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Collision and comprehensive coverage are not required by North Dakota state auto insurance law. Failure to maintain auto insurance on a motor vehicle is a Class B misdemeanor,
and having an accident while operating an uninsured vehicle will result in an
assessment of 14 points against a driver's license, leading to immediate suspension.
The State of North Dakota mandates that insured motorists carry "25/50/25" minimum liability insurance, i.e., $25,000 coverage for injury liability for one person involved in an accident, $50,000 injury liability for two or more persons involved in an accident, and $25,000 to cover property damage caused by a motor vehicle accident. North Dakota also requires drivers to carry Uninsured Motorist Insurance, which covers $25,000 per person or $50,000 per accident.
Uninsured Motorist Insurance provides coverage only for personal injury; it
does not cover property damage caused by an uninsured motorist. The state also mandates underinsured motorist insurance equal to the uninsured motorist coverage.
Underinsured motorist insurance covers bodily injury claims when an insured
motorist has a liability claim against another motorist whose liability auto insurance is insufficient. Finally, North Dakota requires drivers to carry Basic No-Fault auto insurance, also known as Personal Injury Protection (PIP), to the amount of $30,000 per person. No-fault auto insurance provides coverage for economic loss from lost work
or medical expenses, without consideration of who was at fault in the accident.
The state allows north dakota auto insurance companies to take the following into consideration
in determining north dakota auto insurance premiums: driving record, age, sex, and marital status (young unmarried males, being responsible for the greatest percentage of accidents,
pay the highest premiums); where the car is driven and where the insured lives;
the year, make, and model of the insured vehicle; and the driver's credit history.
North Dakota also allows north dakota auto insurance companies to exclude individual drivers from a family coverage if the driver's record is blematic.
With average north dakota auto insurance premium at around $695 in 2003, and the national average at around $914, most North Dakotans incorrectly assume that they have no choice but to accept these north dakota auto insurance rates fixed by north dakota car insurance companies and state regulatory agencies. We know there are cheap north dakota auto insurance rates available for you, and we will help you find the cheapest north dakota auto insurance quotes.
As the years go by, the north dakota auto insurance rates change a lot, you might be paying more north dakota auto insurance premium than you need to. Just one year earlier, the average north dakota auto insurance premium in 2002 was about $654, that's an increase of about 6.27% in just one year!
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