What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

North Dakota Car Insurance

It is true that in most of the cities car insurance cost normally depends on the driving history. However, in some of the cities like North Dakota the car insurance company also plays a crucial role to detect the car insurance premium you need to spend for getting the recommended car insurance North Dakota coverage in the city.

North Dakota Car Insurance Rates by ZIP Code & City
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Average Rates

The average premium rate annually in this city is $1251 for getting the car insurance coverage. However, one of the biggest concerns is that the difference between the most competitive car insurance rate and the highest rate varies up to 79%. So, while taking a car insurance coverage, you must compare the premium amount of the different car insurance companies to get the cheapest rate possible.

The requirement of car insurance in North Dakota

If you consider the financial responsibility of this state a driver should take liability coverage for bodily injury, liability coverage of property damage, motorist coverage for both insured and uninsured, and protection for the personal injury. There is some optional car insurance coverage is also there for the physical damage. You will get to kinds of protection in this case. One is for the comprehensive and the other is for the collision.

Liability TypeNorth Dakota Minimum LimitsAssumptions Limits
Bodily Injury (BI) $25,000 per person / $50,000 per accident $50,000 per person / $100,000 per accident
Property Damage (PD) $25,000 per accident $25,000 per accident
Uninsured Motorist (UM/UIM) Not required $50,000 per person / $100,000 per accident
Collision / Comprehensive Deductible Not required $500
  • For the bodily injury the recommended insurance coverage will be $25000 for each person, and in case of each accident, the recommended insurance coverage will be $50000.
  • For the property damage, the minimum insurance coverage must be $25000 for each accident.
  • For the bodily injury of the motorist in case of both insured and uninsured the coverage, the amount will be $25000 for each person and $50000 for each accident.
  • For the personal injury, the insurance coverage will be at least $30000 in case of each person.

Laws in North Dakota for insurance

In the city of North Dakota alternate proof for the financial responsibility will be required. If you do any offense regarding the motor vehicle law of the city, you need to produce the same. You should have the insurance certificate or at least a certificate of depositing the money for the car insurance premium. In case of the police inquiry, you may need to produce the same. So, if you require the alternative proof, you need to have the auto insurance North Dakota for sure.

North Dakota Car Insurance companies are plenty. As the premium amount can vary from one company to other in case of the same coverage amount you should compare the premium amount of the different insurance companies thoroughly online to find out the most competitive quote available in the market.

Speed Limits in North Dakota


Rural Interstates


Cars (MPH) Trucks (MPH)
75 75
Less than 75 MPH on some rural interstates

Urban Interstates


Cars (MPH) Trucks (MPH)
65 65

Other Limited Access Roads


Cars (MPH) Trucks (MPH)
4-lane: 70, Other: 65 4-lane: 70, Other: 65

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