Insurance requirements for registering a car in North Dakota
In the state of North Dakota, all drivers are required to carry automobile liability insurance or "financial liability" in order to legally operate a vehicle and retain the vehicle's registration.
The minimum financial liability requirements for drivers in North Dakota are as follows:
Minimum $25,000 per person for personal injury or death. This means you need to have at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers).
$25,000 minimum for property damage liability
A minimum of $25,000 per person for an uninsured or underinsured motorist. This means you need to have at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers).
A minimum of $30,000 in injury protection that covers your medical bills after a car accident, no matter who is at fault.
This means that the total minimum financial liability you will require is $155,000 for bodily injury, property damage, uninsured or underinsured motorist and injury protection.
North Dakota Auto Insurance Plan
North Dakota insurance companies are required to participate in the North Dakota Auto Insurance Plan, which helps high-risk drivers obtain the necessary legal liability coverage. If you have previously been denied coverage as a high-risk driver, you may be able to apply under this plan to drive legally in North Dakota. You can also contact providers who previously denied you this plan.
proof of insurance
All drivers in North Dakota are required to have insurance whenever they drive a vehicle. You must also show proof of insurance to any police officer at the stop or scene of the accident. Finally, you will need an insurance certificate in order to register your car.
Acceptable proof of insurance coverage includes:
Insurance certificate from an authorized insurance company
A letter confirming your coverage under the North Dakota Auto Insurance Plan.
Certificate of Self-Insurance, which is only available to those with more than 25 vehicles insured.
Penalties for Violation
If you are found guilty of violating insurance laws in North Dakota, you may face the following sanctions:
Class B misdemeanor charge
Minimum fine of $150
Up to 14 points in your driving record if you are uninsured and involved in an accident.
Suspension of your driving license
Filing an SR-22 is required, which is a financial responsibility document that guarantees the government that you will have auto insurance for the next year.
If you fail to provide proof of insurance when requested by a police officer, you may also face the following sanctions:
Minimum fine of $150
Confiscation of the vehicle before the provision of the insurance policy
For more information, contact the North Dakota Department of Transportation through their website.
