Non-owner car insurance in North Dakota

What companies offer non-owner insurance in North Dakota?

This list covers 7 companies, ordered from the lowest rate to the highest.

In North Dakota, the code names an operator's policy: it covers one named person when that person drives cars they do not own. A no-fault system is also in place statewide, and the SR22 requirement generally runs for just one year.

Required protection under a North Dakota operator’s policy

The operator’s policy is described in Section 39-16.1-11 of the North Dakota Century Code chapter on financial responsibility. It covers the named individual while using vehicles the individual does not own. Liability requires at least $25,000 for each person hurt. One whole crash requires $50,000, and property damage requires $25,000.

Three additional items are listed on the North Dakota Insurance Department auto page. Basic no-fault, commonly called PIP, provides $30,000 per person for your medical costs and lost income, no matter who caused the accident. Protection against uninsured motorists handles crashes caused by drivers who carry no insurance. The minimum is $25,000 per person hurt and $50,000 for a single crash. Underinsured coverage must equal that amount.

One year of SR22 with NDDOT, measured from different starting dates

An SR22 is a form your insurance company files with the state to confirm you hold the necessary liability coverage. In North Dakota the filing goes to the NDDOT Driver License Division. Most requirements last one year, according to the state transportation FAQ. If you are convicted of a DUI or APC, the year starts when your license is reinstated. After an uninsured crash, it starts on the date of the crash.

An insurance card, declarations page, or binder from you will not be accepted. The insurer must file the form itself, and must also notify the state when the policy ends. With no vehicle to insure, you can still have the SR22 carried on a non-owner policy.

Reinstating a license costs $50 or $100, based on the Driver License Division fee list. Suspensions tied to insurance fall under the $50 tier. The $100 tier applies to refusal cases and driving over the legal limit.

A DUI case that is still pending, or a crash while uninsured

The timing may not be what people expect. The FAQ explains that the SR22 can be delayed while a charge for DUI or APC (actual physical control) is pending. It becomes required after the court reports the conviction and it appears on your record.

The NDDOT driver license page explains what you can do after an uninsured crash that involves injury, a death, or damage of at least $4,000. You may show that you were insured on that day, or you may deposit security equal to the amount of the damages. You may also submit proof of future financial responsibility: an SR22, or $25,000 in cash or securities deposited for one year.

What you pay in North Dakota, by age

A teenager pays roughly $864 each year. At age 40, minimum coverage on your own vehicle averages $564 annually, which is about $211 higher than the $353 for a non-owner plan.