McKayla Girardin, Car Insurance Writer
@mckayla_girardin
You need car insurance in North Dakota if you own a car, or else you'll be violating state law. You need bodily injury liability, property damage liability, uninsured/underinsured motorist insurance, and personal injury protection in North Dakota, and the penalties for driving without insurance can include fines, license suspension, jail time, and an SR-22 requirement.
Even if you don't own a car, you will still need insurance in North Dakota if you have to satisfy an SR-22 requirement after being convicted of a serious traffic violation, like a DUI. You may also want to consider getting a non-owner policy if you don't own a car but borrow or rent cars frequently.
Types of Car Insurance Required in North Dakota
- Bodily injury liability insurance of at least $25,000 per person and $50,000 per accident.
Bodily injury liability insurance pays for the medical expenses of other drivers in accidents you cause. It can cover things like hospital fees, loss of income, pain and suffering, and funeral costs.
- Property damage liability insurance of at least $25,000.
Property damage liability insurance pays for other drivers' property damage in accidents you cause. It can cover things like vehicle repairs or damage to stationary objects like houses or fences.
- Uninsured and underinsured motorist insurance of at least $25,000 per person and $50,000 per accident of bodily injury.
Uninsured/underinsured motorist coverage pays for your expenses after an accident caused by a driver who doesn't have any car insurance or does not have enough insurance to cover all of the damage they caused.
- Personal injury protection of at least $30,000.
Personal injury protection pays for medical expenses, lost wages, and household expenses after you or your passengers are injured in a car accident.
In addition, it's a good idea to consider optional types of coverage, like collision and comprehensive insurance, to ensure you're fully protected in the event of an accident. Car insurance in North Dakota costs an average of $66 per month for a minimum coverage policy and an average of $282 per month for full coverage.
Average Cost of Car Insurance in North Dakota
Company | Minimum Coverage | Full Coverage |
$35 per month | $271 per month | |
$35 per month | $198 per month | |
$36 per month | $185 per month | |
$40 per month | $168 per month | |
$47 per month | $168 per month |
Premiums are representative of a 45-year-old good driver. Actual rates will vary.
To learn more, check out WalletHub's guides on how much insurance you need and the penalties for driving without insurance in North Dakota.
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