All North Dakota auto insurance policies need to have three coverage types: liability insurance, uninsured and underinsured motorist coverage, and personal injury protection (PIP).
North Dakota drivers are legally required to maintain liability coverage with the following limits:
- $25,000 of bodily injury coverage per person
- $50,000 of bodily injury coverage per incident
- $25,000 of property damage coverage per incident
These limits will often appear as 25/50/25. Want more coverage? No problem — you can opt for higher limits when you get your North Dakota car insurance quote.
Uninsured and underinsured motorist coverage
Car insurance in North Dakota also needs to include uninsured and underinsured motorist coverage, with the same minimum limits as bodily injury liability (25/50).
These coverages offer financial protection in case you're injured in an accident with an at-fault driver who doesn't have enough ND auto insurance to pay your expenses.
Personal injury protection (PIP)
Additionally, you're required to maintain $30,000 of PIP (also known as no-fault coverage) per person.
Your no-fault coverage pays for medical expenses after an accident, including loss of wages if you're unable to return to work, regardless of who caused it.
PIP does not apply to property damage, like car repairs.
Depending on the provider, the following coverages are generally available when you get a North Dakota car insurance quote:
- Comprehensive coverage
- Collision coverage
- Loan/lease gap coverage
- Towing and labor
- Death and dismemberment coverage
Comprehensive and collision coverages may be required by your lease or finance company.