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North Dakota car insurance

North Dakota Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

North Dakota mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Anyone caught driving without insurance will be fined $150 and may accumulate 6 or 12 points on their driving record. A second offense within 18 months means a $300 fine and another 6 or 12 points. In addition, proof of insurance will need to be provided for three years thereafter.

Also, failure to provide proof of insurance means an immediate license suspension.

North Dakota Minimum Liability Coverage
Each state sets its own minimum liability amounts. In North Dakota they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $25,000
  • Personal Injury Protection: $30,000

North Dakota Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

North Dakota requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
North Dakota is a No Fault state meaning that a driver will have their injuries paid for by their insurance company no matter who is at fault.