North Dakota Auto Insurance Guide

Among the states with requirements for car insurance, North Dakota ranks among those with the toughest laws and regulations. Minimum levels of liability insurance required are not particularly high, but the types of insurance required may make the requirements more expensive and difficult to keep up with for some drivers.

North Dakota Car Insurance Regulations

Failing to maintain car insurance in North Dakota brings with it severe penalties if you are caught by the authorities. Operating a motor vehicle without the minimum insurance required is a Class B misdemeanor and will carry with it a minimum fine of $150 for the first offense. The second time your car will be impounded until you provide proof of insurance. Finally, if you are involved in an accident and do not have insurance you will have your driver's license suspended.

Mandatory Minimum Coverage in North Dakota

Due to the high number of insurance types required by North Dakota, you should be sure to get quotes from many different insurance carriers before deciding in order to make sure you are getting the best price and are not being taken advantage of. The car insurance requirements in North Dakota are:

• $25,000 - liability insurance for death or injury to one person.
• $50,000 - liability insurance for death or injury to multiple persons.
• $25,000 - liability insurance for damage to property caused in an accident.
• $25,000/person $50,000/accident - protection from uninsured motorists.
• $25,000/person $50,000/accident - protection from motorists who do not have enough insurance coverage.
• $30,000 - no fault insurance coverage.

While not particularly high when it comes to coverage levels, the addition of insurance for underinsured/uninsured and no fault insurance can make a significant dent to a driver's wallet in staying compliant with car insurance In North Dakota.

Motorcycle Coverage Requirements

Fortunately for those who ride on two wheels, the car insurance requirements in North Dakota are significantly more lax in their requirements. Motorcycle riders only need to carry the standard 25/50/25 liability insurance policy for coverage in the event of an accident in which they are found to be at fault. There are no discounts offered for those who choose to follow the state's optional helmet law for those above eighteen years of age.

North Dakota State Car Insurance Advice

It cannot be overstated that shopping multiple insurance companies is the best way to get the lowest rates in meeting these requirements in North Dakota. Not only do you want to keep your eye open for multiple insurance vendors when first purchasing insurance but you might want to make it a point to make comparison shopping a yearly event at a minimum.