North Dakota Car Insurance

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Discover savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 

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Discover savings and benefits with the AARP® Auto Insurance Program from The Hartford.
 

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Discover savings and benefits with homeowners insurance from The Hartford.
 

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
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 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:
 
  • Comprehensive
  • Roadside Assistance
  • Transportation Expense

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.
 
 
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
 
§§ Limitations apply.
 
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
 
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
 
Additional disclosures below.

The Hartford Center for Mature Market Excellence

Learn more from our experts about being safe on the road and at home.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.