North Dakota Car Insurance
As in all parts of the United States, in North Dakota car insurance is an indispensable thing to have. This is one of the rare states with no-fault insurance. Therefore, no matter who is at fault in an accident, your own North Dakota car insurance will take care of your medical expenses and property damage if you carry that type of optional coverage. For this reason, ND car insurance requirements are different than those of many other states.
North Dakota Auto Insurance Requirements
North Dakota is one of the states that requires the most car insurance coverage. This is a good thing because there are too many states where insurance requirements do not exist or are incredibly low. Even at these comparatively high levels, the most common and most recommended levels of coverage are 3-4 times higher.
Even though North Dakota has no-fault insurance, there are situations where it does not apply or does not apply completely. This is usually in the case of serious or extensive accidents. The law allows the victim to go after the person at fault for damages. Therefore, North Dakota requires drivers to carry the following liability coverage for these types of situations.
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident in total
- $25,000 personal property liability coverage
Personal Injury Protection (PIP) is also required in North Dakota and is your basic no-fault protection. The required limit is $30,000 per person and will pay for your medical expenses, lost wages and other such personal expenses which are incurred as a result of having been involved in a car accident.
The other types of coverage required in North Dakota are Uninsured Motorist and Underinsured Motorist coverage. You must carry limits of at least $25,000 per person and $50,000 per accident for Uninsured Motorist coverage in order to pay for your own medical expenses if you were to be involved in an accident with someone who is uninsured. Your Underinsured Motorist coverage must be at the same limit as your Uninsured Motorist coverage. It covers any medical expenses you might incur as a result of a car accident that exceed the coverage limits of the other driver.
North Dakota Auto Insurance Company Options
There are many different North Dakota insurance companies that offer auto policies. Below is a list of 10 of the most popular.
- Nodak Mutual
- Liberty Mutual
- Allstate
- GEICO
- American Family
- Progressive Direct
- USAA
- State Farm
- AMCO
- Farmers
If you happen to be a high risk driver and cannot find insurance from any of these or other companies, there is still hope. North Dakota has an assigned risk insurance plan for high risk drivers who live in the state, have their automobile registered there and hold a valid ND driver’s license. To be eligible for the plan, you must have no outstanding debts less than 1 year old to any insurance companies for unpaid premiums. The assigned risk plan is a great option to have, but remember to check other companies thoroughly first as the assigned risk plan is costly.
Shopping Around For ND Car Insurance
You may be looking at all the different coverage required by North Dakota and thinking how can I afford all this? In reality, it really pays to shop around for car insurance. By shopping around and comparing the prices offered by different companies, you will be able to find the best deal on your car insurance coverage. You may also find that some companies offer additional coverage for little or no cost.
When you shop around for car insurance, you must remember to check out the companies you are considering. After you have narrowed down your choice of companies based on price, you should get each one’s insurance rating from one of the independent insurance ratings companies like A. M. Best or Moody’s. This will tell you how financially stable the company is. Check on their customer service performance too by doing a quick online search.
Finding North Dakota Auto Insurance Quotes
You can get started right now with your North Dakota car insurance quote by simply returning to the top of this page and inputting your zip code. You will be asked several questions and in no time you will have a variety of quotes from companies serving the North Dakota car insurance market. Get started now!