Types of auto coverage available in North Dakota
Here’s a rundown of the main types of auto coverage available in North Dakota:
Liability
- Covers the cost of injury to others and damage to their property when you’re at fault
- Required by law in nearly all states
Collision
- Pays to repair or replace your own vehicle when you’re at fault
- Covers collisions with other vehicles, objects, and animals
Comprehensive
- Covers damage to your car caused by things besides a collision
- Includes hail, wind, theft, fire, vandalism, animal damage, and more
Uninsured / Underinsured Motorist
- Covers your losses caused by an uninsured or underinsured driver
- Helps payfor damage to your car and bodily injury to you and your passengers
Medical Payments
- Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
- Provides this coverage no matter who’s at fault
Personal Injury Protection (PIP)
- Helps cover the cost of your rehabilitation and lost wages resulting from an accident
- Covers you no matter who’s at fault
North Dakota auto insurance minimum coverage requirements
Below are the required auto coverage amounts in North Dakota. Keep in mind that these are state minimums, not the actual amounts you may want. Your local Farmers agent can help as you select the right level of coverage for your needs.
| COVERAGE TYPE | NORTH DAKOTA REQUIREMENTS | ||
|---|---|---|---|
| COVERAGE TYPE | Bodily injury |
NORTH DAKOTA REQUIREMENTS | $25,000 per person; $50,000 per accident |
| COVERAGE TYPE | Property damage |
NORTH DAKOTA REQUIREMENTS | $25,000 per accident |
| COVERAGE TYPE | Uninsured motorist bodily injury |
NORTH DAKOTA REQUIREMENTS | $25,000 per person; $50,000 per accident |
| COVERAGE TYPE | Underinsured motorist bodily injury |
NORTH DAKOTA REQUIREMENTS | $25,000 per person; $50,000 per accident |
| COVERAGE TYPE | Personal injury protection |
NORTH DAKOTA REQUIREMENTS | $30,000 per accident |
North Dakota auto insurance discounts
Farmers offers a variety of discounts for our car insurance customers based in North Dakota. For example:
See a list of potential auto insurance discounts. Not all listed discounts are available in North Dakota.
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View more coverage options in North Dakota
Home insurance
Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.
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