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North Dakota Car Insurance

North Dakota, America’s 39th state, boasts the meandering Red River, the mysterious Badlands and the expansive Devil’s Lake. With the rolling hills of the Great Plains in the western part of the state and the fertile soil of the Red River Valley in the east, this state plays a major role in the country’s agricultural and energy economies. Rodeos, fairs, pow-wows and buffalo, this state is a blend of Native American and American Western heritage. Drivers have been enjoying the natural beauty of North Dakota for decades, and CheapCarInsurance.net is keeping those drivers on the road. That’s why this article has been provided with all the necessary information every North Dakota driver needs to know without having to scour the countryside for it.

How Much Does Car Insurance Cost in North Dakota?

On average the cost for a state minimum car insurance policy is around $325 annually – if you were looking for full coverage you could expect to pay around $1,345 a year. When comparing price quotes the rates you receive will depend on your personal information, driving record, vehicle types and if the insurance provider offers discounts they can apply to your policy.

Here is a breakdown from our car insurance database of what drivers across the state have recently paid based on city and vehicle type:

Minimum Car Insurance Requirements

• The North Dakota Department of Insurance states that both Liability and Uninsured Motorist Coverage’s are required for every vehicle driven in the state. North Dakota has produced A Consumer’s Guide to Auto Insurance to assist consumers in purchasing auto insurance.
• Liability Coverage and Uninsured minimums:
  • $30,000 for each person injured or killed in an accident.
  • $60,000 for each accident when multiple individuals are injured or killed.
  • $25,000 to cover damage to property.

Requirements for New Drivers License:

• The North Dakota Driver’s Manual makes it clear that new residents to the state have 60 days to obtain a North Dakota driver license. All drivers who operate a vehicle in North Dakota must be licensed. To help new drivers who are less than 18 years of age obtain driving experience, North Dakota offers an Instruction Permit and a Minor’s Driver License.
• Instruction Permit. Beginning at age 14, the Instruction Permit allows an applicant to drive while supervised. The applicant must pass both the visual and written tests along with completion of a driver education course. The following applies while this permit is held:
  • The permit must be held for:
    • Ages 14 and 15: 12 months
    • Ages 16 and 17: 6 months or until age 18, whichever comes first
  • An adult age 18 or older who holds a license must be with the driver at all times while driving.
  • Applicants under the age of 16 must complete 50 hours of driving training. (“Behind-the-wheel” driver education hours to do not count toward this total)
• Minor’s Driver License. This license, also known as a Restricted Class D Operator License, is available to applicants age 15 or older who have satisfied the Instruction Permit requirements and have passed the road skills test. While holding this permit, the following applies:
  • May only operate a close relative’s vehicle. The North Dakota Driver’s Manual lists the applicable relatives as parent, guardian, sibling, grandparent, aunt or uncle.
  • May not drive unsupervised between 9pm and 5am unless regarding a school, work or religious activity
  • Must be supervised by an adult age 18 years or older who holds a license.
  • All cell phone use is prohibited.
  • Upon turning age 16, the applicant’s restrictions are removed and the license becomes a full driver license.
• Vision Exam. Applicants possessing a visual acuity of 20/40 or better and peripheral vision of 105 degrees will be issued an unrestricted license. Applicants with a visual acuity between 20/50 and 20/60 may be issued a daylight driving restriction. Corrective lenses may be worn, and appropriate restrictions will be applied.
• Written Test. This exam is based on the North Dakota Driver’s Manual. The North Dakota Motor Vehicle Division provides an online practice exam that can help drivers study for their written test.
• Driving Test. The road skills test evaluates the applicant’s ability to safely and legally drive a vehicle. The applicant must provide a licensed, insured and registered vehicle that is in proper working order. Each skill tested in this exam is included in the Driver’s Manual.
• Fees. The following fees apply:
  • Instruction Permit, $15
  • Written test, $5
  • Road test, $5
  • Driver License, $15

State DUI & DWI Laws

• BAC limit: .08 North Dakota Law has implemented several penalties for drunk driving in the state. The MVD website provides a concise outline of North Dakota’s DUI penalties, and those penalties are summarized here:
• First Offense – Class B Misdemeanor:
  • Fine:
    • BAC below .16: $500
    • BAC .16 or greater: $750
  • License suspension
    • BAC below .18: 91 days
    • BAC .18 or greater: 180 days
  • Jail: maximum 2 days
  • Addiction Evaluation
• Second Offense in 7 Years – Class B Misdemeanor:
  • Fine: $1,500
  • License suspension:
    • BAC below .18: 1 year
    • BAC .18 or greater: 2 years
  • Jail: 10 days
  • Addiction Evaluation
• Third Offense in 7 Years – Class A Misdemeanor:
  • Fine: $2,000
  • License suspension:
    • BAC below .18: 2 years
    • BAC .18 or greater: 3 years
  • Jail: 120 days
  • Supervised probation: 1 year
  • 24/7 Program: 1 year
  • Addiction Evaluation
• Fourth and subsequent DUI convictions are charged as felonies and the penalties are greatly increased.
• Refusals receive an automatic minimum 180-day and maximum 3-year revocation of driving privileges.
• North Dakota’s Zero Tolerance Law allows drivers under the age of 21 to be charged with DUI at a BAC level as low as .02.

State Driver Resources:

State Department of Insurance

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
(701) 328-2440
(800) 247-0560
www.nd.gov/ndins
Get Directions

Department of Transportation

North Dakota Department of Transportation
Transportation Building
608 E. Boulevard Ave.
Bismarck, ND 58505-0700
(701) 328-2500
1-855-637-6237 (1-855-NDROADS)
www.dot.nd.gov
Get Directions

Department of Motor Vehicles

North Dakota Department of Transportation
Motor Vehicle Division
Transportation Building
608 E. Boulevard Ave.
Bismarck, ND 58505-0700
(701) 328-2500