Car Insurance in North Dakota
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- Looking for cheap car insurance in North Dakota?
- How much does car insurance cost in North Dakota?
- Top auto insurance providers in North Dakota
- What car insurance do you need in North Dakota
- How is your cost of car insurance determined in North Dakota?
- How to save money on car insurance in North Dakota
- Registering your car in North Dakota
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Looking for cheap car insurance in North Dakota?
Insuring your car in no-fault states can be expensive, but the low population density and low percentage of uninsured drivers in North Dakota help to keep costs relatively low.
That doesn’t mean that you should be paying more for your car insurance policy in North Dakota than you have to, though. Every insurance company uses a different formula to calculate your rates, and where you live is just one of the factors that providers take into account. So whether you’re in Fargo, Grand Forks, or Walhalla, shopping around is your best bet for finding a good deal.
Jerry is an insurance comparison and broker app that makes it easy to find the best cheap car insurance fast—so you get all the savings and none of the usual hassles that come with comparing rates. All you need to do is sign up and answer a few questions, and Jerry takes care of compiling quotes and getting you set up with your new policy.
Sounds too good to be true? Check out these quotes from real Jerry customers in North Dakota:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| April 17, 2022 | Gmc Terrain SLE | Grand Forks | Maggie V. | 26 | State Auto | $107/mo. | $66/mo. |
| April 3, 2022 | Mitsubishi Lancer Evolution Mr | Minot-Afb | Marc C. | 22 | Safeco | $175/mo. | $90/mo. |
| March 29, 2022 | Jeep Cherokee Latitude Plus | Minot | Lily K. | 52 | Nationwide | $225/mo. | $121/mo. |
| April 22, 2022 | Chrysler 300 S | Killdeer | Loretta M. | 64 | Allstate | $242/mo. | $148/mo. |
| April 17, 2022 | Honda Civic LX | Fargo | Sean C. | 27 | State Auto | $209/mo. | $175/mo. |
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How much does car insurance cost in North Dakota?
The average cost of basic liability car insurance in North Dakota is $1,704 per year. Opting for full-coverage car insurance in North Dakota will leave you with an average cost of $1,551 per year.
How does the annual cost in North Dakota compare to the rest of the country?
In comparison, the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
Car insurance isn’t very expensive in North Dakota, thanks largely to a couple of key factors:
- A low population density of just 10 people per square mile
- A fairly low percentage of uninsured drivers at 13%
Here’s how the insurance savings with Jerry in North Dakota compare to nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| ND | $1,958 | $1,500 | - | - | $1,669 | $1,347 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| ND | National Average | |
All Coverage Before Jerry | $1,958 | $2,436 |
All Coverage After Jerry | $1,500 | $1,660 |
Minimum Coverage Before Jerry | - | $2,296 |
Minimum Coverage After Jerry | - | $1,376 |
Full Coverage Before Jerry | $1,669 | $2,654 |
Full Coverage After Jerry | $1,347 | $1,962 |
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Top auto insurance providers in North Dakota
Many of the major insurance companies in the country serve drivers in North Dakota, including State Farm, Allstate, and USAA.
But selecting an insurance company can feel overwhelming. Each insurer uses its own formula to determine rates, which means you’ll end up with different rates from each one—even for identical coverage.
Factors that impact your final premium include your age, driving record, and location. Insurers consider the type of vehicle you drive, too. Insuring a Mercedes-Benz G-class, for example, is going to cost you a lot more for full-coverage insurance than a Mazda CX-7 because more expensive cars cost more to insure.
Jerry customers have found some great deals with various insurance companies in North Dakota. Take a look:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Safeco | $2,728 | $813 | Compare Prices |
| Nationwide | $2,511 | $802 | Compare Prices |
| Allstate | $2,560 | $709 | Compare Prices |
| Clearcover | $1,632 | $662 | Compare Prices |
| State Auto | $1,776 | $357 | Compare Prices |
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What car insurance do you need in North Dakota
Most states have mandatory insurance minimums that drivers have to meet before getting on the road. In North Dakota, you need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident | Reimburses you for your expenses from an accident caused by an uninsured driver |
| Personal injury protection | $150 per week / $30,000 maximum | Covers medical expenses, lost wages, and rehabilitation costs after an accident |
Driving without insurance is illegal and makes you liable for costs if you end up in an accident. Penalties for failing to secure the minimum insurance include:
- Fine of up to $5,000
- Up to 30 days in jail
- Suspension of license + reinstatement fee of $50
- Suspension of license plates
- SR-22 requirement for 1 year
- Financial liability in the event of an accident
While the mandatory minimums are all you need to hit the road legally, it’s usually a good idea to purchase as much insurance as you can afford. Here are some coverage options:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Rental reimbursement | Reimburses you for your rental car expenses while your car is being repaired after a claimable accident |
If you’re ready to find a policy, let Jerry help you find affordable rates from popular companies like AAA and Safeco.
