North Dakota auto insurance laws

 Car insurance is required in almost every state, including North Dakota. Despite being one of the least populous states, North Dakota car insurance laws are intended to protect all drivers who live or travel in the Peace Garden State. Understanding some of North Dakota's most important car insurance laws is beneficial when making decisions about your auto insurance policy or switching carriers.

In 2019, North Dakota experienced 90 fatal crashes, resulting in 100 deaths. Although this figure is among the lowest in the country, it does not diminish the importance of comprehensive car insurance laws in North Dakota to protect all drivers on the roads.

North Dakota auto insurance laws 

There are several car insurance laws in North Dakota that are worth paying close attention to. Almost every state requires drivers to have minimum liability insurance. Drivers in North Dakota are required to carry minimum liability and other insurance coverage. This includes:

 

Liability insurance, which covers both bodily injury and property damage liability. 

Uninsured and underinsured motorist coverage

 

No-fault insurance at its most basic.

North Dakota liability insurance 

If you are the at-fault driver in an accident, liability insurance pays for damage to someone else's car or injuries. Drivers in North Dakota are required to carry a minimum of: 

Liability for bodily injury is $25,000 per person and $50,000 per accident.

 

Property damage liability is limited to $25,000 per incident. 

However, if you only purchase the bare minimum of liability coverage, you may not have enough financial protection if you are involved in a serious accident. For example, if the accident involves multiple vehicles and multiple injuries, the $50,000 may be insufficient to cover medical expenses.

Is North Dakota a fault-free state? 

North Dakota is one of the 12 states that have no-fault insurance laws. This means that all drivers involved in an accident, regardless of fault, must file a claim with their own insurance company. It also means that drivers must carry uninsured and underinsured motorist coverage, which protects them in the event of a hit-and-run accident.

What is the most affordable car insurance in North Dakota?

 

Bankrate compared rates from several auto insurance companies to find the best car insurance in North Dakota. The carriers with the lowest rates in the state are Nodak, USAA, Farmers, Geico, and American Family.