This page is designed to give you some of the basic information about North Dakota car insurance that you will need to shop for the best auto insurance price possible. This page is only intended as a guide, it probably will not answer all your questions about auto insurance. If you have additional questions, please call, write, or visit your auto insurance agent’s office.
In a study done by the III (Insurance Information Institute) from 1999-2003, North Dakota has the least expensive insurance in the entire country with an average of $504.19! Are you overpaying? The only way to find out is to shop around and get a quote for auto insurance in North Dakota. Getting a quote is easy at InsuranceFinder.com
Automobile insurance companies in North Dakota will look at your credit history as a factor in determining your premium. Consumers with a bad credit history might be charged a higher car insurance rate than a consumer with a good credit history. However, remember that each automobile insurance company has different underwriting standards, and just like having varying car insurance rates, one car insurance company may write you a policy while the other one doesn’t.
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North Dakota Automobile Insurance Requirements:
The state of ND requires all cars that are registered in the state carry auto insurance. 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 driver’s license, resulting in a suspension of your license. To comply with the law the minimum coverage for car insurance in North Dakota is:
Liability Coverage: 25/50/25
Uninsured Motorist Coverage 25/50
Underinsured Motorist Coverage
Basic No-Fault (also known as Personal Injury Protection)
The liability coverage will cover $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. The uninsured motorist coverage is in place to protect you in case an uninsured motorist hits you, the minimum coverage for this is: $25,000 for bodily injury per person, and $50,000 for bodily injury per accident. Furthermore, the minimum required coverage for “Basic No-Fault” is $30,000 per person.
Optional coverage that you may want to consider adding on to your car insurance policy in North Dakota include:
Collision coverage
Comprehensive coverage
Towing
Death & dismemberment
GAP Coverage
The North Dakota Automobile Insurance Plan:
If you can’t find an insurance company in North Dakota to write you a policy, you may be considered a high-risk driver. As a result, you may have to get insurance through the North Dakota Automobile Insurance Plan, also known as an “assigned risk” plan. However, use this as a last resort because premiums with the North Dakota Automobile Insurance Plan are very expensive! If you’re interested in receiving more information regarding the North Dakota Automobile Insurance Plan, you can access the manual and application at www.aipso.com/nd/ or reach them at:
North Dakota Automobile Insurance Plan Office
6900 Wedgwood Road Suite 470
Maple Grove, MN 55311-3552
You can also contact them at: (877) 251-3200 or reach them via fax at: (866) 339-9100 |
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