Cheapest Car Insurance Rates for September 2020
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Cheap Auto Insurance in North Dakota: Best Companies & Quotes
Best Car Insurance Companies in North Dakota
- Grinnell Mutual
- American Family
- State Farm
- Auto Owners Insurance
|Grinnell Mutual||American Family||State Farm||Auto Owners Insurance||Geico||Progressive|
|AM Best Financial Strength Rating||A||A||A++||A++||A++||A+|
|JD Power 2019 Overall Customer Satisfaction score||Not Rated||3/5||5/5||3/5||3/5||3/5|
|Avg Annual Premium||$330||$388||$391||$555||$629||$872|
|Consumer Reports Reader Score||N/A||89||78||N/A||78||75|
Auto Insurance Statistics in North Dakota
Auto insurance rates North Dakota have been significantly lower than the national average for many years. Drivers in the state can review the rates compared with national averages to see how much they are saving in comparison to other states nationwide.
Top 10 Cheapest Car Insurance Companies in North Dakota
|Rank||Company Name||Avg. Annual Premium|
|9||Auto Club Group||$1,750|
|10||National Farmers Union P&C||$1,926|
Drunk Driving Fatalities
Drinking and driving often results in death and in North Dakota and other states nationwide, this practice continues. To avoid fatalities from drinking and driving, drivers must consider abstaining from operating a vehicle when under the influence of alcohol. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in North Dakota vs. nationwide.
Drunk driving fatalities in North Dakota from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in North Dakota is significantly higher than the national average. This a serious epidemic that needs to be addressed in schools and at home for early intervention. This data shows that far more teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of North Dakota drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in North Dakota vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in North Dakota
Like most states in the country, North Dakota has strict SR-22 insurance regulations for individuals who have previous driving infractions. If local authorities say you need an SR-22 policy to get back on the road, you can face strict punishments for continuing to drive. An SR-22 policy is essentially a form that provides evidence that you have North Dakota’s minimum insurance requirements.
While minimum requirements can change, you should be aware that SR-22 policy providers will immediately notify North Dakota driving officials if you cancel or amend your policy outside of its permitted scope. Because these policies are given to individuals with driving offences, they tend to be more expensive — make sure to compare rates before you buy a policy.
Car Theft in North Dakota
Car theft in North Dakota has been higher over the past few years with some years seeing more and less car thefts when compared to the national average. By finding out about the rate of car theft in North Dakota, it will be easier to understand the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank nationwide vs. North Dakota
Uninsured Motorists in North Dakota
Driving without sufficient auto insurance is a practice that could cause you to have to pay out of pocket for accident related expenses. Yet drivers across the country still remain uninsured due to financial reasons and socioeconomic challenges. It helps to carry uninsured and underinsured motorist coverage. The below data shows how well North Dakota ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
With its wide open spaces and sparse population, having access to a vehicle is essential for living in North Dakota. Anyone who wants to drive in the state must also have auto insurance. By law, the minimum auto insurance requirements for ND are as follows:
- Bodily Injury Liability: This covers any claims made against you for bodily injury caused to another person through the operation of your vehicle; $25,000 per person, $50,000 per accident minimum.
- Property Damage Liability: This protects you from claims brought over damage to someone else’s property through the operation of your vehicle; $25,000 per accident minimum.
- Uninsured Motorist Coverage: This form of insurance provides you with coverage for a bodily injury claim you could have against another driver without insurance; $25,000 per person, $50,000 per accident minimum.
- Underinsured Motorist Coverage: This provides coverage for a bodily injury claim you could have with another driver whose liability coverage is less than your underinsured coverage; must be equal to the uninsured motorist coverage amount.
- Basic No-Fault: This gives you coverage for economic loss incurred – such as medical expenses or time off work – as the result of an auto accident, regardless of who’s at fault; $30,000 per person minimum.
There are additional forms of coverage available as well, including: collision, towing, comprehensive, death and dismemberment, and GAP coverage. But if you’re looking for the cheapest auto insurance, you probably want to stick with the minimum requirements. To make this easier, we’ve made a list of cheap auto insurance companies for each of North Dakota’s five biggest cities.
