North Dakota Auto Insurance

flag of North DakotaThe laws of the state require motorists to maintain an extensive amount of coverage compared to other states in order to protect it's residence. For this very reason it can be wise to obtain multiple quotes from various insurers in order to make sure that one is not overpaying for protection.

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Compare and Find Cheap Auto Insurance in North Dakota

The main importance of comparing ND car insurance providers is that they charge each driver differently based on their statistics. Some of the more common factors that a company will look at in order to determine a premium are as follows:
  • Driving history
  • Age
  • Gender
  • Marital status
  • Residence
  • Year, make and model of vehicle
When comparing providers one may come to realize that the rates may vary significantly. For this reason it is very important for consumers to take the time to compare prices and not make a haste decision and purchase the first policy offered. According to the North Dakota Guide to Automobile Insurance, shopping around is vital to lowering the cost of coverage. When completing comparisons one should always ask about any discounts that are offered. A discount can help save up to 20% on premiums. Being eligible for multiple discounts can help save even more.

North Dakota Car Insurance Law

The minimum requirements in ND are quite extensive and are as follows:
  • lady justiceBodily injury liability: $25,000 per person and $50,000 per accident; this compensates the other party for bodily injuries which the policyholder is found liable for due to a traffic accident.
  • Property damage liability: $25,000 per accident; this pays for any damages to the property of the other party caused by the policyholder as a result of a traffic accident
  • Uninsured/Underinsured motorist coverage: $25,000 per person/ $50,000 per accident. This pays for bodily injuries to policyholders and their passengers if struck by a motorist that does not carry the required limits, who is underinsured or if struck by a hit-and-run driver.
  • Basic no-fault: $30,000 per person; this compensates the policyholder for losses such as medical expenses and lost wages due to an automobile accident regardless of who was at fault. This coverage is also known as Personal Injury Protection (PIP).
If caught without being in compliance with ND auto insurance laws it is considered a class B misdemeanor and there is a mandatory fine of at least $150. If a motorist is involved in a collision and caught without coverage, the state will add 14 points to one's record which will result in a suspension of driving privileges. Also keep in mind that none of the required policies cover any damages to the vehicle of the insured. For this, one may want to consider adding comprehensive and collision coverage to their policy.

Questions Regarding North Dakota Insurance

  • Does the North Dakota Insurance Department Set Auto Coverage Rates?

    North Dakota state mapThe North Dakota Insurance Department is responsible for regulating auto insurance rates, but not setting them. Coverage providers set rates based on data that indicate a driver's risk of filing a claim. Although individual insurers use different methods for determining a motorist's level of...

  • What are the North Dakota Auto Insurance Markets?

    Close up of the North Dakota state flagWhen a coverage provider in North Dakota writes an auto insurance policy, it usually bases the driver's premium on how likely they are to file a claim in the future. To easily determine this, many vehicle owners are placed into specific categories, or markets, which correspond to a...

  • Will the Other Driver's ND Car Insurance Co. Cover All My Damages?

    North Dakota state flagIn North Dakota, like many states, the process of recovering damage expenses after a crash can get complicated. The Peace Garden State has a legal provision called several liability, which means multiple parties can share fault for a crash, with appropriate percentages of fault assigned to...

News for North Dakota Car Insurance

  • North Dakota Drivers Must Show Car Insurance Proof On Site

    August 01, 2013 - Starting Thursday, a North Dakota law goes into effect requiring drivers to show proof of coverage on site during a traffic stop. Previously, drivers stopped by authorities were given a 20-day grace period if they were unable to provide proof that their vehicle is insured ...

  • Electronic Proof of Auto Insurance OK'd in Alaska, North Dakota

    June 10, 2013 - More states are joining others legalizing the use of "e-cards," an industry term describing proof of auto insurance displayed on digital devices such as smartphones and tablets. Since Online Auto Insurance News last reported on the topic, Alaska authorized "e-card" use when Gov. Sean Parnell signed off on HB 146 on May ...

  • Three Insurance Depts. Recovered More than $15 million in 2011

    June 15, 2012 - The amount of money recovered for consumers in 2011 by regulators in Louisiana, North Dakota and Arizona totaled more than $15 million, officials in those states recently reported. Each state in the U.S. has an insurance department charged resolving ...

North Dakota Auto Insurance Articles

  • North Dakota Car Insurance for High Risk Drivers

    Jan 23, 2012 - All motorists in North Dakota are required to purchase auto insurance, but some drivers may encounter higher rates. Every coverage provider in the Peace Garden State groups vehicle owners into...

  • North Dakota Auto Insurance Quotes and Pricing

    Dec 12, 2011 - Auto insurance prices in North Dakota are likely to be unique depending on the coverage provider and a number of additional details. These differences are largely because rates in the Peace Garden State are set by individual companies and...

  • Required North Dakota Car Insurance and Definitions

    Oct 10, 2011 - As with most states in the nation, in order for a resident of ND to register and operate a motor vehicle they must first obtain a car insurance policy. Being caught operating without meeting this requirement is considered a...