North Dakota Car Insurance

Last Updated on

North Dakota insurance laws requires drivers to insure their cars. Car insurances will protect drivers from legal actions and financial loss in the event of an accident. Read this article to get more information about North Dakota car insurance requirements, laws, programs and other relevant information related to car insurance.

North Dakota Car Insurance Requirements

If you purchase a car in this state, you must purchase the following insurance policies for your car:

  • Uninsured/underinsured motorist coverage
  • Liability coverage
  • No-fault coverage.

Liability Insurance

North Dakota’s liability car insurance will cover the cost of property damage and injuries you cause after a car accident. The minimum requirements for North Dakota liability car insurance include:

  • $25,000 for death or bodily injury per person
  • $50,000 for total deaths or bodily injuries involving multiple accident victims
  • $25,000 for property damage.

Uninsured/Underinsured Motorist

North Dakota car insurance laws also require you to purchase uninsured and underinsured motorist coverage. This type of insurance coverage will cover your injuries suffered in a car accident involving a driver with inadequate insurance cover or no insurance cover. The minimum requirements for both uninsured and underinsured coverages include:

  • $25,000 for death or bodily injury, per person
  • $50,000 for total death or bodily injury if your passengers were also injured.

No-Fault/PIP Insurance

North Dakota drivers are required to purchase no-fault insurance known as Personal Injury Protection (PIP). Personal Injury Protection covers the cost of medical expenses resulting from injuries you suffer after an accident, up to your policy’s limits, regardless of who was at fault. The minimum limit for PIP is $30,000 per person per accident.

Optional Car Insurance

The above insurance policies will not protect you fully or cover all costs as a result of accident. You need to consider the following optional car insurances:

  • Collision – Insurance cover that helps pay for damages made to your car after an accident
  • Comprehensive – Insurance cover that pays for damages resulting from all accident related events such as fire, floods etc
  • Rental car coverage
  • Towing and labor coverage.

Note: Collision and comprehensive coverages are not mandatory, but they are required if you are planning to finance your car through lease agreement or loan.

Car Insurance Violations

You should always comply with North Dakota car insurance laws. If you are caught violating them, you will face either of the following penalties:

  • A minimum fine of $150
  • A class B misdemeanor charge
  • 14 points against your driver’s license
  • Driver’s license suspension.


If your driver’s license is reinstated after suspension, you will be required to file SR-22 insurance. This type of requirement provides proof of insurance and certifies that you will maintain your car insurance for 1 year.

North Dakota Automobile Insurance Plan

Drivers who have poor driving record may find it hard to obtain car insurance through open market insurance companies. If you are one of these drivers, you can apply for car insurance through the North Dakota Automobile Insurance Plan. Through this plan, you will obtain car insurance but be prepared to pay higher rates. All car insurance companies in North Dakota must participate in the plan. You can therefore apply to North Dakota Automobile Insurance Plan through your local car insurance agent.

Other Car Insurance Issues

The North Dakota Insurance Department (NDID) is the body that is responsible for solving issues related to car insurance complaints and frauds.

Consumer Complaints

You must first attempt to solve your car insurance dispute with your insurance carrier before reporting it to the NDID. If you fail to resolve the dispute with your car insurer, you can then file your complaint at North Dakota Insurance Department. You will be required to fill a Complaint Questionnaire (Form SFN 18956) and send it to the NDID using the address below: North Dakota Insurance Department 600 East Blvd Ave Bismarck, ND 58505 Complaints can also be filed online through NDID website or through email [email protected]

Car Insurance Fraud

Many car insurance companies in North Dakota lose a significant amount of money through fraud. The burden caused by these frauds trickle down to consumers. This leads to increased car insurance premiums. Some of the car insurance frauds include:

  • Staging car accidents
  • Lying about property damage
  • Lying about injuries
  • Overcharging medical costs by medical care professionals.

You should report any suspected car insurance fraud to the NDID at (701) 328-2440 or by filling the online form at the National Association of Insurance Commissioners.

North Dakota Car Insurance Rates

These are some of the factors that many companies use to determine your North Dakota car insurance premium:

  • Your driving record
  • The make and model of your car
  • Your car insurance claim history
  • Your gender
  • Your age
  • Your marital status
  • Your credit history.

Car Insurance Discounts

You can save on your North Dakota car insurance by taking advantage of many discounts offered by most car insurance companies in this state. These discounts include:

  • Accident-free discount
  • Multi-car discount
  • Anti-theft device discount
  • Good student discount
  • Safety-device discount.

Discounts can be a good way of getting cheap insurance rates, the best way is through keeping a clean driving history.

Most Stolen Cars in North Dakota

If your car is always a candidate for theft, you are more likely to pay higher car insurance rates. This is the 2013 list of the most stolen cars in North Dakota according to

  1. Chevrolet Pickup (Full Size)
  2. Dodge Pickup (Full Size)
  3. Pontiac Grand Prix
  4. Ford Explorer and Ford Pickup (Full Size)
  5. GMC Pickup (Full Size)
  6. Honda Civic
  7. Chevrolet Malibu
  8. Chevrolet Impala
  9. Jeep Cherokee/Grand Cherokee.