North Dakota: Insurance and crash reports Practice Test
Liability insurance, reporting a crash and what the law expects after one.
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Questions are original and based on the official manual "North Dakota Noncommercial Driver License Manual" (2025-2027), North Dakota Department of Transportation (NDDOT).
All 9 questions in this practice test
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Besides a valid permit, which items must an applicant provide for the vehicle used during the road test?
- A bill of sale and the vehicle title document
- A repair receipt and a recent inspection sticker
- Current registration and current proof of insurance
- A loan statement and a recent fuel receipt
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Correct answer: Current registration and current proof of insurance
The manual requires current vehicle registration and current proof of insurance for the vehicle used during the road test.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 2 · Open this page in the manual (Manual page 2)
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What must all vehicles have, according to the manual's registration section?
- Liability insurance
- Collision insurance
- Roadside assistance coverage
- Comprehensive coverage
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Correct answer: Liability insurance
All vehicles must have liability insurance, and owners shall not permit a vehicle to be driven without a liability policy.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 8 · Open this page in the manual (Manual page 8)
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What must a person have in effect to drive a motor vehicle in North Dakota?
- A policy covering only collision damage
- A valid policy of liability insurance
- A certificate of title in the driver’s name
- A written statement from the vehicle’s dealer
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Correct answer: A valid policy of liability insurance
No person may drive a motor vehicle in North Dakota without a valid policy of liability insurance in effect.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 27 · Open this page in the manual (Manual page 27)
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What must a driver give to a law enforcement officer upon request?
- The date the policy began and the policy expiration date
- The amount paid in premiums over the past year
- A written statement from the insurance agent
- The name of the insurance carrier and the policy number
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Correct answer: The name of the insurance carrier and the policy number
The name of the motor vehicle insurance policy carrier and the policy number must be furnished to a law enforcement officer upon request.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 27 · Open this page in the manual (Manual page 27)
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What is the fine for operating an uninsured motor vehicle for a first violation?
- $50
- $250
- $150
- $500
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Correct answer: $150
The fine for operating an uninsured motor vehicle is $150 for a first violation.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 27 · Open this page in the manual (Manual page 27)
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What is the fine for a second or subsequent violation of operating an uninsured motor vehicle within three years?
- $300
- $150
- $250
- $500
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Correct answer: $300
The fine is $300 for a second or subsequent violation in three years.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 27 · Open this page in the manual (Manual page 27)
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A person convicted of “No Liability Insurance” must provide proof of liability insurance to the division for how long?
- Six months
- Two years
- Five years
- One year
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Correct answer: One year
A person convicted of “No Liability Insurance” must provide proof of liability insurance to the division for one year.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 27 · Open this page in the manual (Manual page 27)
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If you refuse to take an AC test, or are convicted of a DUI, what does the law require you to show?
- Proof of completion of a driver improvement course
- Proof of financial responsibility (SR 22 insurance coverage)
- A medical report from your physician
- Proof of a passed vehicle inspection
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Correct answer: Proof of financial responsibility (SR 22 insurance coverage)
The law requires proof of financial responsibility (SR 22 insurance coverage) after an AC test refusal or a DUI conviction.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 37 · Open this page in the manual (Manual page 37)
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After a DUI conviction or an AC test refusal, what could happen to your annual motor vehicle insurance rates?
- They would stay the same
- They could be cut in half
- They would rise by a small fixed amount
- They could double or even triple
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Correct answer: They could double or even triple
The manual says your annual motor vehicle insurance rates could double or even triple.
Source: North Dakota Noncommercial Driver License Manual (2025-2027), page 37 · Open this page in the manual (Manual page 37)