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North Dakota Car Insurance

Beautiful scenery, larger-than usual monuments, and an enchanted highway make all the reasons to drive around North Dakota. Driving without car insurance, though, can get you fines, and even a suspension on your license.


North Dakota Penalties for Driving Without Car Insurance

In the state of North Dakota, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in North Dakota include fines of $150 to $1,000 and suspension of license.


North Dakota Car Insurance Laws

According to the North Dakota Department of Transportation, North Dakota’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. North Dakota vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $25,000 for bodily injury to or death of one individual in any one accident
  • $50,000 for bodily injury to or death of two or more individuals in any one accident
  • $30,000 for personal injury protection
  • $25,000 for injury to the property of others in any one accident


North Dakota DUI/DWI Laws and Penalties

North Dakota DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. North Dakota DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. Penalties for a first offense DUI in North Dakota include fines of up to $750 and a license suspension of up to 180 days. Penalties for a second offense include up to 10 days jail time, fines of up to $100 and a one-year licensure suspension.


North Dakota Cell Phone Driving Laws and Texting While Driving Laws

The state of North Dakota currently does not have a full ban on cell phone use for all drivers. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. North Dakota also has a texting while driving ban for all drivers. It is a minor misdemeanor and violators could face a fine up to $100.


North Dakota SR-22 Insurance Documents

North Dakota SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the NDDOT, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of North Dakota for drivers that are required to keep and show valid auto liability insurance.

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