North Dakota’s biggest city, perhaps most famous for the movie of the same name, is a great college town. Like the rest of the state, winters can get extremely cold, which means having a properly insured vehicle is a must.
Auto insurance rates here are among the cheapest in the state, costing an average of $1,148 per year. To get the lowest rates possible, check out these companies, led by Nodak Mutual offering average rates of $618 per year:
- Nodak Mutual
- State Farm
Bismarck is North Dakota’s capital and second largest city. It’s also a great place to raise a family, boasting low crime rates and an excellent public school system. Auto insurance here is cheaper than the state average, at $1,224 per year. By choosing the right company, you can get a great deal with any of these companies:
Grand Forks, ND
- State Farm
- Nodak Mutual
The third largest city in ND, Grand Forks is also one of the cheapest places to get auto insurance. Residents pay an average of $1,154 annually. With a little shopping around, that figure can nearly be cut in half, to around $600:
- State Farm
- Nodak Mutual
Proving that bigger cities don’t always equate to more expensive auto insurance, Minot – the state’s fourth largest city, is yet another place on the list with cheap insurance rates compared to the state average. Residents here pay about $1,200 per year to get their vehicles insured. These companies have even cheaper rates:
West Fargo, ND
- Nodak Mutual
- State Farm
The trend of cheap insurance rates continues with our last city, West Fargo, which has the cheapest auto insurance in the state. Those who drive in ND’s fifth largest city only pay $1,137 per year on average. With a little shopping around, consumers can potentially slash another $500 off that figure:
- Nodak Mutual
- State Farm
Types of Auto Insurance Coverage in Nebraska:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
New Driver Licensing Requirements
Residents in the state of North Dakota will have 60 days in which to get an official state driver license. North Dakota requires that all new drivers that are under 18 years of age obtain an Instruction Permit. The Instruction Permit program and Minor’s Driver License program are available to younger drivers.
- Instruction Permit: Starting at the age of 14, the Instruction Permit makes it possible for an applicant to begin driving as long as they are supervised. They will need to pass written and vision tests as well as completing a driver education course. When the permit is held, the driver must hold it until the age of 15 and 15 for 12 months. At the ages of 16 and 17, it must be held for 6 months or until the driver turns 18, whichever event precedes the other.
Source: North Dakota Driver’s Manual
Cheap Auto Insurance Discounts
Rivers looking for cheap auto insurance quotes in North Dakota can benefit from taking advantage of auto insurance discounts. At CheapAutoInsurance.co, we strive to help you get the lowest possible rates on auto insurance. That is why we have put together a list of common insurance discounts which can help you save. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in North Dakota each year.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
Being one of the few no fault insurance states in the country, North Dakota has its own set of rules when it comes to insurance that are a bit different from other states. If you want to acquire insurance in North Dakota and be properly prepared for any auto accident you find yourself in, it’s important to make sure you understand the rules regarding their insurance policies.
Check out the answers we’ve provided on what you need to acquire insurance in North Dakota, what that insurance covers and what may happen if you find yourself in an accident.
Getting Coverage in North Dakota
North Dakota has different requirements for getting coverage and there are several things that can drastically affect your premiums. Not only your driving record, but everything from your credit score to your occupation all plays a huge role in your coverage. Check out the answers we’ve provided below on getting coverage.
What does collision auto insurance cover in ND?
Collision auto insurance in ND helps to cover the costs related to damages your car received after you’ve been in a traffic accident. This is not like comprehensive insurance, which is related to non-accident events.
What is collision for auto insurance in North Dakota?
Collision for auto insurance helps to pay repair costs or replacement costs for situations where your vehicle crashes into an object, rolls over, or crashes into another vehicle. This type of coverage is made to fix up or replace your vehicle in case of an accident.
How long do you have to add a new car to your insurance policy in North Dakota?
