North Dakota Car Insurance Requirements (2024)

Welcome to our informative guide on North Dakota car insurance requirements. In this article, we will delve into the essential information you need to know about the mandatory coverage for your vehicle in North Dakota. We will cover key topics such as liability limits, uninsured motorist coverage, and other important factors that you must consider to ensure compliance with state regulations.

Understanding these requirements is crucial for protecting yourself and others on the road. To make the process of finding the best insurance provider easier for you, this article is designed to provide you with the essential knowledge you need. simply enter your ZIP code below and compare rates from top insurers in your area. Take the first step towards securing the right coverage for your car today.

Required Coverage

All personal vehicles in North Dakota require the following liability coverage requirements:

• Bodily Injury
• Property Damage

The state also requires:

• Uninsured/Underinsured Motorist Bodily Injury
• Personal Injury Protection (PIP)

Additional insurance coverage can include:

• Comprehensive and Collision Coverage

Comprehensive and collision coverage are usually sold together. Comprehensive pays for non-collision related incidents such as fire damage or if your vehicle is stolen. A list of the most stolen vehicles in North Dakota can give you an immediate idea if this coverage would be useful. Collision pays for repairs or replacement of your vehicle after it’s sustained damage from an accident.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

• Get a standard liability car insurance policy
• Apply with the Automobile Insurance Plan
• Self insurance – must have 25 or more vehicles insured

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

• Insurance ID card
• Letter certifying that you’re covered under the North Dakota Automobile Insurance Plan
• Certificate of self insurance

You must maintain proof of insurance and financial responsibility:

• When asked by a police officer
• After an accident
• When registering your vehicle
• Anytime you drive your vehicle

Failure to Maintain Financial Responsibility Penalties

If you are not able to show proof of insurance, you can face the following penalties:

• Fine of $150
• Have your vehicle impounded until proof of insurance is shown (for subsequent offenses)
• If involved in an accident with no insurance, 14 points will be added to your driver’s license resulting in an automatic suspension

North Dakota Insurance Agents

Fargo Car Insurance | Bismarck Car Insurance | Grand Forks Car Insurance | Minot Car Insurance | West Fargo Car Insurance