Car Insurance in North Dakota
- How Much is Car Insurance in North Dakota?
- Real Quotes for Jerry.ai Customers in North Dakota
- The Cheapest Car Insurance in North Dakota
- Most Popular Insurance Companies in North Dakota
- Cost to Insure Different Cars in North Dakota
- Car Insurance Laws in North Dakota
- Car Registration Information in North Dakota
Looking for car insurance in North Dakota? Here you’ll find all the information you need on driving a car in The Peace Garden State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Fargo or Bismarck, Grand Forks or Minot — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for North Dakota car insurance.
How Much is Car Insurance in North Dakota?
Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in North Dakota, here’s what you should know about how much you’ll pay for insurance: On average, drivers in North Dakota pay $2,171.58 each year for car insurance. This means drivers in North Dakota pay 28% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
What’s Your Rate?
But how do you know what policy is right for you in North Dakota? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in North Dakota, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.
Real Quotes for Jerry.ai Customers in North Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2020-12-18 |
| 37 year old female | Nationwide | $133.08 | $106.92 | Preferred |
| 2020-11-22 |
| 52 year old male | State Auto | $112.52 | $387.48 | Preferred |
| 2021-02-16 |
| 24 year old female | State Auto | $109.22 | $15.78 | Preferred |
| 2021-02-10 |
| 41 year old male | Nationwide | $58.24 | $161.76 | Basic |
| 2020-12-07 |
| 40 year old female | Nationwide | $79.77 | $12.23 | Standard |
The Cheapest Car Insurance in North Dakota
Which companies offer cheap car insurance in North Dakota? Below, we’ve ranked North Dakota car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Cheapest Car Insurance in North Dakota for Basic Coverage
There’s all kinds of auto insurance you can get in North Dakota, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by North Dakota. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in North Dakota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Basic Coverage in North Dakota
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $943.38 |
Real Jerry Quotes for Basic Coverage in North Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-25 |
| 21 year old male | Metlife | $130.67 | $39.33 |
| 2020-11-24 |
| 33 year old male | Nationwide | $51.91 | $293.64 |
| 2021-02-02 |
| 36 year old female | The General | $110.67 | $29.33 |
| 2021-01-11 |
| 21 year old male | Nationwide | $83.32 | $231.68 |
| 2020-11-30 |
| 23 year old female | Nationwide | $141.62 | $108.38 |
Average Cheapest Car Insurance for Standard Plans in North Dakota
Most drivers will want more than the basic minimum coverage that North Dakota requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in North Dakota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!
Average Cheapest Car Insurance for Standard Coverage in North Dakota
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $1,444.24 |
| 2 | State Auto | $1,813 |
Real Jerry Quotes for Standard Coverage in North Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-18 |
| 26 year old female | Nationwide | $264.43 | $35.57 |
| 2020-12-26 |
| 47 year old female | State Auto | $248.42 | $166.58 |
| 2021-02-19 |
| 24 year old male | Nationwide | $92.13 | $77.87 |
| 2021-01-06 |
| 23 year old female | Nationwide | $122.42 | $37.59 |
| 2020-12-04 |
| 24 year old male | Nationwide | $97.26 | $102.74 |
Cheapest Car Insurance in North Dakota for Preferred Coverage
Preferred coverage protects North Dakota drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in North Dakota, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Preferred Coverage in North Dakota
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $1,417.05 |
| 2 | State Auto | $1,971.23 |
Real Jerry Quotes for Preferred Coverage in North Dakota
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-11-26 |
| 39 year old male | State Auto | $180.98 | $83.02 |
| 2020-11-29 |
| 34 year old female | State Auto | $76.38 | $135.62 |
| 2021-01-31 |
| 21 year old male | State Auto | $286.01 | $11.99 |
| 2020-11-18 |
| 69 year old female | Nationwide | $84.32 | $330.68 |
| 2021-01-31 |
| 29 year old female | Nationwide | $135.79 | $38.07 |
Most Popular Insurance Companies in North Dakota
| Insurance company | Average annual premium in North Dakota |
|---|---|
| Safeco | $1,865.23 |
| Nationwide | $1,663.62 |
Cost to Insure Different Cars in North Dakota
Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for North Dakota drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in North Dakota. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-01-21 |
| 23 year old male | Nationwide | $87.28 | $160.72 | Standard |
| 2020-11-23 |
| 20 year old female | State Auto | $263.82 | $36.19 | Standard |
| 2021-02-14 |
| 43 year old female | Nationwide | $75 | $35 | Preferred |
| 2021-01-19 |
| 48 year old female | Nationwide | $84.93 | $27.07 | Preferred |
| 2020-12-19 |
| 43 year old female | Nationwide | $60.22 | $49.78 | Standard |
| 2021-01-09 |
| 21 year old male | The General | $173.17 | $225.83 | Preferred |
| 2021-02-19 |
| 26 year old male | Nationwide | $124.62 | $22.38 | Standard |
Car Insurance Laws in North Dakota
To operate a vehicle in North Dakota, you need to register your vehicle and maintain a minimum amount of auto insurance coverage at all times.
