The General® is pleased to offer insurance in North Dakota. From the Minot Air Force Base to the Roger Maris Museum in Fargo, The General® has you covered. The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked. We have provided some information below that should help answer some of the more common questions we receive from our North Dakota customers.

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North Dakota Mandatory Coverages

North Dakota drivers must have liability insurance to help cover another driver’s expenses resulting from an accident for which you are at fault. The coverage minimums are:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident
Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident
Personal Injury Protection: $30,000

Frequently Asked Questions Regarding North Dakota Auto Insurance

What is Uninsured/Underinsured Motorist cover?

Coverage which protects you and the people in your car in the event another driver hits you with inadequate insurance coverage or no auto insurance at all.

What is Personal Injury Protection (PIP) and who does it cover?

PIP is insurance coverage for medical and other expenses, such as wage loss and funeral expenses, which result from an auto accident, no matter who is at fault. The law requires you to have PIP coverage.

PIP covers the person who is named on the policy, household residents related by blood, marriage or adoption, and step- or foster children. It also covers non-family passengers and pedestrians involved in the accident.

What if you are currently driving without coverage?

If you break the law by driving without insurance you could be charged with a class B misdemeanor resulting in a fine of at least $150; if you are involved in an accident you could have your drivers licenses suspended.

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

North Dakota Department of Insurance
North Dakota Department of Transportation
North Dakota Highway Patrol
The Official Website of the State of North Dakota