North Dakota Car Insurance Protection
The
AARP® Auto Insurance Program from The Hartford
1 has been protecting AARP members in North Dakota and their families since 1984. Since then, we’ve earned a reputation for integrity and trust. North Dakota drivers can rely on The Hartford’s North Dakota car insurance to be there when it’s needed most – that’s why our customers rate us so high for our
car insurance claim service.
The beautiful state of North Dakota offers many reasons to take a road trip. Whether you’re traveling through the scenic routes in Theodore Roosevelt National Park or exploring the capital city of Bismarck, it’s important to have high quality North Dakota car insurance protection to keep you and your family secure on North Dakota’s roadways.
What Car Insurance Is Required in North Dakota?
The minimum requirements for liability insurance depend on where you live. In North Dakota, the state minimum coverage limits are:2
Additional North Dakota Car Insurance Coverages and Benefits for ND Drivers
Even if you meet the minimum insurance requirements in North Dakota, you may still need more coverage and want to look at your insurance options. For added protection, ND drivers may also be eligible for the following North Dakota car insurance coverages with the AARP Auto Insurance Program from The Hartford:
Is North Dakota an At-Fault State?
No, North Dakota is not an at-fault state. North Dakota is one of several
no-fault states. If you’re in a car accident in North Dakota, each driver will file a claim with their own insurance company no matter who is at fault. You are required to have personal injury protection (PIP) coverage, also called
no-fault insurance in North Dakota. This type of coverage helps pay for things like your medical expenses and lost wages after a car accident, no matter who is at fault. In no-fault states, you are required to carry this coverage.
How Much Does ND Car Insurance Cost?
The average cost of car insurance in North Dakota is about $109 a month or $1,302 per year.3 On average, North Dakota drivers pay the least in car insurance rates of any state in the country. Your individual car insurance quote will depend on many factors, like what car you drive and your driving history.
Digital Proof of North Dakota Car Insurance
North Dakota state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. Keep a copy of your car insurance ID card in your vehicle along with your registration. North Dakota is also among several states that accept electronic proof of car insurance, and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
North Dakota Car Insurance Benefits and Discounts
North Dakota drivers could receive valuable car insurance discounts and
benefits for AARP members from the AARP Auto Insurance Program from The Hartford, including:
Staying Safe on North Dakota Roads
As you travel through North Dakota, there are a number of safe driving laws meant to protect you on North Dakota’s highways and byways. Here are just a few:4
North Dakota Seat Belt Laws:
Although the state of North Dakota does not have mandatory seat belt laws, law enforcement can ticket you for this violation if you are pulled over for another reason.
North Dakota Distracted Driving Laws:
North Dakota has a number of laws in place to discourage distracted driving:
- New drivers in North Dakota are not allowed to use hand-held cell phones.
- Texting while driving is banned in the State of North Dakota.
North Dakota Teen Driver Laws:
Getting a driver’s license is a rite of passage for teenagers, and North Dakota wants to be sure they stay safe in the process. North Dakota has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Get a North Dakota Auto Insurance Quote Today
The Hartford makes it easy to compare North Dakota auto insurance quotes. Call us at
888-413-8970 or
get a quote online in just a few minutes. Our customer service representatives can help you decide how to get the best car insurance in North Dakota for your needs.
Last Updated: October 5, 2023
2 North Dakota Insurance Department, “Auto”
3 Insurance Information Institute, “Facts + Statistics: Auto insurance”
4 Governors Highway Safety Association, “States”
