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Cheap DUI Car Insurance in North Dakota (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in North Dakota (2022)

For drivers with a DUI or DWI offense in North Dakota, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in North Dakota. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in North Dakota.

CarrierAvg. Monthly Cost
American Family Insurance$151
The General$179

DUI Car Insurance Costs in North Dakota

In North Dakota, a DUI or DWI offense will on average have drivers paying $309 per month and $3,708 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 86% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$166
Avg. Monthly Cost - After DUI
$309
$143 ▴
86.14% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in North Dakota?

Regardless of what state you are in, a DUI violation will have a negative impact on your auto insurance rates. In North Dakota, having an incident on your driving record can result in an increase to an average rate of $309.18. This 86.25 percent hike in price is attributed to insurance companies assessing a higher risk rating to drivers with violations.

Normally, drivers with no DUI instances pay an average of $166. That means one violation can result in an additional $143.18 per month for coverage. With time—and if you maintain a clean driving record—most insurers will eventually lower your rates.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$166$30986.14%

What Are the Average Car Insurance Prices After a DUI in North Dakota?

North Dakota is currently ranked as the 39th most expensive state for car insurance if you have a DUI. Comparatively, they are five times less expensive than the costliest state on the list, Michigan. However, they are still $100 more expensive than Alaska, which ranks as the least expensive state on the list.

Drivers who live in North Dakota can expect to pay on average $309.18 for coverage if there is a DUI violation on their record. Depending on how many instances a driver has had within a short time frame, that price can be hundreds of dollars higher.

North Dakota After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$30939th

How Long Is the Lookback Period for a DUI in North Dakota?

DUI violations fall into the priorable offense category, which means that any DUI after the first will carry a stricter penalty than the prior instance. There are limitations to how long a DUI will stay on your record and count against you for sentencing and penalty purposes in North Dakota. This period of time is referred to as the lookback period.

For drivers in North Dakota, the length of the lookback period is dependent on how many DUIs are on the driving record. The first, second, and third violations have a period of seven years, while fourth and subsequent instances last for the driver's life.

North Dakota DUI Penalties

North Dakota is more forgiving than most other states when it comes to first-time DUI violations. While their penalties do carry weight behind, they are more focused on providing help to those with substance abuse problems. Drivers who receive their first DUI and had a .16 or below blood alcohol level can expect to have a $500 fine and a license suspension for 91 days.
Motorists who accumulate multiple DUI violations within the seven-year lookback period do face harsher penalties, some of which can result in fees as high as $2,000 and 366 days in jail. However, the state also makes addiction evaluation, participation in a 24/7 sobriety program, and supervised probation a part of the penalties as well.

Top Auto Insurance Companies

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FAQs - North Dakota Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county North Dakota. Insurify analyzed the latest data for the five most populous cities in North Dakota to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in North Dakota and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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