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North Dakota
Auto Insurance

Requirements of Motorists under ND State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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North Dakota Car Insurance Requirements

Coverage Minimum - 25/50/25

Coverage Explanation - Car insurance coverage in North Dakota must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident.

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Important North Dakota Auto Insurance Laws!

1. ND state law requires that all motor vehicles registered and operated in the state carry certain minimum insurance coverages.

2. Motorists are required to carry all of the types of insurance notes in the "Important to Note" section below.

Important to Note:

Bodily Injury Liability: Bodily injury liability provides coverage for claims brought against you for bodily injury caused to another person through the operation of your vehicle.

Property Damage Liability: Property damage liability provides coverage for claims brought against you for damage caused to someone else's property through the operation of your vehicle.

Uninsured Motorist Coverage: $25,000 per person/ $50,000 per accident. Uninsured motorist provides you coverage for a bodily injury claim you would have against another driver who does not have insurance. This coverage does not pay for physical damage to your vehicle.

Underinsured Motorist Coverage: Underinsured motorist coverage must be equal to the uninsured motorist coverage. Underinsured motorist provides you coverage for a bodily injury claim you would have against another driver whose liability coverage is less than your underinsured coverage.

Basic No-Fault: $30,000 per person. Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury in your auto - without regard to fault. No-fault is also known as Personal Injury Protection or PIP.

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Non-Compliance Penalties

Under North Dakota auto insurance law, driving without liability insurance is a class B misdemeanor and is punishable by a mandatory fine of at least $150. Additionally, if you are involved in any accident, the state will assess 14 points against your drivers license, resulting in a suspension of your license.


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