By law, North Dakota requires drivers to carry auto insurance. If you live and drive in North Dakota, here’s everything you should know about the minimum car insurance requirements in the state.
What Car Insurance is Required by Law in North Dakota?
Before a vehicle can be registered to drive in North Dakota, it must be insured within the state. You must have proof of insurance that clearly details Bodily Injury Liability (BIL), Property Damage Liability (PDL), Uninsured Motorist Coverage, Underinsured Motorist Coverage, and Basic No-Fault Coverage (and known as Personal Injury Protection (PIP) coverage).
Regardless of who caused the accident, car insurance will take care of costs up to its limitations because North Dakota is a no-fault state. Since there’s no reason to dispute blame for injuries or property damage sustained in the car accident, it’s possible for compensation to be paid out more quickly.
BIL insurance is intended to cover medical expenses for the other parties involved, including transportation, prescriptions, ambulance costs, and other treatments. It can also cover lost wages that are related to an accident.
PDL coverage helps pay reparations for property damage caused by the collision. It’s a broad category that can take into account other vehicles, buildings and fences, utility poles, and so on.
Unlike most states, underinsured and uninsured motorist coverage is mandatory in North Dakota. Should the amount of insurance carried by another party in an accident be insufficient, underinsured motorist coverage picks up the slack for costs. Uninsured motorist coverage can pay for claim amounts related to the accident when the other driver does not have insurance.
PIP is also mandatory in North Dakota. This basic no-fault insurance covers economic losses like medical expenses and loss of work without regard to fault in the event of an injury.
Can You Drive a Car without Insurance in North Dakota?
Drivers in North Dakota are not permitted to drive on the roadways without financial responsibility or proof of insurance. You must provide proof of insurance either on paper or by electronic device when requested by law enforcement. It’s a Class B misdemeanor and is punishable by a minimum mandatory fine of $150 for the first offence. If you’re in a car accident while driving without minimum liability insurance, your license will be automatically suspended by the state and you’ll be assessed 14 points against your license.
If convicted, you may be required to obtain SR-22 insurance to get your license and registration reinstated, which will need to be on file for one year. An SR-22 certificate comes with a small cost of $15 from your insurance provider in most cases, and it provides proof of insurance. However, it’s extremely likely your premiums will increase due to your conviction.
What Are the Minimum Car Insurance Requirements in North Dakota?
North Dakota requires that drivers with a license in the state must keep valid car insurance coverage that meets the minimums set out by law. This provides a layer of protection for you as a driver, not to mention other motorists, property, and vehicles around you that could be involved in an accident. Legally, to drive in North Dakota you must carry these minimum coverage amounts on your policy.
Minimum Insurance Requirements in North Dakota
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist coverage: $25,000 per person, $50,000 per accident
- Underinsured motorist coverage: must be equal to uninsured motorist coverage
- Basic no-fault insurance: $30,000 per person
Car Registration Information in North Dakota
Upon securing at least the minimum coverage for car insurance, you must register your vehicle to drive legally in North Dakota. By law, registration must be completed within 90 days of moving to the state or when you begin working, whichever is first.
When you register your car for the first time, you will be issued a license plate by the DMV that must be always visible on the rear of your vehicle. New vehicles must be registered in person at a Motor Vehicle Division branch. The application must be accompanied by a damage disclosure, proof of insurance with your vehicle identification number (VIN), a copy of your identification, and a vehicle inspection if required. Initial registration fees must also be submitted.
Renewing your registration is a simple process in North Dakota and can be easily completed online at the North Dakota Motor Vehicle Registration Renewal portal. After renewing, decals and registration cards are sent within 5 to 10 business days. Or, if you prefer, you can renew your registration in person before it expires by visiting your Motor Vehicle Division Branch.
Registration and renewal costs are determined based on your vehicle type and age. They range from $49 to $274 annually.