North Dakota Car Insurance

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Here's what you need to know...
  • North Dakota operates under no-fault car insurance laws and all drivers are required to obtain car insurance
  • Basic no-fault car insurance is offered typically only in no-fault car insurance states and provides coverage for financial loss as a result of injuries sustained in a car accident without regard to fault
  • Make sure to compare rates with multiple companies to see who offers the best rates

North Dakota operates under no-fault car insurance laws and all drivers are required to obtain car insurance. If you are new to North Dakota and not familiar with no-fault car insurance it’s important to understand exactly how no-fault car insurance works.

Only a dozen states have no-fault auto insurance laws. Typically car insurance requirements in no-fault states require personal injury protection, liability insurance, and more.

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Car Insurance Laws in North Dakota

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Since North Dakota operates under no-fault car insurance laws, it can be confusing for people coming from a state operating under the traditional tort system.

In addition to learning about the types of car insurance coverage available, you also have to learn what no-fault auto insurance means.

Basically no-fault car insurance is a set of laws created to minimize nuisance lawsuits and expedite claims processing while lowering car insurance rates.

When a car accident happens, each driver’s own liability insurance protection will cover the damages they incurred since nobody was technically at fault.

There are still many conditions under which a driver can sue, especially when an accident is caused by extreme negligence or where damages exceed policy limits of coverage, but most no-fault car insurance states have seen a rapid decline in car insurance lawsuits.

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North Dakota Car Insurance Requirements

North Dakota requires all drivers to have minimum mandatory levels of car insurance as follows:

  • Bodily Injury Liability – $25,000 per person / $50,000 per accident
  • Property Damage Liability – $25,000 per accident
  • Uninsured Motorist (UIM) Coverage – $25,000 per person/ $50,000 per accident
  • Underinsured Motorist Coverage – $25,000 per person/ $50,000 per accident
  • No-Fault Basic Car Insurance (PIP) – $30,000 per person

Basic no-fault car insurance is offered typically only in no-fault car insurance states and provides coverage for financial loss (such as medical costs and loss of income) as a result of injuries sustained in a car accident without regard to fault.

What is the penalty for driving with no insurance in North Dakota?

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Drivers convicted of operating a vehicle without the required car insurance are subject to a mandatory fine of at least $150.

However, if you become involved in a car accident operating a vehicle with no car insurance then your driver’s license will automatically be suspended and the state will charge 14 points to your driving record (enough to automatically trigger a suspension).

North Dakota Car Insurance Companies

Almost all major car insurance companies offer coverage to North Dakota residents including, however, North Dakota is home to almost 100 car insurance companies so take your time and look at both well-known car insurance companies and regional providers.

The key to finding the best ND car insurance rates will be to start a car insurance quotes comparison search online.

Compare North Dakota car insurance rates for free today!

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