North Dakota Auto Insurance Requirements

Almost every state requires you to be insured before you can legally obtain plates or registration and drive on public highway systems, roads, and land. North Dakota is no exception to this majority. The requirements of the state government to carry auto insurance applies to all drivers operating a vehicle within state lines. These minimums are set in place to ensure a safer driving environment for all drivers occupying the roads.

Minimums in the state of North Dakota include $30,000 of personal injury protection to pay for medical expenses and loss of wages, $25,000 uninsured motorist coverage totaling $50,000, $25,000 bodily injury or death coverage for one person totaling $50,000 for total injuries in one accident, and $25,000 for property damage of the other part per accident. These minimums are not negotiable and must be carried by every driver in order to legally drive in North Dakota.

Failure to insure your vehicle could result in fines up to $150 and up to 12 points put on your driving record. This first offense violation could result in higher insurance premium rates on future policies. Second offenses come with steeper penalties and fees and could possible include lengthy paperwork with the penalty of suspension of license if the paperwork is not turned back into the state.

Any police officer in the state of North Dakota can request proof of your insurance coverage at any point in time. Therefore it is important that you carry your insurance card, which will be mailed to you by your insurance provider when a new policy is put into place, with you at all times. Failing to do so could result in serious consequences.

Because auto insurance is such a large expense, consumers have a tendency to not get insured. Keep in mind that if your are caught driving while uninsured you could face serious penalties and costly fees. In addition, if you are in an accident and are uninsured, you could become personally liable for any damages caused if you are deemed at fault for the accident occurring.