North Dakota Car Insurance Requirements

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Minimum car insurance in North Dakota

North Dakota requires more auto insurance types than many other states: Liability, uninsured and underinsurance motorist coverage, and personal injury protection. Let's take a look at each and the minimum coverage amounts.

Minimum liability insurance:

Liability car insurance pays others if you cause injuries and damage in a crash. But it doesn't cover your own medical bills or car damage. North Dakota requires:

$25,000 bodily injury per person.
$50,000 bodily injury per accident.
$25,000 property damage per accident.

This is usually written as 25/50/25.

Minimum uninsured motorist (UM) and underinsured motorist (UIM) coverage:

These pay your medical bills if you're hit by a driver who has no liability insurance, or not enough to cover all your injury bills.

North Dakota drivers must buy UM coverage of at least $25,000 per person/$50,000 per accident (25/50). You must buy UIM limits that match your bodily injury liability coverage.

Required personal injury protection (PIP):

North Dakota has a no-fault auto insurance system. That means you make small injury claims on your own policy, no matter who was at fault. Personal injury protection (PIP) pays these claims. For large injury claims you'd make a claim against the at-fault driver's liability insurance.

In North Dakota, you must buy at least $50,000 in PIP coverage.

Other insurance types

Collision coverage
Let's say you back into a sign post or sideswipe a guardrail. Liability insurance won't pay for damage to you own car. For that, you need collision coverage.

Comprehensive coverage
This pays for theft of your vehicle or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

If you have a car loan or lease, the loan or leasing company probably requires you to buy both collision and comprehensive insurance.

Rental reimbursement
Pays for a rental if your vehicle is being repaired due to a crash.

You must show an insurance ID card (or other proof of financial responsibility) in North Dakota when:

Law enforcement requests it.

Penalties for not having car insurance in North Dakota

First offense: $100 to $1,000 fine and up to a 30-day imprisonment.
Second offense within 18 months: $300 to $1,000 fine and up to a 30-day imprisonment.

Source: Property Casualty Insurers Association of America

Complaints about auto insurance companies

The department of insurance in each state handles complaints about insurance companies. A "complaint ratio" number uses state data to show the number of complaints against nationally a company relative to its size. Here are ratios for the largest car insurance companies in North Dakota.