Car Insurance in North Dakota

    • We protect what you value as well as your way of life
    • Personalized auto insurance quotes by agents who live in your community
    • Get good student and accident forgiveness discounts – safe driver
    • Your agent will get to know you personally
    • Package discounts

Not all car insurance in North Dakota are created equal and most of the time, the cheapest one might not be the best for you.

 

Car Insurance Requirements for Drivers in North Dakota

Looking for car insurance in North Dakota? Drivers in North Dakota must have liability insurance, uninsured/underinsured motorist coverage, and no-fault coverage on their car insurance policy.

  1. Liability Insurance

Liability insurance helps cover the costs of injuries or property damage you have caused while driving your vehicle. In North Dakota, your liability insurance policy must have the following as a minimum:

  • $25,000 per person for bodily injury.
  • $50,000 per accident for total bodily injury when multiple people are injured.
  • $25,000 per accident for property damage.

 

2. Uninsured/Underinsured Motorist Coverage

If you were in a car accident and injured by a driver who doesn’t have liability coverage, uninsured motorist coverage could provide the necessary coverage.

If you were in a car accident and injured by a driver whose liability coverage is less than your underinsured coverage, underinsured motorist coverage could provide the necessary coverage.

In North Dakota, your car uninsured/underinsured motorist coverage policy must have the following as a minimum:

  • $25,000 per person for bodily injury.
  • $50,000 per accident for total bodily injury when multiple people are injured.

 

3. No-Fault Coverage

It’s important to know that North Dakota is a no-fault state. If you were in a car accident, no-fault insurance will provide coverage for your injuries no matter who was at fault for the accident. That said, your no-fault coverage North Dakota car insurance policy must have the following as a minimum:

  • $30,000 per person

 

Why Do I Need Car Insurance in North Dakota?

It may be a nuisance paying for auto insurance, but if you get involved in a car accident, you will be happy to have it. Having a reliable car insurance policy:

  • Saves you money on medical bills after an accident.
  • Protects you from uninsured or underinsured motorists.
  • Saves you money on repairs due to theft, vandalism or natural disasters.
  • Is required by law.

 

*Sources:

https://www.nd.gov/ndins/consumers/auto/

 

****All coverage is subject to policy terms and conditions, see your policy for details****