Fast Facts about North Dakota Auto Insurance
Whether you're heading to the 1,000 seat Ellendale Opera House, or visiting the historical site of the Fort Union Trading Post, you'll probably need to drive to get to these places. Before you drive however, you should ask yourself: Do you have the right amount of North Dakota Auto Insurance? You may think you do, but did you know that one in every 20 drivers in North Dakota doesn't have insurance?
Maybe it's a good time to increase your coverage to include uninsured motorist coverage. Perhaps you'd like to lower your standard deductible? Maybe you don't even have insurance, and you would like to purchase a policy. To get started, just request a fast and free North Dakota auto insurance quote right here!
Things you should know about N.D. car insurance
Ice, snow, blizzards, and heavy rainfall could occur at any time in North Dakota. In addition, around 72,000 vehicles cross the border with Canada through Highway 83 at Westhope every year. Of course, many of those drivers will be dangerous or careless with their driving abilities.
Going without N.D. car insurance isn't a smart move, because there are stiff penalties for remaining uninsured. In North Dakota you will be fined at least $150 for your first offense, and you could even accumulate anywhere from 6-12 points on your driving record. For the second offense, you'll be fined $300, with an additional 6 or 12 points on your driving record. You may also face suspension of your license and a three-year proof-of-insurance requirement.
Minimum requirements for North Dakota auto insurance
Now let's look at the minimum amounts of coverage required in North Dakota. Like many other states, North Dakota has a minimum liability limit, represented by some basic figures. In North Dakota:
- You will need $25,000 in bodily injury liability for each person, up to…
- At least $50,000 bodily injury coverage per accident, as well as…
- $25,000 of property damage per accident
- You're also required to carry uninsured and underinsured motorist coverage.
As a result of these regulations, the state of North Dakota was able to bring the amount of uninsured motorists down to 5% of the total drivers in the state. Obviously, this has also had an effect on the cost of insurance. In fact, you'll find that North Dakota auto insurance rates were the lowest in the U.S. (as of 2006, according to the Insurance Information Institute) – all the more reason to purchase affordable auto insurance in the state of North Dakota!
To get started, all you have to do is request a free quote right here.