North Dakota Auto Insurance

Posted by Harry Wagner

Looking for cheap car insurance in ND? Find it by entering your zip code in the space at the top and compare free North Dakota auto insurance quotes today.

In North Dakota, drivers have no choice but to follow a no-fault system. This means that their rights to sue another driver that causes bodily injury to them are curtailed. However, North Dakota drivers are still required to purchase liability insurance and some extra coverage as well.

What Are the Auto Insurance Requirements in North Dakota?

The required auto insurance in ND is as follows:

  • Bodily Injury Liability to cover the medical bills or funeral expenses of one person – $25,000
  • Bodily Injury Liability to cover all those injured or killed in a collision – $50,000
  • Property Damage Liability to repair or replace damaged property – $25,000
  • Uninsured Motorist Bodily Injury – $25,000 for one person, $50,000 for all those injured
  • Underinsured Motorist Bodily Injury – $25,000 for one person, $50,000 for all those injured
  • Personal Injury Protection (PIP) insurance – At least $30,000

What Are the Penalties for Driving Uninsured?

North Dakota is a state that takes its auto insurance laws a little more seriously than other states. Those who refuse to purchase North Dakota car insurance may be faced with paying a fine of up to $150 for a first offense. These drivers may also lose their registrations to suspension or revocation. To have their driving privileges restored, they will need to purchase auto insurance in ND.

If drivers in North Dakota believe that their auto insurance coverage is too expensive before they are discovered to be driving uninsured, they will truly be stunned when they learn how much they will need to pay for their coverage after. If they want to have their registrations returned to them, they are going to need to purchase this coverage. However, they will be very high risks, and the coverage will cost them much more than it would have if they had never driven without insurance.

Don’t Drive without Auto Insurance

It’s so unnecessary to drive without auto insurance in ND. The comparison tool on this website is here to assist North Dakota drivers in finding their coverage for the most affordable price. After they enter their zip codes above, they only have to sit back and wait a couple of minutes to receive several free North Dakota auto insurance quotes. If they were to perform this work on their own, it would take days, maybe even weeks to develop a list they could have in minutes by just entering their zip codes above.

Seek Quotes and Lower Your Risk

If North Dakota drivers have proven themselves to be high risk drivers in the past, they are also people who would benefit from a comparison search, and they can work to lower their risk levels. For example, if they are high risks because they have received several speeding tickets, they can begin to drive very carefully and not obtain another ticket for traffic violations. The most important thing they will need to do is seek the most advantageous auto insurance quotes by comparing rates on this website today.