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North Dakota Auto Insurance Facts

We’ll make you feel more prepared driving in North Dakota.

The state minimum auto insurance coverage in North Dakota:

Liability Coverage

Minimum

Description

Bodily Injury Per Person $25,000 Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $25,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

 

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Uninsured/Underinsured Motorist

Minimum

Description

Bodily Injury Per Person $25,000 The maximum your insurance would pay for your injuries or your passengers injuries in the event of an accident involving an uninsured or underinsured driver.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out per accident involving an underinsured or uninsured driver.

 

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Personal Injury Protection (PIP)

Minimum

Per Person $30,000

 

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

 

Other types of auto insurance you can add to your policy are:

 

COLLISION COVERAGE

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

 

COMPREHENSIVE COVERAGE

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

 

MEDICAL PAYMENTS

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

 

MAX SPEED LIMIT
75 MPH
MILES OF HIGHWAY
176,509
DUI LEGAL LIMIT
0.08
WEIRD DRIVING LAWS IN STATE

WEIRD DRIVING LAWS IN STATE

TEXTING LAWS

TEXTING LAWS

Under 18 banned from all cell phone use

Illegal to text and drive

MOST STOLEN VEHICLES

MOST STOLEN VEHICLES

  1. 1996 Chevrolet Extended Cab 4×4 Pickup
  2. 2001 Pontiac Grand Prix
  3. 1989 Oldsmobile Cutlass
  4. 2005 Ford Taurus
  5. 1997 Honda Accord
  6. 2001 Ford Explorer
  7. 1991 Dodge Caravan
  8. 2001 Pontiac Grand Am
  9. 1995 Jeep Cherokee/Grand Cherokee
  10. 1997 Dodge Intrepid

RAINFALL
17.8
SNOWFALL
37
DAYS OF SNOWFALL
45.2
POPULAR CITIES

POPULAR CITIES

Bismarck
Fargo

SCENIC DRIVES

SCENIC DRIVES

Sakakawea Scenic Byway

Killdeer Mountain Four Bears Scenic Byway

STATE PARKS

STATE PARKS

Fort Abraham Lincoln State Park

Turtle River State Park

Grahams Island State Park