Auto Insurance North Dakota
North Dakota, and its twin state South Dakota, were admitted to the country on the same day. The state has a large minority population of Native Americans. It is also considered an area of peace as its nickname is the Peace Garden State in reference to the International Peace Garden. The garden was built as a symbol of friendship between the state and its northern neighbor, Canada.
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State Of North Dakota
The state of North Dakota is made of a combination of level prairies and rolling plains. The west side of the state is home to the Badlands, an area of deep gullies and steep hills. Much of the state land is agricultural farmland and ranches. In fact, the majority of the people in the state are farmers and lead in sunflower seeds, barley and flaxseed crops. The state does not have a very large population and due to the downturn in farming, more and more people leave the state each year to find work elsewhere. North Dakota is rich in oil and petroleum as well.
North Dakota Cost Averages Per Driver
Current average car insurance premium in North Dakota $1,272.19
Current average car insurance premium U.S. $1,446.49
Average premiums in North Dakota cities
Fargo $1,070.63
Bismarck $1,502.36
Uninsured or underinsured Motorist in North Dakota
There is nothing more likely to ruin someone’s mood that getting hit by an uninsured driver. Even though North Dakota residents are required to purchase auto insurance on every vehicle they use, some drivers illegally drive without it. This makes them a danger to every other person on the road. Getting into a collision with an uninsured driver could mean thousands of dollars of out of pocket costs to cover the damages. That is why uninsured and underinsured motorist protection was created.
How much ND UM & UIM Coverage should you get?
North Dakota feels that uninsured motorist coverage is so imperative to driving in the state that they have passed laws requiring drivers to add it to their car insurance policies A minimum of $25,000 per person and up to $50,000 per accident is the legal amount of UM coverage to add to the insurance contract. This is fantastic protection from the 5% of uninsured motorists in North Dakota.
Determining at Fault for an Auto Accident in North Dakota
The state of North Dakota is a no fault state. This is interpreted as a method of making each driver responsible for their own damages. Instead of law enforcement deciding who is at fault for an accident, each person and their insurance company cover their own property damages and medical expenses.
Coverage Requirements
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: $30,000 Limit
