $30,000

If you are caught driving without auto insurance in North Dakota, you will be found guilty of a class B misdemeanor and fined $150. If you are involved in an accident while driving without insurance, you will have 14 points against your driver license which will then be suspended.

Determining Your Rate in North Dakota

The Insurance Information Institute shows that the national average cost for liability insurance is $474, but the average cost for liability insurance in North Dakota is $240, which is one of the lowest averages in the country. What you have to pay will most likely differ from the state average because insurance rates in North Dakota are based on several factors. Your driving record, credit score, vehicle type, vehicle use, sex, age, marital status, and where you live are all taken into account when your rate is being determined. Individuals with high credit scores, clean driving records, who are female, married, and older than 25 are considered to be a lower risk to insure, resulting in lower insurance rates.

To give you an idea of what you may find when shopping for car insurance in North Dakota, the North Dakota Insurance Department provides a cost comparison that features ten examples. You can decide which example applies best to you, and then you can see quotes from 20 insurance companies in North Dakota.