Jerry is a comparison shopping app and licensed insurance broker that takes all the hard work out of shopping around. After browsing more than 50 insurers for the best quotes, Jerry will take care of your switchover from beginning to end and even help cancel your old policy.
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.
How is your cost of car insurance determined in North Dakota?
There are many factors that go into determining your final insurance premium. Some of the key ones include your age, driving record, location, and vehicle type.
Cost to insure your car in North Dakota by age
Your experience plays a big part in your insurance rate. Young drivers have little in the way of practical experience on the road, which is reflected in high insurance rates to account for the risk.
What young drivers in North Dakota need to know
- North Dakota does not have a graduated licensing program, but restrictions are in place to help new drivers learn while minimizing risk
- Demonstrating safe driving habits using a telematics device can help young drivers secure lower rates
- Maintaining a good average can qualify student drivers for a good student discount
It’s unlikely that drivers under the age of 25 will find rates comparable to their parents’. But shopping around and maintaining a clean driving record can go a long way to reducing premiums until they gain more experience on the road.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 21-24 | $2,656 | $860 |
| 25-34 | $2,142 | $592 |
| 35-44 | $2,346 | $747 |
| 45-54 | $2,227 | $633 |
| 55-64 | $2,275 | $955 |
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Cost to insure your car in North Dakota with a poor driving record
Low-risk drivers will always get better rates than high-risk ones. If your driving record shows offenses like speeding tickets, accidents, and DUIs or reckless driving charges, be prepared for sky-high North Dakota car insurance rates for at least a few years.
Can you save money on car insurance if you have driving violations? It’s possible, and shopping around with Jerry can help you find the best deals no matter what’s on your record.
Here’s just a sample of the savings that Jerry customers with less-than-stellar driving records have found:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,398 | $686 |
| Careless Driving | $2,508 | $1,309 |
| Speeding under 15 | $2,128 | $524 |
| Suspension | $1,860 | $39 |
| Other | $2,976 | $980 |
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Cost to insure your car in North Dakota based on where you live
North Dakota isn’t a densely populated state and only about 13% of drivers hit the road without at least the mandatory minimum insurance. This bodes well for drivers seeking affordable car insurance.
That said, rates still vary within the state. Drivers in cities typically pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
These are the top 10 cheapest cities for car insurance in North Dakota:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Bismarck | $1,800 | $595 |
| Dickinson | $1,632 | $517 |
| Fargo | $2,298 | $678 |
| Grand Forks | $1,775 | $527 |
| Mandan | $2,564 | $741 |
| Minot | $2,175 | $729 |
| West Fargo | $1,770 | $454 |
| Williston | $2,990 | $569 |
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Cost to insure your car in North Dakota based on the type of car you drive
Your car is another key factor in your insurance premium. In general, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. If you drive less, you’ll also save money because you have a lower claim risk.
So, if you drive an “average” car like a Toyota Prius or Chevrolet Malibu, you’ll likely find cheaper full-coverage insurance rates than you would if you drove a Mercedes-Benz or BMW.
Here’s what it costs to insure some popular makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Jaguar Xjl Portfolio | $3,600 | $3,039 |
| Ford Escape XLT | $1,862 | $1,796 |
| Honda Cr-V LX | $1,632 | $1,304 |
| Chevrolet Blazer | $1,140 | $1,140 |
| Lexus CT 200 | $1,428 | $991 |
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How to save money on car insurance in North Dakota
Insurance premiums in the Peace Garden State are usually very affordable, but extra savings never hurt! Here are some easy ways to bring your rates down even more.
Shop around for quotes
Comparison shopping is the number one way to find a better car insurance rate. Unfortunately, it’s usually a huge hassle and leaves you more confused than ever.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign up and answer a few questions, then watch as Jerry compiles customized quotes from more than 50 insurance companies in your area. Once you’re ready to choose a new policy, Jerry will handle the paperwork and help you cancel your old one.
The average Jerry customer saves $879 per year on car insurance!
Look for discounts
Most insurance companies offer a range of discounts, and some even let you stack them for greater savings. Here are some of the most popular ones for drivers in North Dakota:
| Discount type | Who is eligible? |
|---|---|
| Bundling your policies | Get your car and home policies from the same company and you could enjoy a reduced premium. |
| Go paperless | By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance. |
| Good student discount | Full-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average. |
| Vehicle safety discount | If your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider. |
| Telematics discount | Install a small, free device in your vehicle to track driving behavior, and you could be rewarded with a discount for safe driving. Check with your insurance company for more information. There’s usually a discount just for enrolling. |
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Increase your deductible
Increasing your deductible may seem like an easy way to reduce your monthly costs. And it is, but it’s not always a smart move.
Your deductible is the amount you pay out of pocket for a claim before your insurance company covers the rest. You should only increase it if you can afford to pay the deductible in full each time you have to make a claim.
Registering your car in North Dakota
To register a car in North Dakota, bring the following to the DMV:
- Valid driver’s license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
In North Dakota, you must renew your vehicle registration annually. You can do it online or in-person at a DMV office.
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