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Cheap Auto Insurance Quotes in Minot, ND (May 2022)
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4.8out of 3,000+ reviews
Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
Insurance Provider in Minot | Quotes |
---|---|
Progressive | $49 /mo |
Allstate | $53 /mo |
State Farm | $76 /mo |
The General | $140 /mo |
American Family | $161 /mo |
North Dakota Cities | |
---|---|
Fargo | $79/mo |
Bismarck | $95/mo |
Grand Forks | $77/mo |
West Fargo | $88/mo |
Minot | $96/mo |
North Dakota | $87/mo |
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:
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:
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.
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:
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.
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.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Minot, North Dakota below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Minot drivers measure up to their fellow motorists across North Dakota in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Minot
City with the Most Speeding Tickets Rank in North Dakota
City with the Most Moving Violations Rank in North Dakota
City with the Most DUIs Rank in North Dakota
City with the Most Suspended Licenses in North Dakota
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Minot is the Ford F-Series Pickup.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minot drivers rank 3 in the number of DUI’s per driver across all cities in North Dakota.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Minot drivers rank 2 in the number of speeding infractions per driver.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.