Why Compare Car Insurance Rates in North Dakota:
North Dakota residents pay less for car insurance than the average driver in the United States. While the national average for auto insurance is $1329 per year, North Dakota drivers pay only $1188 on average.
However, just because you live in North Dakota does not guarantee a low rate. Those who qualify for USAA auto insurance could save a lot of money, paying an average of $669 per year. However, USAA coverage is restricted to current or former military personnel and their families. American Family Insurance offers the second-cheapest auto insurance coverage at $864 per year, 36% less than the average state rate.
These rates were compiled using data from an internal Way.com study for comparison purposes. We compare rates from the nation's largest auto insurance companies, and actual insurance rates vary.
All states require you to buy such insurance coverage before you can register your car. According to the North Dakota Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
| Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
| Property Damage Liability | $25000 |
| Uninsured Motorist | $25000 bodily injury per person $50000 bodily injury per accident |
| Company | Annual Premium |
|---|---|
| Nodak Mutual | $235 |
| American Family | $309 |
| Nationwide | $325 |
| Grinnell Mutual | $353 |
| Progressive | $397 |
| Farmers | $426 |
| State Farm | $522 |
| Auto-Owners Insurance Co | $618 |
| USAA | $670 |
| Allstate | $1,166 |
| Allied | $1,463 |
| MetLife | $1,637 |
| QBE Insurance | $2,179 |
The best insurance is not necessarily the cheapest insurance. You may want more than the minimum insurance required by the state, depending on what you can afford. Collision insurance, for example, covers damage to your car, and comprehensive coverage covers your car for burglary, fire, blizzards, natural disasters, and animal accidents, such as deer or moss.
State insurance guidelines had already been laid down several years ago. Consumer and insurance advocates say that it is better to have a 100/300 exposure policy-a policy that pays $100,000 per injury and $300,000 per accident.
Despite being one of the least populous states, North Dakota car insurance laws protect all drivers who live or travel in the Peace Garden State. Understanding some of North Dakota's most important car insurance laws is beneficial when deciding on your auto insurance policy or switching car insurance companies.
North Dakota has several car insurance laws worth paying close attention to. Almost every state requires drivers to have at least basic liability insurance, and drivers in North Dakota must have minimum liability and other insurance coverage.
This includes the following:
Personal injury protection pays for medical expenses incurred by you and your passengers in the event of an accident. This coverage is available regardless of who is at fault, and PIP will pay for medical bills, rehabilitation costs, and even lost wages due to an accident. In North Dakota, your policy must include a minimum of $30,000 in PIP coverage per person, but most companies offer higher coverage amounts.
Like most states, North Dakota has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
To be lawful in North Dakota, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.
All drivers in North Dakota are required by law to have car insurance.
This insurance is not only for your safety but also for the safety of others on the road. In addition, the state requires you to carry proof of insurance, which must be shown to law enforcement officials upon request.
Driving without car insurance is a serious offense in North Dakota. If you are caught driving without insurance in North Dakota, you will face the following penalties:
First offense:
Subsequent infractions (within one year):
Carrying adequate car insurance is not only a legal requirement, but it is also a prudent way to protect yourself and your assets. North Dakota requires more types of car insurance coverage than many other states. Still, it's always a good idea to look into additional coverage options to ensure your safety. If the cost of these extra coverages concerns you, it may be time to start looking for a new policy.
Way.com can assist you in comparing free car insurance quotes from a variety of top carriers to help you find the best coverage at the lowest rates.
| Company | Annual Premium |
|---|---|
| American Family | $625 |
| Nationwide | $701 |
| Nodak Mutual | $759 |
| Farmers | $921 |
| Progressive | $961 |
| Grinnell Mutual | $1,072 |
| State Farm | $1,506 |
| Auto-Owners Insurance Co | $1,836 |
| Allstate | $1,890 |
Being a law-abiding driver can significantly impact how much you pay for car insurance. If USAA covers a good driver, they may pay 44% less than North Dakota's average auto insurance rate. QBE offers good drivers the most expensive car insurance, charging approximately 34% more than the state average.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $666.66 |
| American Family Insurance | $874.00 |
| Nationwide | $1,018.41 |
| State Farm | $1,080.44 |
| Progressive | $1,172.27 |
| Statewide Average | $1,188.30 |
| Farmers Insurance | $1,318.53 |
| Allstate | $1,713.05 |
| QBE Insurance | $1,783.80 |
What a difference eight years can make in auto insurance premiums! In North Dakota, young adult women pay 200% less than teen girls for car insurance, while young adult men pay nearly 219% less. The most expensive car insurance rate for this demographic is from AllState, while the least expensive is from Nationwide Insurance, with State Farm coming in second.