When it comes to extending coverage to a new vehicle, most policies give you 30 days to purchase insurance and inform you about the purchase. It’s important to know how long you have exactly by reaching out to your insurer.
How soon do you need insurance after buying a car ND?
At the most you will have 30 days to get insurance. In some cases, you may only have 14 days or no grace period at all. Make sure to call your insurer from the car dealership before taking your vehicle off the lot. Consider purchasing car insurance online if you don’t already have a policy.
How to file complaint with ND dept of insurance for auto insurance?
If you have a complaint, you can file it by emailing [email protected] or call their customer service hotline at 1-800 247-0560. You can even send your complaint via mail by downloading and filling out a form through the website.
Is auto insurance non-renewal letter legal when losses are not listed in North Dakota?
There may be an issue with the legality of a car insurance non renewal letter if the losses are not listed. The best thing to do is to reach out to a legal professional and get their input on the legality of the non-renewal letter before taking any action.
When did it become mandatory, by law, to have auto insurance in the state of North Dakota?
Except for a few others, most states made auto insurance mandatory either during the 1960s and 1970s. North Dakota is one of those states that passed compulsory insurance laws around that time.
How long is auto insurance claims allowed on reporting in North Dakota?
In general cases, you have two to three years to file a car insurance claim, based on whether it is a personal injury or property damage. However, the time limit for claims depends on your insurance provider.
Why doesn't North Dakota have 12,500/25,000/12,500 car insurance coverage anymore?
Most states no longer provide this level of coverage. The reason why is because of the changing costs in coverage and the amount needed to repair vehicles. States are changing coverage plans to better reflect these costs.
Do you need proof of insurance when you register a car in North Dakota?
You do not need to have proof of insurance when you register a vehicle in North Dakota. You do need proof of your legal name, such as a signed title and to pay a 5% excise tax. Related: How do you get car insurance?
What auto insurance does a dealership in North Dakota carry?
Auto insurance provided by a dealership is varied based on the dealership you’re working with. Drivers also have the opportunity to purchase insurance themselves before taking their vehicle off the lot. Related: I need car insurance now.
Do I have insurance coverage when I buy a new car North Dakota?
When you buy a new vehicle in North Dakota, you do not have insurance coverage. You must get insurance within, at most, 30 days in order to drive your vehicle without penalty in the state.
What do I legally have to carry for auto insurance in North Dakota?
The minimum amount of auto insurance that you legally have to carry in North Dakota is $25,000 for bodily injury per person per accident, $50,000 bodily injury for all persons per accident.
Who has to be listed on your auto insurance policy in the state of North Dakota?
All household members should be known to the auto insurance company, but they don’t necessarily have to be listed. Depending on your insurance, you be required to list them as an occasional driver on your policy.
How to become a local car insurance company privately owned in North Dakota?
You can start a car insurance company in North Dakota by getting licensed in the state, writing a business plan, registering with the state, getting insurance and then secure the financing you need. Afterwards, you can start bringing in clients.
What is considered full coverage auto insurance in North Dakota?
There is no one term that defines full coverage auto insurance. Most providers consider insurance full coverage options to include comprehensive insurance, collision insurance and liability insurance all within the same policy. Some people will also get GAP coverage. Check out where to buy GAP insurance if you’re considering getting it.
How does auto insurance change from place to place in North Dakota?
Depending on the location you’re in, your auto insurance may change in terms of costs and rates. You may also pay a higher penalty in situations where you are caught driving without insurance based on your location. To find out what it is in your area just get free auto insurance quotes through our form above.
Why did North Dakota raise car insurance premiums 2017?
Several factors have been listed as to why North Dakota and many other states raise car insurance premiums in 2017. Most of these factors include increased medical and vehicle cost, the economy and the increased number of distracted drivers on the street.
How long do I have to file an insurance claim after a car accident in North Dakota?
If you’ve been in a car accident, you can file a claim for compensation up to three years after the accident or three years after you find out an injury you sustained was linked to the accident. It depends on whichever date was later.
