North Dakota Car Insurance – Auto Insurance Quotes in ND
North Dakota gets a lot of snow, which is just one of the reasons its drivers are required to maintain a decent amount of car insurance in order to legally drive in the state. Some residents, however, may not be aware that North Dakota, like every other state in the country, has its own special requirements for car insurance. It can be difficult to understand those laws, and difficult to shop around for the cheapest rates.
However, at My Car Insurance Rates, we are well equipped to help drivers figure out the auto insurance laws and requirements in their state, and to help them find the most affordable and comprehensive car insurance coverage possible.
North Dakota Car Insurance Requirements
North Dakota is one of a small number of states that operates under a no-fault insurance system. The no-fault system makes the distinction that no matter who is at fault in an auto accident, the car insurance companies involved will cover their injuries up to the driver’s policy liability limits. Unfortunately, many drivers only get the minimum mandatory car insurance, and quite often, damages and medical expenses exceed those amounts.
The same is true for the state-wide minimums on uninsured/underinsured motorists and on personal injury protection. As a result, drivers in North Dakota would benefit from comparison shopping to get the best car insurance rates, maximize their coverage and increase their liability limits.
Understanding North Dakota Car Insurance Liabilities & Coverage
The state of North Dakota requires a lot of car insurance, known as 25/50/25 coverage and 25/50 UM coverage. What this means in an accident, is that a driver’s coverage must cover $25,000 for an injured person and $50,000 for the accident, including medical expenses, as well as $25,000 for any private or public property damages and repairs. In addition, a driver in the state must also have auto insurance that will cover $25,000 for an uninsured or underinsured motorist and $50,000 for any damages.
North Dakota’s personal injury protection (PIP) minimum coverage is set at $30,000. With this many requirements, drivers are generally eager to find the lowest car insurance quotes for the best coverage from an auto insurance company.
North Dakota Insurance Coverage:
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $25,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Personal Injury Protection (PIP): $30,000 Limit
Drivers can use MyCarInsuranceRates.com to compare free auto insurance quotes from dozens of the best, reputable car insurance companies. It is then possible to choose which plan options work best for them, in addition to picking the provider who offers the most affordable rates.
North Dakota Car Insurance Laws & Regulations
Proof of financial responsibility via proof of car insurance is mandatory in the state of North Dakota. Drivers who do not have the state-mandated minimum amount of auto insurance can be fined as much as $150 and may receive as many as 12 points on their driving record. This could in itself lead to a suspension of the driver’s license. Repeat offenders risk much higher fines and will have to file proof of car insurance for up to three years. Drivers who do not have proof of insurance also risk having their vehicle registrations revoked.
Average North Dakota Car Insurance Rates
In 2010, the average monthly rate of car insurance for drivers in North Dakota was $54.03, which is much lower than the national monthly average of $128.17. Yearly, North Dakotan drivers paid $1,256, while nationally drivers paid $1,538. However, 2010 brought lower car insurance rates all over the country, so 2011 is an opportune time to start looking for competitive prices, which we can help any driver do.
By entering your zip code, it is possible to find the nation’s top coverage and auto insurance companies, while simultaneously finding the most affordable car insurance rates online, for free.
North Dakota Car Insurance Quotes
Car insurance rates in North Dakota have not changed a significant amount over the past several years, although rates got cheaper by 9 percent between 2009 and 2010. However, it is always possible to save money on your car insurance costs.
Why not try to get a free car insurance quote online today from the best car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP? Drivers will be surprised how getting and comparing multiple free car insurance quotes online can help save them money and time.
