Cheap Auto Insurance Quotes in Dickinson, ND (2021)

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Car Insurance in Dickinson, ND

The average cost of North Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Dickinson, ND to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
ProgressiveState FarmThe General
Monthly $

Cheapest Car Insurance in Dickinson, ND

Here are the cheapest carriers in Dickinson for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
North DakotaFargoBismarckGrand ForksMinotDickinson
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Dickinson, ND Driving Facts


Minimum Car Insurance Requirements in ND

The state of North Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. It accepts both written and electronic documentation.

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.

Find local Dickinson agents

Gate City Insurance Agency 
204 Sims Street, Dickinson, ND 58602
American Insurance Center 
220 1st Ave. W, Dickinson, ND 58601
American Insurance 
38 1St St W, Dickinson, ND 58601-5106
Scott Karsky - State Farm Insurance Agent
1091 3rd Ave W, Dickinson, ND 58601
Dakota Community Insurance
14 3rd Ave W, Dickinson, ND 58601
Todd Otto - State Farm Insurance Agent
128 1st St W, Dickinson, ND 58601
Price Agency Inc.
683 State Ave # D, Dickinson, ND 58601
Nodak Insurance Company - Clare Messmer
2717 3rd Ave W, Dickinson, ND 58601
Farmers Insurance - David Dolechek
112 3rd St W Ste 201, Dickinson, ND 58601
Michael Fischer American Family Insurance
1425 W Villard St, Dickinson, ND 58601

Insurify Insights: How Dickinson Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Dickinson, ND
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Dickinson drivers measure up to their fellow North Dakota motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle Dickinson

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Dickinson is the Ford F-Series Pickup.

DUI/DWIs Dickinson

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Dickinson drivers rank -- in the number of DUI’s per driver across all cities in North Dakota.

  • Rank within state: #--
  • Percent of drivers in Dickinson with a DUI: %
  • Drivers in Dickinson, ND with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Dickinson

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Dickinson drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Dickinson with a speeding ticket: %
  • Drivers in Dickinson, ND with a speeding ticket in their driving history paid on average % more than drivers with a clean record

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.