Where to file North Dakota auto insurance complaint?
You can file an auto insurance complaint at the North Dakota State Government website either by emailing them at [email protected] or calling their consumer service at 1-800 247-0560 and fill out any form they may require.
When I have a loan on a car, what type of insurance do I need in North Dakota?
If you have a loan on a vehicle, you must have enough insurance to adequately cover the vehicle even if it is much higher than the minimum. If you do not insure the vehicle properly, the lienholder may buy insurance and add the cost to the loan.
How can you legally take insurance off your car North Dakota?
If you do not wish to have the same insurance provider, you can take it off by replacing it with another provider and making sure the new and previous insurance provider are aware of the changes that have been made.
How to switch auto insurance in North Dakota?
It’s simple to switch auto insurance. Simply apply for and receiver coverage from your new provider. Once you’re covered by the new provider, you can cancel your old policy and you will have successfully switched.
How to shop for auto insurance in North Dakota?
Shop around and receive quotes from several different providers. See what discounts are available and then find the best coverage at the lowest rate. Make sure to provide accurate information when receiving a quote to get the best result.
How to get motorcycle insurance in North Dakota?
You can get motorcycle insurance online from many insurance companies. We recommend using price comparison forms to make sure you’re getting the best deal.
The Costs of Coverage
With so many things playing a major impact on the cost of coverage in North Dakota, it’s significant to find any way possible you can to keep those costs down. We’ve answered several questions below on what has an impact on the cost of coverage and some things you can do to keep it down.
Just turned 18 in North Dakota, about how much is car insurance?
If an 18-year-old has their own policy and purchase liability insurance at a minimum, then they will have to pay an average of $5,115 per year for their car insurance. The price ranges based on the type of vehicle, gender of the driver, and their driving history.
Who has the cheapest car insurance in North Dakota?
How much is auto insurance per month North Dakota?
How much is car insurance for a 2012 vehicle for a 19-year-old male driver in North Dakota?
While the price may vary, depending on the type of vehicle you’re using, the average amount a 19-year-old male will pay for insurance will be anywhere from $1,200 to $2,600 per year. Read more: How much is car insurance for a 18 year old?
How much is for comprehensive car insurance for Progressive in North Dakota?
Insurance for Progressive comes at a range of rates depending on several factors. It’s best to get a quote directly from Progressive, but the average cost could range anywhere from $116 to $188.
What is the state minimum car insurance in North Dakota?
North Dakota requires that all vehicles have a minimum insurance coverage of $25,000 per person for bodily injury and $50,000 per accident. Property damage should be covered up to $25,000 per accident and uninsured motorist should have $25,000 per person and $50,000 per accident.
How much does a teen girl add to car insurance in North Dakota?
If a teenager gets added to car insurance in North Dakota, the cost may be anywhere from $1,123 to $2,688 a year to add them to insurance. Teenage boys are more expensive to insure than girls. It is definitely possible to get cheap insurance for young drivers but may require more comparing of quotes from multiple companies.
What is the average cost of car insurance in North Dakota?
The average car insurance price in North Dakota is $637.54 a year, but this cost varies based on a person’s age, driving record, and the insurance provider they choose along with the type of coverage.
How much is car insurance for a 20-year-old male North Dakota?
Car insurance for a male in their 20s is going to cost an average of $1,705.23 in North Dakota. This rate decreases each year and if you maintain a clean driving record it can go down significantly based on your insurance provider. Additionally, you may be able to save on upfront costs by finding buy now pay later car insurance, which means you wouldn’t need to put down a deposit.
How much is car insurance in North Dakota for a 25-year-old?
Once a driver reaches the age of 25, car insurance decreases significantly. Insurance for the state minimum is $608 on average. For high coverage, a 25-year-old driver can expect to pay around $1,745.
How much does liability cover in North Dakota for car insurance?
At a minimum, liability coverage is $25,000 for bodily injuries and property damage per person and per crash respectively. There is also liability coverage for $50,000 per crash, but this coverage can be increased. Get a liability auto insurance quote to see how much it would cost you.
