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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
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Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
If you’re on the lookout for a new car insurance policy, understanding North Dakota auto insurance requirements and the different types of coverage available can help you make an informed decision. In no-fault states like North Dakota, personal injury protection (PIP) insurance is required in addition to the typical liability insurance required by most states. Bankrate’s insurance editorial team, which includes licensed property and casualty agents, explains North Dakota’s PIP insurance requirements so you can better understand how it financially protects you.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
PIP insurance, or personal injury protection, is a coverage available and sometimes required in “no-fault” accident states like North Dakota. In a no-fault state, your own PIP insurance coverage can be used to cover injury related expenses, regardless of who caused the motor vehicle accident. While PIP coverage is optional in some states, it is mandatory in North Dakota.
A car insurance policy is typically broken down into three parts: coverage for another party when you are liable, physical damage coverage for your vehicle and coverage for your injuries. Bodily injury liability insurance is also mandatory in North Dakota, but only provides coverage for another party when you or someone driving your vehicle causes an accident. Collison and comprehensive are the two main coverages designed to provide compensation for damage to your vehicle and cover the cost of repairs.
PIP insurance is the coverage designed to financially protect you and your passengers for medical costs. It can be compared to medical payments, or MedPay, coverage available in other states, although it has broader coverage than MedPay, as will be discussed in a later section.
Medical expenses that may be covered under PIP insurance include, but are not limited to, ambulance and emergency services, imaging, diagnostic care, surgery, hospital stays, prescriptions and rehabilitation services.
Yes, PIP is required in North Dakota. Every state has different insurance requirements and PIP coverage is not mandatory, or even available, in every state. North Dakota is one of few states in the U.S. that is considered a no-fault state, meaning that in the event of an accident, your own no-fault coverage goes into effect no matter who caused the crash. No-fault laws were designed to avoid inconsequential or lengthy lawsuits, especially in the case of excessive medical treatment or excessive non-monetary loss claims.
In some no-fault states, PIP insurance is an available coverage but is not required, and policyholders may opt out of purchasing such coverage when they can provide proof of medical insurance. However, according to the North Dakota Insurance Department, $30,000 of PIP coverage, also known as “basic no-fault coverage,” is required by law. PIP limits vary by state where some require as little as $5,000 per accident and some states offer limits of $50,000 or more, which places North Dakota generally in the middle. Although many drivers tend to see mandatory insurance coverage as added out-of-pocket costs for their auto policies, PIP insurance can be very helpful because medical expenses tend to add up quickly after a serious injury.
Insurance premiums vary between every policyholder because auto insurance carriers consider multiple factors when calculating premium rates. In most states, factors that can influence premiums include driver age, gender, location, credit-based insurance score, insurance history, driving record, vehicle make and model, vehicle usage and coverages/deductibles selected. Because these factors will be unique for every driver, it is difficult to determine how much any person’s actual insurance coverage will cost without getting quotes.
Luckily, drivers in North Dakota average lower rates on their car insurance compared to other states. The average premium for full coverage in North Dakota is about $1,302 per year, which is significantly less than the national annual average of $2,014. Since PIP insurance would be one of the included coverages on your car insurance quote, getting multiple quotes is the best way to determine which policy will offer the best price for your PIP coverage. When you are shopping around for quotes, remember to check on what discounts are available through your company that could help lower your premium.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
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