North Dakota Auto Insurance - (ND)

According to section 39-08-20 of the North Dakota Century code, minimal levels of insurance is required for all persons operating a vehicle in the state. If you fail to keep these levels of insurance on a vehicle that you have registered, you are in violation of the law and will probably suffer serious financial penalties, fines and fees as a result. Unlike most other states, North Dakota requires more than just minimal levels of liability insurance coverage in order to maintain compliance with the law. Uninsured/Underinsured and personal injury protection insurance is also required as well.

Minimal Coverage Requirements:

• $30,000 worth of personal injury protection (PIP), or no-fault insurance
• $25,000 per person, $50,000 per accident for uninsured motorist coverage
• $25,000 per person, $50,000 per accident for underinsured motorist coverage
• $25,000 worth of bodily injury or death coverage for one person per accident
• $50,000 worth of bodily injury or death for up to two people per accident
• $25,000 for destruction of property of others per accident

When you sign up for insurance with a licensed insurance company in the state of North Dakota, you will be mailed an insurance card, which you must keep in your vehicle at all times to serve as proof of coverage. This proof of coverage must be surrendered any time a police officer or state trooper requests it.

Penalties for Failure to Insure

If you do not have the proper insurance coverage and you are caught, you will be fined up to $150, and have up to 12 points placed on your driving record. Too many points on your driving record will result in its suspension. It will likely also result in higher insurance rates. For a second or subsequent offense of driving without insurance within an 18 month period, you will be fined up to $300 and have another 6 to 12 points placed on your driving record. In addition, you will be required to file an SR-22 proof of insurance with the state for up to three years and failing to do so will mean an immediate suspension of your license.

Department Of North Dakota (ND) State Government That Regulates Auto Insurance:

Web Site: www.nd.gov/ndins
Email: insurance@nd.gov
How To Contact Directly:
North Dakota Dept. of Insurance State Capitol
600 East Boulevard Ave., 5th Floor
Bismarck, ND 58505-0320
Phone: 1-701-328-2440
Toll Free: 1-800-247-0560

North Dakota (ND) Mandatory Auto Insurance Minimums

• Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist -- No-Fault State
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident
• Penalties For Not Carrying Mandatory auto insurance: Fine up to $150 plus license suspension and registration revocation

How To File A Complaint About An Insurer:

File A Complaint Online