How much is car insurance in North Dakota for a sports car?
The average cost of car insurance in North Dakota is around $650. Sports vehicles are considered high risk, which means that they are more expensive to insure than other vehicles. The amount it increases is based on the provider and driver though.
How much does car insurance cost in North Dakota for 16-year-old?
In general, car insurance for teen drivers is more expensive because they are viewed as riskier. In North Dakota, insurance costs for a 16-year-old driver is around $6,197, but it may be lower for female drivers.
How much do you save on car insurance with defensive driving in North Dakota?
Defensive driving savings are dependent on the insurance provider. You can save a minimum of $100 a year by taking a defensive driving course. Most courses do cost less than $100 to take.
How long does an auto insurance company have to settle a claim North Dakota?
An auto insurance company has different times to settle a claim in North Dakota. If you want to know the exact time frame for each type of claim, look at the North Dakota statute of limitations.
Why North Dakota auto insurance is so high?
North Dakota car insurance is one of the cheapest forms of insurance in the United States. Like coverage in many other states, insurance premiums are rising to match the increased cost of vehicle parts, medical costs and more.
What does insurance pay in North Dakota if a car is totaled?
If your vehicle is totaled, but you still owe more than its value, your insurance company will only pay the fair market value of the vehicle before it received damage in an auto accident.
How much does classic car insurance cost?
There are too many factors to list here but we did cover this in a more thorough article including classic gap insurance. You can also compare quotes with our form above.
Car Insurance Penalties for North Dakota
North Dakota comes with several penalties for those who aren’t insured. It can be difficult to recover from the setbacks that not having insurance causes, especially since the penalty can stay on your record for several years.
If someone hits your car and they have no insurance, what can the state of ND do to help?
If someone hits you and they have no insurance, you can sue in order to be properly compensated for the damage. You can also get uninsured motorist coverage, which covers you in situations where you’re hit by an uninsured driver.
What happens if you don't have car insurance in North Dakota?
If you are caught driving a vehicle in North Dakota and you do not have insurance, you will receive a ticket and pay a fine. In North Dakota, the penalty can cost anywhere between $150 – $5,000.
How long do car accidents stay on your insurance in North Dakota?
Accidents take three years from the issue date of the accident or ticket before they are removed from your insurance. Accidents and other things may raise your premiums during this period.
What happens to people who don't have car insurance in North Dakota?
People who do not have car insurance in North Dakota will receive a ticket if they are caught driving without insurance. If they are in an accident, their license may be revoked along with the penalty. Some visitors have also asked about getting cheap car insurance without drivers license.
What to do when car insurance lapse North Dakota?
If your car insurance lapses in North Dakota, you should contact your provider immediately. If it has only been a few days, the insurance provider may be able to reinstate your coverage without penalty. If the policy was cancelled, you will need to get a new provider or get new coverage from your previous one.
How many points require high risk car insurance in North Dakota?
The number of points does not determine whether you’re a high risk. High risk insurance companies can determine you’re a high risk even if you only have had one accident or if you just have a poor credit history.
What to do if in a car accident without insurance in North Dakota?
North Dakota is a no-fault state, which means that each driver must cover the costs of their accident with their own insurance. Driving without insurance still comes with high penalty costs and the requirement to pay for damages out of pocket.
How does 2 points on your license affect your North Dakota car insurance?
Points on a license don’t necessarily affect your insurance rate. Only if you’ve made certain violations, such as leaving the scene of an accident, speeding excessively or driving while intoxicated will your insurance premiums rise.
How long does speeding ticket affect car insurance in North Dakota?
A speeding ticket may not affect car insurance, depending on the severity. If you do receive a ticket for excessive speeding, the points may be on your record for 3 years and your premiums may go up throughout that time.
When would I need non owners sr22 insurance?
If you get a DUI then you may be required to carry SR22 insurance. If you’ll be driving cars other than your own then you may need non owners SR22 insurance to legally drive.
Top Cities in North Dakota
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