Cheap Car Insurance Companies In North Dakota

The average semiannual cost of car insurance in the state of North Dakota is $773.21. An insured premiums are influenced by more variables than purely their place of residence. Car insurance underwriters calculate auto insurance rates after assessing a range of criteria such as the policyholder’s age, driving record, marital status, and credit rating. We examined typical car insurance costs in North Dakota across each of the predominant rating factors. We aim to provide consumers insight to identify a car insurance policy that meets their needs and budget.

*Data Methodology – Updated 3/1/2024

The North Dakota car insurance rates are based on a 35-year-old male with the most popular car (Honda Accord) living in ND. The Quote is for full coverage with comprehensive at $500 deductible and collision at $500 deductible.

North Dakota Minimum Liability Coverage

North Dakota has minimum liability insurance requirements to ensure motorists are sufficiently covered in the event of an accident. All motor vehicles operated or registered in North Dakota must be insured with the following minimum coverage:

• Bodily Injury Liability: $25,000 per person with a maximum of $50,000 per accident. This covers injuries and losses sustained by other parties in an accident that you cause.
• Property Damage Liability: $25,000. This covers damage to other vehicles and property that you cause in an accident.
• Personal Injury Protection (PIP): $30,000. This no-fault coverage pays for medical expenses, rehabilitation costs, and some lost wages for you and your passengers, regardless of who causes the accident.
• Uninsured/Underinsured Motorist Coverage: $25,000 per person up to $50,000 per accident for bodily injury and $25,000 for property damage. This coverage protects you if you are involved in an accident with an uninsured or underinsured motorist.

Penalties for Driving Without Insurance in North Dakota

Driving without insurance is illegal in North Dakota and penalties for uninsured driving are severe. If caught driving without valid auto insurance, you may face fines, license suspension, and even jail time.

Fines: The minimum fine for a first offense of driving without insurance in North Dakota is $250. For subsequent offenses within three years, the minimum fine increases to $500. There is no maximum fine amount specified in state law. Judges have discretion to determine fines based on the specifics of each case.

License Suspension: For a first offense of driving without insurance, your driver’s license will be suspended for 30 days. For a second offense within three years, the minimum license suspension increases to 90 days. For third and subsequent offenses within three years, the minimum suspension is one year.

Jail Time: While uncommon, judges do have the option to sentence uninsured drivers to jail time. For a first offense, the maximum possible jail sentence is 30 days. For subsequent offenses, the maximum possible jail sentence increases to one year. Again, jail time is at the judge’s discretion based on the specifics of each case.

Auto Insurance Rates in North Dakota

Auto insurance rates in North Dakota are among the lowest in the nation. North Dakota is considered a low-risk state for auto insurance due to several factors.

One factor is the state’s rural nature and lower population density compared to most other states. There are fewer drivers on the road, which means less traffic and fewer accidents. Data shows North Dakota consistently has one of the lowest traffic fatality rates in the U.S.

Another factor is North Dakota’s cold climate. Snowy and icy conditions during the winter months mean drivers tend to drive slower and more cautiously. This also leads to fewer accidents and claims filed with insurance companies.

North Dakota’s legislative policies also help keep auto insurance rates low. The state does not require drivers to purchase personal injury protection or uninsured/underinsured motorist coverage. Many states mandate these coverages, which increases premium costs.

Additionally, North Dakota has a no-fault auto insurance system. This means that in the event of an accident, claims are filed with your own insurance company, not the at-fault driver’s insurance. While no-fault systems are criticized by some, they are often credited with reducing insurance costs through lower litigation rates.

Low Cost Car Insurance Programs and Discounts in North Dakota

Car insurance rates vary by state. North Dakota is known for having some of the lowest average auto insurance rates in the country. Several factors contribute to lower rates in the state, including fewer miles driven per year and fewer accidents per capita compared to the national average. However, car insurance is still required in North Dakota, and there are ways to find affordable coverage.

Many insurance companies offer low-income auto insurance programs for lower-income individuals. These programs provide minimum liability coverage at reduced rates. To qualify, you typically need to meet certain income requirements. Some insurers also offer pay-as-you-go insurance plans where you pay for coverage in installments instead of one lump sum upfront.

In addition, most insurers provide various discounts that can lower your rates. The most common discounts include:

• Multi-policy discounts – Bundling home and auto insurance policies with the same insurer.
• Good student discounts – For students under 25 with a B average or higher.
• Defensive driving course completion – For completing a state-approved driving safety course.
• Anti-theft devices – For having installed devices like LoJack, immobilizers, or tracking systems.
• Multi-vehicle discounts – For insuring more than one vehicle with the same insurer.

North Dakota Car Insurance Statistics

North Dakota has some unique statistics when it comes to car insurance. Here are some key facts:

• North Dakota has the second lowest car insurance premiums in the country at an average of $660 per year. This is nearly half the national average premium of $1,283.
• The state has a lower rate of uninsured motorists at 4.7% compared to the national average of 8.7%. This is likely due to the relatively low cost of insurance in the state.
• North Dakota has one of the lowest rates of accident fatalities in the nation at 6.5 fatalities per 100,000 people compared to the national average of 11. The state also has a lower rate of overall car crash injuries.
• Compared to other states, North Dakotans file relatively few insurance claims for collision damage and comprehensive coverage. This helps keep premium costs low.
• Many insurance companies offer good discounts in North Dakota due to the favorable driving conditions and lower risk. Discounts for good students, multi-vehicle policies, and anti-theft devices are common.

The 10 Largest North Dakota Car Insurance Companies

North Dakota drivers have many insurance options available to them. Here are the 10 largest car insurance companies in the state based on vehicle insurance premiums written:

1. State Farm – State Farm insures more vehicles than any other company in North Dakota, with over $212 million in car insurance premiums written.
2. Farmers Insurance – Farmers wrote over $108 million in car insurance premiums in North Dakota, making it the second largest insurer.
3. Nationwide – Nationwide collected over $101 million in car insurance premiums in North Dakota.
4. Progressive – Progressive ranked fourth with over $91 million in car insurance premiums written for North Dakota drivers.
5. American Family Insurance – American Family wrote over $68 million in premiums, ranking it as the fifth largest insurer.
6. Allstate – Allstate collected over $50 million in premiums from North Dakota drivers, making it the sixth largest car insurance company.\
7. Liberty Mutual – Liberty Mutual wrote over $43 million in car insurance premiums in North Dakota, earning it the seventh spot.
8. Auto-Owners Insurance – Auto-Owners collected over $41 million in car insurance premiums, ranking it eighth.
9. Travelers – Travelers wrote over $33 million in car insurance premiums in North Dakota.
10. MetLife – MetLife rounded out the top 10 with over $30 million in car insurance premiums written in North Dakota.