get a north dakota car insurance quote 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).

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, 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.

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.

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.

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

• Driving record
• Claims history
• ZIP Code
• Credit-based insurance score
• Make and model of your car
• Main driving activity (commute, pleasure, etc.)
• Age, gender, and marital status

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

Uninsured drivers

The Insurance Research Council recently estimated that 9 percent of drivers in the state lacked ND 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.

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.

Esurance policyholders (or drivers involved in an Esurance claim) can take advantage of our huge network of top-notch body shops for guaranteed repairs (and that's as long as they own their cars!). You can also keep track of repairs online with our innovative monitoring tool, RepairView®, which provides frequent photo updates of your car's progress.

Find the closest repair shop to you.

Related links

North Dakota driver information
Read our handy guide to navigating North Dakota's driving regulations.

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