North Dakota Minimum Car Insurance Requirements
The state of North Dakota requires drivers to carry a few different types of car insurance. According to North Dakota law, all drivers must carry liability insurance, uninsured/underinsured motorist coverage, and personal injury protection (PIP). Listed below are the mandatory minimum amount each driver must carry.
Liability Insurance
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Uninsured/Underinsured Motorist Coverage
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
Personal Injury Protection (PIP)
- $30,000 per person
North Dakota also requires all drives to carry proof of insurance. You should be ready to present it when asked to by law enforcement. If you have an auto loan or lease your vehicle, your lender or leasing company may require you to carry additional car insurance.
North Dakota Uninsured/Underinsured Motorist Coverage
The state of North Dakota requires all drivers to carry uninsured/underinsured motorist bodily injury coverage. This type of insurance can help pay for injuries you sustain in an accident with a driver lacking proper car insurance. Despite insurance being mandatory for all drivers, millions choose to risk it. Getting into a collision with such a driver can be stressful, but uninsured/underinsured motorist coverage is there to offer some assistance.
North Dakota Personal Injury Protection (PIP)
North Dakota drivers must also carry at least a certain minimum amount of personal injury protection (PIP). PIP coverage covers medical expenses you and your passenger(s) accumulate following a collision. It will payout no matter who was deemed responsible for the accident. PIP coverage also goes towards lost wages, rehab costs, and hospital stays.
North Dakota Liability Car Insurance
The final type of insurance North Dakota mandates for all drivers to carry is liability insurance. Liability insurance will pay for injuries and property damage you cause in an accident you have found to be responsible for. It is important to note that this type of insurance will never cover your injuries or any damage to your property. This is reserved for when you are at fault for an accident.
Car Insurance Limits in North Dakota
Coverage limits refer to the maximum amount of money your insurer will payout in the event of a claim. At the same time, states can mandate minimum limits of coverage every driver must carry. In the state of North Dakota, this can be most notably found with liability insurance. Their liability insurance minimum limits are expressed as 25/50/25. Each of the numbers represents a different aspect of liability coverage. Those categories and what they can cover are found below.
- Bodily injury per person is how much your insurer will payout for a single person’s injuries in an accident you caused.
- Bodily injury per accident is the maximum amount of money your insurance company will pay for all injuries you cause in an accident.
- Property damage per accident is the amount your insurer will pay for damage you cause in an accident.
Uninsured/underinsured motorist coverage limits are also listed in a split limit fashion in North Dakota. What they cover is the same as liability bodily injury insurance, with the main difference being uninsured/underinsured motorist insurance covers your injuries when the at-fault party cannot.
Is North Dakota’s Mandatory Car Insurance Minimums Enough Coverage?
While the state of North Dakota requires drivers to carry a few different kinds of car insurance, the coverage limits are not sufficient enough to offer you proper protection. It is highly recommended that you increase insurance limits and look into policy add-ons when going to purchase car insurance. If an accident is severe, you could be left on the hook for whatever your insurer will not cover. This can put your finances in an unfortunate position. Protect you and your assets before it gets to that point.
Driving Without Proof of Car Insurance in North Dakota
Driving without insurance in the state of North Dakota is a notable offense. Conviction of such a crime and come with a variety of penalties. The chart below outlines what you could be facing should you choose to drive without car insurance in North Dakota.