Auto Insurance In North Dakota
There are so many factors that can affect how much your car insurance is: your driving record, your commute to work, your age and perhaps more importantly, where you live.
The average premium in for auto insurance in North Dakota is lower than the national average.
Laws Concerning Auto Insurance in North Dakota
Motorists are required to obtain liability, uninsured motorist and a minimum $30,000 no-fault coverage — more requirements than you’ll find in many other states. Some states require only liability coverage, a few allow you to avoid auto insurance if you pay an annual fee to the state, and New Hampshire does not require auto insurance at all.
The minimum coverage for auto insurance in North Dakota is 25/50/25, which means you must have a minimum coverage of $25,000 for bodily injury per person, $50,000 total
bodily injury and $25,000 in property damage if a wreck occurs. North Dakota is one of 12 states that’s considered “no-fault” — in other words, the covered driver’s insurance pays for him or her regardless of who was at fault. You must also show proof of insurance, and be sure to carry an insurance card or certificate that shows you are covered under the North Dakota Automobile Insurance Plan. You’ll want to have these in case a trooper or other law enforcement officer demands asks for it. If you don’t have coverage and are caught, a first offense comes with a $150 fine and a Class B misdemeanor charge, and a second offense means you lose your driver’s license plates until you can show you’re insured.
Keeping Auto Insurance in North Dakota Rates Low
Even though there are several requirements for auto insurance in North Dakota, the good news is that you’re in a relatively inexpensive state. A CNN Money report shows North Dakota is one of the top 12 tax friendly states, and even the premiums tend to be low in this state with 640,000, the third smallest in the nation.
One thing never changes across state lines: a poor driving record tends to increase insurance rates, and the same goes for auto insurance in North Dakota. In North Dakota, you can lose your drivers license if you are caught driving under the influence of alcohol with a .08 blood alcohol level, and receive a $250 fine for the first offense. A second offense comes with a fine of up to $500 and a one-year license suspension. The state freeways have a speed limit ranging from 55-75 miles per hour. As far as standard traffic violations, the more offenses you incur the more points you accumulate and therefore the more your auto insurance rates will go up in North Dakota. In some cases, there are opportunities for attending defensive driving courses, which could potentially save you points and money. A total of 14 points means your driver’s license will be suspended — definitely not be helpful for auto insurance in North Dakota. You’ll also want to try to maintain a good credit score and try to get a job close to work that entails as little driving as possible. If possible, obtain your homeowners and car insurance with the same company for at least a small discount.
Although personal injury protection and no-fault coverage are required, collision and comprehensive insurance are not. Generally, motorists choose to go with them, most often choosing a $500 deductible for collision and a $250 deductible for comprehensive.
If you know you are a careful driver, you could choose to go with as little auto insurance in North Dakota as is legally required. This is usually a better idea if you have an old car that isn’t worth much. But either way, consider the risk carefully — if you are in an accident, you could very well wish you had the extra coverage. Enter your zip code at the top of the page to receive your free insurance quote.