| Company | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
|---|---|---|
| Allstate | $3,963 | $4,544 |
| Nationwide | $1,986 | $2,442 |
| Farmers | $4,577 | $4,801 |
| State Farm | $2,027 | $2,564 |
| Progressive | $6,061 | $6,638 |
| Auto-Owners Insurance Co | $2,041 | $2,728 |
Leave a little earlier next time: being caught driving too fast can significantly raise your auto insurance rates. If you have State Farm as your insurer, you could pay 19% more than a driver with a clean record, while QBE coverage could increase by nearly 27 percent after a speeding ticket.
| Company | Annual Premium |
|---|---|
| State Farm | $731 |
| American Family | $733 |
| USAA | $804 |
| Nationwide | $813 |
| Nodak Mutual | $897 |
| Auto-Owners Insurance Co | $1,031 |
| American Family Insurance | $1,035 |
| Allstate | $1,063 |
| Grinnell Mutual | $1,101 |
| Farmers | $1,172 |
| Progressive | $1,174 |
| MetLife | $1,721 |
| Allied | $1,858 |
| AAA | $1,985 |
| QBE Insurance | $2,266 |
Compared to the average rate for drivers with clean records, the most expensive car insurance company, MetLife, could raise your rates by 110% after you report an accident. However, the lowest-cost insurer, American Family, charges a post-accident rate nearly 23% lower than the state average for all drivers involved in an accident.
| Company | Annual Premium |
|---|---|
| American Family | $615 |
| Nationwide | $691 |
| State Farm | $770 |
| USAA | $920.59 |
| Nodak Mutual | $976 |
| Grinnell Mutual | $1,091 |
| Allied | $1,177 |
| Auto-Owners Insurance Co | $1,157 |
| Allstate | $1,201 |
| Farmers | $1,274 |
| Progressive | $1,425 |
| AAA | $1,970 |
| QBE Insurance | $2,482 |
| MetLife | $3,032 |
Drunk driving is a major public health and safety concern, and it also hurts your auto insurance premiums. Compared to the state car insurance costs for a driver with a clean record, MetLife will raise your rate by 189 percent on average after a DUI.
American Family Insurance has the lowest post-DUI rate for North Dakota drivers, charging about 16% more than the state average.
| Company | Annual Premium |
|---|---|
| American Family | $625 |
| Nationwide | $701 |
| State Farm | $780 |
| USAA | $930 |
| Nodak Mutual | $986 |
| Grinnell Mutual | $1,101 |
| Allied | $1,187 |
| Auto-Owners Insurance Co | $1,167 |
| Allstate | $1,211 |
| Farmers | $1,284 |
| Progressive | $1,435 |
| AAA | $1,980 |
| QBE Insurance | $2,502 |
| MetLife | $3,042 |
When compared to unmarried drivers, married drivers typically pay slightly lower car insurance premiums. According to our research, married drivers pay $64 less on average for a full coverage auto insurance policy. State Farm, Progressive have the lowest rates for married drivers.
| Company | Annual Rate |
|---|---|
| State Farm | $1,061 |
| Progressive | $1,193 |
| Auto-Owners | $1,829 |
| American Family | $1,841 |
| Grinnell | $1,925 |
| Nodak | $2,741 |
Grinnell is the most affordable option for young drivers with an accident history, costing $1071 per year, or 37% less than the state average. Accidents can raise your annual premiums, especially damaging for young drivers who already face high rates.
| Company | Annual rate |
|---|---|
| Grinnell | $1071 |
| State Farm | $1314 |
| Nodak | $1575 |
| Auto-Owners | $1608 |
| American Family | $1638 |
Fargo has the lowest rates in North Dakota for a full coverage policy, with an average annual rate of $1416. Residents of Fort Yates, on the other hand, will receive an average premium of $1911 - a $492 difference.
The cost of an insurance policy in North Dakota varies according to the city in which the driver lives. Cities with a higher population density or a higher rate of accidents or theft will typically have higher coverage costs.
The location of your home can have a significant impact on the cost of your North Dakota car insurance, and this is because rating factors such as the frequency of car accidents vary from city to city.
