To help to keep insurance costs as low as practical and lower the frequency of court actions which are currently being filed annually by North Dakota drivers, ND has changed into one of the country’s few no-fault states. No-fault is known as Personal Injury Protection (PIP) insurance is required and the basic coverage is for economic loss for medical expenses or loss of wages as a result of an accidental injury in the automobile without regard to who is “at-fault”.
Bodily Injury Liability
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This sort of coverage will pay for the doctor’s bill of the other vehicle’s occupants when the insured individual is revealed to be at-fault. Under the minimum coverage, the insurer will pay up to $25,000 for a single person and $50,000 for all occupants of the automobile.
Property Damage Liability
In the event the insured individual is at-fault for the accident, property damage liability will pay up to $25,000 for damages to public property, personal property and the other vehicle involved when minimum coverage is held.
Since the state has a fair amount of uninsured motorist uninsured/underinsured motorist protection is required in the amount of $25,000 per person and $50,000 per accident. UM, or uninsured motorist protection provides cover for a bodily injury claim you have against another driver who does not have or has inadequate insurance.
In the state of North Dakota it is highly recommended to carry additional insurance since the state has harsh winter seasons and the possibility of hitting animals. Comprehensive cover provides damage to your vehicle caused by items other than collision such as theft, hail, or fire. It is know as “non-collision” cover. Collision cover provides physical damage to your vehicle that is caused by colliding with another vehicle or object. If you have this cover it will pay no matter who is at-fault.
Other optional coverages in ND are
Towing – Provides cover to reimburse for towing expenses in an emergency
Death/Dismemberment – Provides accidental death and dismemberment cover
Gap cover – Provides payment to the lending institution for the difference between the amount of your car loan and the actual “cash value” payment when your vehicle is lost or stolen.
The average amount of insurance per driver in ND is:
Bodily Injury Liability – 100,000/300,000
Property Damage Liability – 100,000
Uninsured Motorist Cover – 100,000/300,000
Underinsured Motorist Cover – 100,000/300,000
Personal Injury Protection – $30,000
Comprehensive Cover – $250 deductible
Collision Cover – $500 deductible
The median cost of auto insurance in North Dakota for a one year term is just under $1000. Compared with the nation’s average of $1580, the premiums in the state are reasonably low. But car insurance rates can be tailored to fit your needs and you never can tell how much you’re going to pay unless you start asking for quotes. Insurance corporations will use a few different factors to ascertain how much risk you pose and how much you need to pay for coverage. After you use our advance comparison tool at the top of the page you want to be sure you discuss with our broker or agent all available discounts and options to get reduced cost auto insurance quotes for your vehicle.
Car Insurance Agents in North Dakota
Grand Forks AFB
Now that you know about auto insurance quotes in ND be sure to use the advanced comparison tool at the top of the page to get low quotes to possibly save you hundreds if not thousands of dollars over the next few years.