Cheap Car Insurance in North Dakota (2022)

Car Insurance in North Dakota

North Dakota should be on your bucket list for places to visit. It’s affordable and safe, with plenty of fun destinations like the Enchanted Highway. As you’re traveling to and through the state, it’s important to be safe, and one important way to travel safely and smartly is to have the best (and cheapest) car insurance–find the right car insurance for you today, by comparing quotes with Insurify.

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Cheapest Car Insurance in North Dakota

Safety is important, but not everyone can afford to break the bank with their auto insurance policy. We’ve found the six cheapest North Dakota car insurance companies for those wanting an economical option. Find the average monthly quotes for each company, ranked lowest to highest, below.

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Cheapest Liability Auto Insurance in North Dakota

If you are at fault in an accident, liability auto insurance helps cover the other person’s injuries and property damage. Liability insurance is the minimum coverage required by the state of North Dakota and is typically broken into two categories: bodily injury liability and property damage liability.

Cheapest Full-Coverage Auto Insurance in North Dakota

As you’ve been perusing the world of auto insurance, you’ve probably heard the term “full coverage,” and you may have wondered what it means. Full-coverage car insurance is a combination of collision coverage and comprehensive coverage, which covers vehicle damage, with liability coverage, which we discussed above.

Since a full-coverage policy provides more robust coverage, it is often pricier than just getting minimum liability insurance. It’s essential to explore all your options when searching for the best rates, so we’ve compiled the cheapest full-coverage car insurance options ranked from least to most expensive.

Best Car Insurance in North Dakota

We know how important finding affordable car insurance is, but it’s also important to buy a policy from a provider that covers its bases and provides quality service. We’ve ranked the best car insurance companies in North Dakota, based on ICS (Insurify Composite Score) in the table below. The companies are listed from highest to lowest ICS.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

North Dakota Car Insurance Rates by Driving and Accident History

Your driving record can cost you more when it comes to your auto insurance rates. That fender bender you had last week and the speeding ticket from last year make your auto insurance more expensive. Any violations hike up your rates. Keep reading to find the average rates for the cheapest options for drivers with various violations, or no violations at all.

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Cheap Car Insurance for Good Drivers in North Dakota

We’ve definitely all been in the car with a bad driver (you may have been the one driving), but what does it mean to be a good driver? To be a good driver, you must have zero accidents or violations in the last three to five years. For those with a squeaky clean record, it pays to drive safe. Check out your cheapest car insurance options below.

Cheap Car Insurance for Drivers with DUI in North Dakota

A DUI on your driving record can seriously impact your car insurance, raising it by up to 40 percent. Insurance companies may even cancel your insurance once a DUI is recorded on your driving record, and you may not be able to find an insurance company willing to insure you since a DUI marks you as a “high-risk driver.”

DUIs can stay on your record for two to five years or even longer, meaning your insurance rates could stay high long after the violation. If you have a DUI, it may be difficult to secure auto insurance, but there are still auto insurance companies that offer cheaper options.

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SR-22 Insurance in North Dakota

An SR-22 is a form your insurance company has to file with the state that proves financial responsibility for at least one year if you have committed certain violations, such as driving under the influence. Not every state requires an SR-22, but North Dakota does. The proof required may be liability insurance, a cash deposit that equals the amount of damages if an accident was involved, or a cash bond of $25,000. Not every insurance company offers SR-22s, but we’ve listed the ones in North Dakota that do.

Cheap Car Insurance for Drivers with an At-Fault Accident in North Dakota

In most cases, and with most insurers, an at-fault accident will increase your car insurance rates. Some insurance companies increase their rates more than 50 percent for those with at-fault accidents on their driving record. For those with at-fault car accidents, see the most inexpensive options in North Dakota below.

Cheap Car Insurance for Drivers with Speeding Tickets in North Dakota

Not just extremely dangerous, speeding will raise your insurance rates. Speeding violations increase the amount you’ll pay monthly for car insurance; and often, the more speeding tickets you receive, the more your monthly rate will rise. If you have a speeding ticket (or tickets), we’ve got the cheapest quotes for you.

North Dakota Car Insurance Rates by Credit Tier

Your credit score isn’t just important when you are buying a home. How good (or bad) your credit score is can greatly impact how much you have to pay for good auto insurance coverage. There are four categories when it comes to your credit score: excellent, good, average, and poor credit. See the average monthly quote for each of these categories below.

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North Dakota Car Insurance Rates by Driver Age

Age is just a number, but for some things—like your car insurance—it can be more, like a determining factor in your insurance rates. Younger people are often riskier and more inexperienced drivers, resulting in expensive car insurance rates. Similarly, senior drivers are more prone to injury and accidents and often pay more for insurance.

Car Insurance Rates in North Dakota Cities

The city you live in affects your car insurance rates. For example, larger cities tend to have more accidents, making average car insurance rates higher. Other factors that can affect how much you pay are higher costs of living and expensive vehicle repair rates. Based on major cities in North Dakota, see the cheapest options for car insurance.

North Dakota Driving Facts

Every state has minimum insurance requirements, and North Dakota is no exception. Additionally, all drivers in North Dakota will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in North Dakota.

Minimum Car Insurance Requirements in North Dakota

All motor vehicles operated or parked on North Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Dakota^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Dakota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $30,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Dakota, this coverage pays for bodily injury only.

North Dakota DMV Information

The North Dakota DMV offers many services. Typically, what you can do at a DMV is register your vehicle, apply for and receive driver’s licenses and ID cards, and access driving records. You can apply for a permit, driver’s license, motorcycle license, and commercial driver’s license at the DMV. This process typically involves training/education, testing, and the paying of fees.

There are many services offered online through the North Dakota DMV, so make sure to check out their website before heading there in person.

Public Transportation in North Dakota

All counties in North Dakota have transit options three to five days a week. There are three major providers for public transit to major cities—Jefferson Lines, Souris Basin Transportation, and Standing Rock Public Transit. These options are also great ways to get to more rural areas of the state.

There are local bus transportation options in most counties and cities as well as longer bus transit services. You can also travel further distances using the available railway transportation options like Amtrak.

How to Get the Cheapest Car Insurance in North Dakota

Now that you know just how many things affect your car insurance rates, you probably know that there are some fundamental habits that can keep your insurance cheap. Drive safe and smart to avoid adding violations to your driving record, and be aware of factors like age and location that can affect your rates. But some things, like your age, are out of your control.

The best advice we have to give for finding the cheapest car insurance in North Dakota is to do your research. Luckily, you don’t have to do all the research: Insurify finds the cheapest car insurance in under two minutes and helps you compare quotes from top insurance companies. It’s quick and completely free. Find the cheapest car insurance from insurance providers now.

Frequently Asked Questions: Cheap Car Insurance in North Dakota