Car Insurance for North Dakota Drivers
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 car insurance protection to keep you and your family secure on North Dakota’s roadways.
The AARP Auto Insurance Program from The Hartford1 has been protecting AARP members in North Dakota and their families since 1984, and has earned a reputation for integrity and trust. North Dakota drivers can rely on The Hartford’s car insurance to be there when it’s needed most – that’s why our customers rate us highly for our car insurance claim service.
Car Insurance Benefits Offered to North Dakota Drivers
North Dakota drivers could receive valuable car insurance benefits from the AARP® Auto Insurance Program from The Hartford, including:
12-month Rate Protection
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in North Dakota
North Dakota state law requires liability car insurance at the following minimum limits:2
$25,000 for bodily injury, per person per accident.
$50,000 for bodily injury, total per accident.
$25,000 for property damage per accident.
Proof of Car Insurance in North Dakota
North Dakota state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your ID card in the vehicle with your registration. For added convenience, North Dakota is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.
North Dakota Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 5.9 percent of North Dakota drivers are uninsured. This is below the national average of 12.6%.3
Uninsured/underinsured motorist car insurance coverage can help protect you from financial loss if you are involved in an accident with an uninsured/underinsured motorist.
In North Dakota, your uninsured/underinsured motorist car insurance coverage must have the following minimum coverage amounts2:
$25,000 per person
$50,000 per accident
Additional Car Insurance Coverages and Benefits for North Dakota Drivers
For added protection, North Dakota drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
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 all 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.