4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Valley City, ND (January 2022)

  • Personalized quotes in 5 minutes or less
  • No signup required
1 Insurance
Last Updated: January 2022

Car Insurance in Valley City, 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 Valley City, ND to find you the cheapest quotes in the area.
$23
$128
ProgressiveThe General

Cheapest Car Insurance in Valley City, ND

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$85
$79
$95
$77
$96
$76
North DakotaFargoBismarckGrand ForksMinotValley City
Click here to learn about car insurance quotes and save on your current policy.

Valley City, ND Driving Facts

north-dakota

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.

Insurify Insights: How Valley City Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Valley City, 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 Valley City 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 in Valley City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Valley City is the Chevrolet Malibu.

DUI/DWIs in Valley City

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

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

Speeding in Valley City

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

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

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.


Full starFull starFull starFull starFull star
3691 Reviews

Insurify is rated 4.8 out of 5 based on 3691 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!