Cheap Car Insurance in North Dakota (With Quotes, May 2022)

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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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.

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.

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.

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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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.

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.

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

The minimum bodily injury liability insurance requirements in North Dakota are:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that North Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons.

Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in North Dakota are:

• $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of North Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

• $30,000 personal injury protection (PIP) per person per accident

North Dakota is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. North Dakota PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $30,000 for the minimum coverage requirements.

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 6.8 percent or just over one out of fifteen, North Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:

• $25,000 uninsured/underinsured motorist bodily injury per person
• $50,000 uninsured/underinsured motorist bodily injury per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

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.

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.