North Dakotans, did you know that your state is the single biggest producer of honey in the U.S.? With all that amber goodness, it can be easy to forget that citizens of the Peace Garden State can still run into some sticky situations on the road. Thankfully, Root is here to help. You could save 52% on car insurance just by downloading the Root app and taking our test drive. Talk about a sweet deal.
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Peace Garden State.
Because North Dakota is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Fargo to Bismarck, Grand Forks to Williston, and all points between (we’re looking at you, Minot).
To legally operate a vehicle in North Dakota, you must carry liability, uninsured/underinsured motorist, and personal injury protection (PIP or no-fault) coverage. If you’re found driving without the required insurance, you can be charged with a misdemeanor, and face fines and possible suspension of your driver’s license.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
You can always opt for higher limits if you want more coverage.
This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient, or underinsured.
Again, you can always go for higher limits if you want more coverage.
North Dakota also requires drivers to have Personal Injury Protection (PIP), also called no-fault car insurance. PIP coverage will help pay for your medical bills after a car accident, regardless of who is at fault for the accident. If you’re involved in a car accident caused by another driver, that driver's liability insurance is responsible for your medical costs even after your PIP goes into effect.
You can always request more coverage if you like.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident. Acceptable forms include:
Failure to present proof of insurance to a police officer at a traffic stop may result in a citation. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.
Learn all about Root’s coverage options here:Our Coverages
If you’re found driving without insurance, you’ll face:
Under certain circumstances, the state may require you to file an SR-22 with the State Drivers License Division. An SR-22 Financial Responsibility filing, often referred to as SR-22 Insurance, is a type of proof of insurance that certifies that you will maintain your car insurance for one year. Your insurance company must file an SR-22 for you. (Root does this for free.)
The average driver North Dakotan pays $1,2912 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.