North Dakota Auto Insurance Quotes

Like other states, North Dakota requires its drivers carry some proof of valid insurance for all registered vehicles. Whether you’ve been stationed at one of the state’s many Air Force bases, or are going to school in Grand Forks or Fargo, online North Dakota auto insurance quotes can help you stay on the right side of the law, and keep you from having to continually dip into your savings.

ND Minimum Liability

North Dakota law requires minimum liability insurance coverage, uninsured motorist, and additional no-fault coverage. Uninsured and under-insured motorist coverages are to be maintained at $25,000 per person, and $50,000 per accident, and $30,000 worth of fault coverage is mandated to pay for expenses, fault in the accident notwithstanding. Liability minimums are kept at $25,000 for a single person’s bodily injuries, up to $50,000 for all bodily injuries in each accident, and $25,000 in property damage.

No Fault Responsibility

On of the twelve no-fault states, North Dakota requires insurance carriers to cover accident expenses. Unlike in the majority of tort states, the at fault driver cannot be sued in civil court to recoup pain and suffering, emotional distress, or inconvenience.

Penalties

North Dakota is a harsh state for those who choose to drive without proper legally-mandated insurance coverage. First offenders receive Class B misdemeanor entries on their criminal records, and receive fines which are $150 at a minimum. Second offenders lose their license plates until they prove proper legal insurance coverage, and uncovered drivers involved in accidents gain 14 points on their driving records, resulting in immediate suspension of driving rights.