If your vehicle is registered in the State of North Dakota, you must obtain insurance that covers you with state-mandated liability limits. Those minimums are as follows:
- $25,000 per person.
- $50,000 bodily injury for each accident.
- $25,000 for damage to another person's property.
- $25,000 uninsured driver liability.
- $30,000 basic no-fault coverage.
North Dakota law states that if you’re not covered for the liability minimums, it’s a Class B misdemeanor which will result in a $150 fine. If you become involved in an accident while underinsured, you may receive up to 14 penalty points.
You may opt for additional auto insurance coverage in North Dakota. These options include comprehensive and collision coverage, which go above and beyond the basic policy to protect your assets even more. Collision covers you if you strike another vehicle or an object, while comprehensive covers other events, such as fire or theft, or if you hit an animal (such as a deer) with your car.
Sample of Annual North Dakota Auto Insurance Rates
Fargo Auto Insurance
Founded in 1871, Fargo was named for William G. Fargo, a railroad executive and a co-founder of Wells Fargo Express Co. In 1893, a fire destroyed most of the city's buildings; residents rebuilt and the city grew again into the largest in the state. Fargo is now a major economic hub in the state for education, retail and manufacturing.
Interstate 94 connects Fargo with Bismarck to the west and Minneapolis to the southeast. Interstate 29 connects Fargo with Grand Forks to the north and Sioux Falls to the south. U.S. Route 75 runs south to Wahpeton.
Bismarck Auto Insurance
Bismarck is on the Missouri River in the central portion of North Dakota. It is the second largest city in the state as well as the state capital. At 241 feet, the state capitol building is the tallest building in the state.
Interstate 94 connects Bismarck to Fargo to the east and Dickinson to the west. U.S. Route 83 runs north to Minot. State Highway 6 runs south to Selfridge.
Grand Forks Auto Insurance
Grand Forks is the third largest city in North Dakota and is situated on the Red River. The area was originally an important meeting point for Native Americans and French fur traders. The city is home to Grand Forks Air Force Base, which is a major supplier of jobs to residents.
Interstate 29 runs south to Fargo. U.S. Highway 2 runs east to Bemidji. U.S. Highway 81 runs north to Grafton.
Minot Auto Insurance
Minot is home to Minot Air Force Base and Minot State University. The city was founded in 1886 and was named in honor of a railroad investor. Minot is the fourth largest city in the state.
U.S. Highway 2 runs east to Granville. U.S. Highway 83 goes to Glenburn to the north. U.S. Highway 52 goes to Burlington to the northwest and Sawyer to the southeast.
West Fargo Auto Insurance
West Fargo is a suburb of Fargo. It is the fifth largest city in the state and one of the fastest growing in the region. Between 2000 and 2010 the population grew by 112 percent.
Interstate 94 connects West Fargo with Fargo to the east and Bismarck to the west. U.S. Highway 10 connects the city with Dilworth to the east. County Road 17 leads to Harwood to the north.
Jamestown Auto Insurance
Known as the "Buffalo City," Jamestown was founded in 1872 and was named for the James River, which runs through the city. The city is home to the "World's Largest Buffalo," a 26-foot-tall statue. Jamestown is the birthplace of author Louis L'Amour.
Interstate 94 goes to Fargo to the east and Bismarck to the west. U.S. Highway 281 goes south to Aberdeen. U.S. Highway 52 goes north to Carrington.
Mandan Auto Insurance
Mandan is along the Missouri River and to the west of Bismarck. The city was named in honor of a local Native American tribe. A rail line bridge connecting the city to Bismarck was built in the 1880s, making Mandan a center of trade in the region.
Interstate 94 goes to Bismarck to the east and Judson to the west. State Highway 6 leads to Selfridge to the south. State Highway 25 takes driver to Center to the northwest.
Dickinson Auto Insurance
Dickinson is on the central western part of North Dakota. Dickinson is known as the "Queen City of the Prairies" and is home to Dickinson State University. The city is considered a starting point for those visiting Theodore Roosevelt National Park.
Interstate 94 goes east to Bismarck. State Highway 22 runs north to Killdeer and south to Schefield. Interstate 94 runs west to Belfield.
Finding Auto Insurance Resources in North Dakota
The State of North Dakota recognizes that some drivers have difficulty obtaining insurance. If you have previous driving penalties that prevent you from obtaining insurance, you can receive state assistance. This assistance comes from the North Dakota Automobile Insurance Plan.
The NDAIP provides auto insurance to you if you cannot get a policy due to your driving history. If you meet the following requirements, you are eligible for the plan:
- You are a North Dakota resident.
- Your vehicle is registered in North Dakota.
- You have a North Dakota driver's license.
- You don’t have outstanding auto insurance premiums.
If you have a problem with your auto insurance agent or insurance company, you can contact the North Dakota Insurance Department for advice.
Tips for Finding North Dakota Auto Insurance
To obtain legal auto insurance in North Dakota, you must use a company that is licensed to insure drivers in the state. Don’t rely on a company to truthfully tell you whether it has these permissions. You can also get multiple free car insurance quotes from insuranceQuotes.com, so you be sure that you’re getting best deal on your insurance.
If you are a student, you may qualify for a discount on your auto insurance for good grades, typically a B average or above. Not all North Dakota auto insurance companies offer this, but some do. Students and adults may also receive a discount for:
- Installing anti-theft devices.
- Having an accident-free driving history (typically for 3 to 5 years).
- Completing a defensive driving course.
- Insuring multiple vehicles on a single policy.
Moving to North Dakota: Important Information
If you’re moving to North Dakota, the North Dakota Department of Transportation has certain requirements for driving your vehicle there. Upon arriving in the state, you need to submit your existing title with your vehicle registration application. If there is an outstanding loan on your car, you must also send details of the loan and the bank.
If you are a driver from one of the following states or countries, you must pay an excise tax on your vehicle:
- New Hampshire.
Understanding Driving Laws in North Dakota
In North Dakota, you can’t get a driving license if you are under the age of 16.
During the winter, driving becomes hazardous in many parts of North Dakota, which means the state authorities take necessary precautions to prevent you from injuring yourself. If you attempt to enter an area that is closed off due to weather conditions, you can incur a fine of $250 and receive four penalty points on your driving record.
It is not legal to drive while texting in North Dakota. If you choose to do this, you can face a fine of $100. The same rule applies to reading a message while driving.
If you drive with a blood alcohol content level (BAC) of 0.08 percent or more, you may face DUI charges. If you’re under 21, the legal BAC limit is 0.02 percent. Refusal to take a BAC test can result in a losing your license for up to 3 years, depending on how many times you are caught driving drunk.
Frequently Asked Questions About North Dakota Auto Insurance
1. Who has to file an SR22 financial responsibility listing?
Certain drivers must prove to the state that they are capable of meeting financial liability. These drivers are:
- People with a DUI on their driving record.
- Drivers who have been suspended.
- Drivers who refuse a chemical test (used determine the level of alcohol and drugs in your system) while driving.
You need to prove you can cover state mandated financial liabilities if you fall into this category. This usually involves producing a valid auto insurance certificate.
2. Does the North Dakota Insurance Department set rates?
Although the North Dakota Insurance Department regulates rates, it does not set them. The state encourages competition among insurers, so as the consumer, your best option is to shop around.
3. Does North Dakota offer insurance premium reduction courses?
The North Dakota Highway Patrol offers a list of approved auto insurance premium reduction courses. This includes both classroom based and online courses.
How to Get Great Rates on North Dakota Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.