Required Dakota Insurance DefinitionsAs with most states in the nation, in order for a resident of ND to register and operate a motor vehicle they must first obtain a car insurance policy. Being caught operating without meeting this requirement is considered a class B misdemeanor, and if the offending motorist is convicted they will receive a mandatory fine of no less than $150. In addition, motorists involved in an uninsured accident will be assessed 14 points to their driver's license, which will result in the suspension of driving privileges. In order to comply with the North dakota auto insurance requirements motorists must purchase an extensive amount of coverage when compared to other states. But fortunately for resident's, the state ranks among the lowest in country for coverage costs. The first of the types of coverages required by ND laws is bodily injury liability. This will cover injuries sustained by a third party up to the limits stated on the policy. The minimum amount that must be purchased is $25,000 for one person injured in an accident and $50,000 for all persons injured per accident. Motorists will also need to purchase property damage liability to cover the cost of damaging another party's property, which could include a vehicle, fence, pole or stop sign. The minimum amount that can be carried is $25,000. Both the limits of bodily injury and property damage liability can be increased by paying more in premiums.

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