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north dakota car insurance

When you live in a rugged state like North Dakota, it's the essentials that matter most — like your ND auto insurance (and if there's time: food, shelter, and your DVR backlog). We'll give you an easy-to-understand roundup of North Dakota's insurance laws and your policy options, plus help you secure a fast, free North Dakota car insurance quote.

With convenient online tools that help clarify the insurance process (plus a bunch of money-saving discounts), Esurance is here to help you secure affordable car insurance. (What can we say? It makes us sleep better knowing everyone's saving.)

north dakota auto insurance discounts from esurance

Drivers in North Dakota will be happy as a Western Meadowlark to find out all the ways they can save money with Esurance. Take a peek at some of our unique car insurance discounts in The 701:

  • Defensive Driver discount
  • Good Student discount
  • Fast 5® discount
  • Claim-Free discount
  • Multi-Car discount
  • Switch & Save® discount
  • Paid-in-Full discount
  • DriveSense™ discount
  • Homeowners discount

Discounts may vary. If you already have an Esurance policy and have questions about North Dakota car insurance discounts, give us a ring at 1-800-ESURANCE (1-800-378-7262).

north dakota car insurance coverages

Required coverages

All North Dakota auto insurance policies need to have three coverage types: liability insurance, uninsured and underinsured motorist coverage, and personal injury protection (PIP).

Liability coverage

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, state law requires you to maintain $30,000 of PIP coverage per person, which pays for medical expenses after an accident — including lost wages if you're unable to return to work, regardless of who caused the incident.

PIP does not apply to property damage, like car repairs.

Optional coverages

These additional coverage options provide you with extra financial protection in the event of a claim, and can be real life-savers if life ever takes a turn for the worse. Get to know some of your options:

  • Towing and labor
  • Collision coverage
  • Comprehensive coverage
  • CarMatch Rental Coverage®
  • Auto loan/lease gap coverage
  • Custom parts and equipment coverage

Comprehensive and collision coverages may be required by your lease or finance company.

If you already have an Esurance policy and have questions about your coverages or would like to make changes to your policy, give us a call at 1-800-ESURANCE (1-800-378-7262). Some exclusions will apply.

comparative negligence in north dakota

North Dakota uses comparative negligence to determine fault after a car accident. This means that all drivers involved can be assigned a share, or percentage, of fault, which affects claim settlements.

Here's an example: let's say you're assigned 40 percent of the blame for an accident and another driver shares 60 percent. Because you were the driver "least at fault," you can file a property damage claim with the other driver's insurance company. But because the other driver was found "most at fault," he or she is unable to file liability claims against you.

factors impacting car insurance rates

The following factors generally influence what you pay for your Esurance car insurance in North Dakota:

  • Driving record and claims history
  • ZIP Code where your car is parked
  • Credit-based insurance score
  • Year, make, and model of your car
  • Main driving activity (commute, pleasure, etc.)
  • Age, gender, and marital status
  • Insurance history, including any gaps
  • Coverages, limits, and deductibles you choose
  • Any discounts you may qualify for

The optional coverages and the limits and deductibles you choose will also impact your premium.

insurance facts and stats

Uninsured drivers

The Insurance Research Council estimated in a 2011 report that 9 percent of the state's drivers lacked car insurance in 2009.

That's well below the national average of 13.8 percent (which is awesome!). But it still means roughly 1 in 10 cars lacks the liability coverage needed to help pay for your repairs if that driver causes a crash.

Luckily, uninsured motorist coverage — which, again, is required in North Dakota — can help shield you from irresponsible motorists in your state and protect your hard-earned savings.

Driving without car insurance in North Dakota

In case you haven't gotten the gist … it's a definite no-no. This violation is a class B misdemeanor with a fine of at least $150. Even worse, any uninsured drivers in a car accident will have their drivers licenses automatically suspended.

All the more reason to keep your coverage up to date and stay legally covered.

Roughrider State drivers can whip out their phones (slowly, now) next time they get pulled over, since state law allows motorists to display digital proof of car insurance instead of those pesky papers. And if you're a North Dakotan with an Esurance policy, you can access your ID cards and other policy documents any time of the day with our free, easy-to-use mobile app.

Alternative options for North Dakota car insurance

If you're considered a high-risk driver (due to a history of DUIs or at-fault accidents) and you can't find coverage through the regular market, you may be eligible for the North Dakota Automobile Insurance Plan.

It's more expensive than regular policies, but it'll give you the coverage you're required to have by law (yay!). You can call 1-888-706-6100 for more info.

Related links

Esurance Coverage Counselor®
Personalized guidance to the perfect car insurance policy is only a click away.

North Dakota Insurance Department
The North Dakota Insurance Department is dedicated to answering your car insurance questions.

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or call 1-800-378-7262