Car insurance in North Dakota costs an average of $31 per month for a minimum coverage policy and an average of $142 monthly for full coverage.
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 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 motorist insurance of at least $25,000 per person and $50,000 per accident of bodily injury. Uninsured motorist coverage pays for your expenses after an accident caused by a driver who doesn't have any car insurance.
Personal injury protection of at least $30,000. Personal injury protection pays for medical expenses, lost wages, and household expenses after a you or your passengers are injured in a car accident.
Premiums are representative of a 45-year-old good driver with a minimum coverage policy.
North Dakota is similar to the majority of states in that it requires all drivers to have at least a certain amount of car insurance. Virginia and New Hampshire, on the other hand, are the only states that do not require drivers to carry traditional auto insurance.
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