North Dakota Auto Insurance
Whether you’re driving to work in Fargo or cruising along the Enchanted Highway at sunset, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every adventure. So, take a few minutes to learn about cheap car insurance in North Dakota. Find out which coverages are required, which coverages are optional, and how a Direct Auto Insurance policy could be your cheap North Dakota car insurance solution. Get a free quote to see how much money you can save.
North Dakota Car Insurance Laws
Do you have to have car insurance in North Dakota?
North Dakota law requires drivers to purchase auto insurance policies that at least meet the state’s minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in North Dakota are 25/50/25, as shown below under North Dakota Minimum Car Insurance Requirements.
In addition to liability coverage, North Dakota is a no-fault state that requires drivers to carry personal injury protection (often called PIP coverage). All North Dakota auto insurance policies must also include uninsured/underinsured (UM/UIM) motorist bodily injury coverage equal to the state’s bodily injury liability coverage limits.
What is a no-fault state?
When people say, “North Dakota is a no-fault state,” what do they mean? Well, in a no-fault state, each person injured in a car accident files a claim on the policy of the vehicle they were occupying for their medical expenses. If an injured party does not have their own car insurance, they typically file a claim under the policy insuring the vehicle they were occupying at the time of the accident. Additionally, no fault states generally restrict you from recovering damages from the at-fault party unless they exceed a certain threshold.
In an at-fault state, however, the at-fault driver must have insurance to cover the other person's medical expenses, not their own. In this scenario, the at-fault driver's insurance would help cover the accident victim's expenses.
No-fault coverage only applies to injuries. In both no-fault states and at-fault states, drivers file property damage claims with the at-fault party’s insurer.
North Dakota Minimum Car Insurance Requirements
Wondering what your insurance policy needs to fulfill North Dakota’s insurance requirements? Here’s a quick breakdown by coverage type.
|
Coverages |
Is It Required by Law? |
|
Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary). |
Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident. |
|
Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more. |
Yes. $25,000 property damage per accident. |
|
Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage. |
Yes. $25,000 UM/UIM bodily injury per person. $50,000 UM/UIM bodily injury per accident. |
|
Personal Injury Protection (PIP) helps pay for your medical and related expenses stemming from an accident, regardless of fault. |
Yes. $30,000 PIP coverage. |
|
Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault. |
Not required.1 |
|
Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal. |
Not required.1 |
IMPORTANT NOTE: While purchasing liability coverage and other state mandated coverage ensures you satisfy North Dakota’s laws, it doesn’t protect you or your vehicle in every circumstance. You would need to add additional coverage, like comprehensive and collision, to more fully protect yourself and your vehicle.
1Your lender may require these coverages if you lease or finance your vehicle.
Are there additional coverage options?
For added peace of mind, there are add-on services and other insurance products available to North Dakota drivers:
North Dakota Proof of Financial Responsibility and Penalties
What if I don't meet North Dakota’s minimum car insurance requirements?
North Dakota takes a serious stance against vehicle owners who don’t meet minimum insurance requirements. The fines and other penalties for driving without insurance vary depending on the nature of the violation, according to ValuePenguin. However, driving without coverage is a Class B misdemeanor, and a conviction can lead to a steep fine, jail time, and a loss of driving privileges.
Penalties for Driving with a Suspended License in North Dakota
Driving without a valid license can lead to harsh penalties in North Dakota. Driving while revoked, suspended, or unlicensed can lead to a misdemeanor charge that comes with harsh fines, potential jail time, and eventually the destruction of your license plate.
SR-22 Insurance in North Dakota
Some states require high-risk drivers to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might need to keep one on file in North Dakota if they have:
- Been convicted of driving while suspended or revoked
- Failed to meet coverage requirements and were involved in an accident
- Been convicted of a DUI/DWI.
If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.
High-Risk Auto Insurance in North Dakota
Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.
We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.
Where can I find the cheapest car insurance rates in North Dakota?
Car insurance costs vary depending on a number of factors, including:
- The amount & type of coverage you choose
- The year, make, and model of the vehicle you drive
- How much you drive, where you drive, and where you live
- Your demographics
- Your driving record
- Your credit history
Other North Dakota Auto Insurance Resources
Find Cheap Car Insurance in North Dakota with Direct Auto!
Searching for cheap auto insurance in North Dakota? Get a free car insurance quote for a policy that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.
*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.
** The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.