North Dakota car insurance
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North Dakota auto insurance information
As with most states, in order to register and drive your car in North Dakota, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:
- Bodily Injury to Others: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured motorist coverage: $25,000 per person / $50,000 per accident
- Underinsured motorist coverage must be equal to the uninsured motorist coverage
- Basic no-fault coverage: $30,000 per person
To learn more about North Dakota auto insurance minimums, visit the North Dakota Insurance Department.
What is Personal Injury Protection (PIP) Coverage?
If you are injured in a car accident, Personal Injury Protection (PIP) pays for your medical expenses and other related costs. North Dakota requires a minimum coverage amount of $30,000 per person to pay for:
- Medical expenses from injuries suffered in an auto accident.
- Lost wages due to missed time at work.
- Household replacement services when paying someone to help you with tasks you could have done on your own before you were injured.
Bundle North Dakota car insurance to save
Purchasing a home insurance policy along with car insurance from Liberty Mutual qualifies you for a multi-policy discount. Learn more about our North Dakota home insurance.