Auto Insurance in North Dakota

How Do We Make Your Car Insurance Better?

    • We Protect What You Value and 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

All North Dakota auto insurance plans are not created equal. The cheapest car insurance in North Dakota may not be best for you.

 

What Are The Car Insurance Requirements For A Driver In North Dakota?

Looking for car insurance in North Dakota? A driver 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 caused while driving your vehicle.

In North Dakota, your liability insurance policy must have the following as a minimum:

  • $25,000 per person for bodiy 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 needed coverage.

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

Its 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.

In North Dakota, your no-fault coverage insurance policy must have the following as a minimum:

  • $30,000 per person

 

WHY DO I NEED CAR INSURANCE?

It may be a nuisance paying for car insurance, but if you are involved in the unfortunate event of a car accident, you will be happy to have it. Car insurance in North Dakota helps with the following:

  • Saves you money on medical bills after an accident
  • Protects you from uninsured or underinsured motorists
  • Help saves you money on repairs due to theft, vandalism or natural disasters
  • Its the law

 

*Sources:

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

 

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