Here's what you can expect to pay in your area.
| City | Annual Rate |
|---|---|
| Abercrombie | $1,565 |
| Absaraka | $1,601 |
| Adams | $1,757 |
| Agate | $1,745 |
| Alamo | $1,841 |
| Alexander | $1,829 |
| Almont | $1,865 |
| Alsen | $1,733 |
| Ambrose | $1,817 |
| Amenia | $1,553 |
| Amidon | $1,817 |
| Anamoose | $1,817 |
| Aneta | $1,685 |
| Antler | $1,805 |
| Argusville | $1,541 |
| Arnegard | $1,853 |
| Arthur | $1,541 |
| Arvilla | $1,637 |
| Ashley | $1,685 |
| Ayr | $1,565 |
| Baldwin | $1,697 |
| Balfour | $1,793 |
| Balta | $1,793 |
| Bantry | $1,793 |
| Barney | $1,577 |
| Bathgate | $1,745 |
| Beach | $1,793 |
| Belcourt | $1,793 |
| Belfield | $1,793 |
| Benedict | $1,793 |
| Berlin | $1,673 |
| Berthold | $1,865 |
| Beulah | $1,793 |
| Binford | $1,661 |
| Bisbee | $1,757 |
| Bismarck | $1,637 |
| Blanchard | $1,637 |
| Bottineau | $1,781 |
| Bowbells | $1,853 |
| Bowdon | $1,793 |
| Bowman | $1,817 |
| Braddock | $1,757 |
| Brocket | $1,745 |
| Buchanan | $1,637 |
| Buffalo | $1,565 |
| Burlington | $1,769 |
| Butte | $1,793 |
| Buxton | $1,637 |
| Caledonia | $1,637 |
| Calvin | $1,721 |
| Cando | $1,757 |
| Cannon Ball | $1,889 |
| Carpio | $1,865 |
| Carrington | $1,733 |
| Carson | $1,877 |
| Cartwright | $1,865 |
| Casselton | $1,493 |
| Cathay | $1,769 |
| Cavalier | $1,733 |
| Cayuga | $1,577 |
| Center | $1,841 |
| Chaseley | $1,781 |
| Christine | $1,565 |
| Churchs Ferry | $1,745 |
| Cleveland | $1,601 |
| Clifford | $1,637 |
| Cogswell | $1,577 |
| Coleharbor | $1,745 |
| Colfax | $1,577 |
| Columbus | $1,841 |
| Cooperstown | $1,661 |
| Courtenay | $1,613 |
| Crary | $1,757 |
| Crosby | $1,841 |
| Crystal | $1,745 |
| Cummings | $1,649 |
| Dahlen | $1,757 |
| Davenport | $1,553 |
| Dawson | $1,745 |
| Dazey | $1,613 |
| Deering | $1,805 |
| Denhoff | $1,805 |
| Des Lacs | $1,853 |
| Devils Lake | $1,721 |
| Dickey | $1,685 |
| Dickinson | $1,649 |
| Dodge | $1,829 |
| Donnybrook | $1,841 |
| Douglas | $1,817 |
| Drake | $1,805 |
| Drayton | $1,745 |
| Driscoll | $1,685 |
| Dunn Center | $1,841 |
| Dunseith | $1,793 |
| Edgeley | $1,673 |
| Edinburg | $1,745 |
| Edmore | $1,733 |
| Egeland | $1,757 |
| Elgin | $1,877 |
| Ellendale | $1,685 |
| Emerado | $1,601 |
| Enderlin | $1,577 |
| Epping | $1,829 |
| Erie | $1,565 |
| Esmond | $1,793 |
| Fairdale | $1,757 |
| Fairfield | $1,793 |
| Fairmount | $1,577 |
| Fargo | $1,409 |
| Fessenden | $1,769 |
| Fingal | $1,565 |
| Finley | $1,613 |
| Flasher | $1,841 |
| Flaxton | $1,841 |
| Forbes | $1,673 |
| Fordville | $1,709 |
| Forest River | $1,757 |
| Forman | $1,589 |
| Fort Ransom | $1,577 |
| Fort Totten | $1,793 |
| Fort Yates | $1,901 |
| Fortuna | $1,817 |
| Fredonia | $1,697 |
| Fullerton | $1,661 |
| Gackle | $1,697 |
| Galesburg | $1,625 |
| Gardner | $1,553 |
| Garrison | $1,793 |
| Gilby | $1,637 |
| Gladstone | $1,817 |
| Glasston | $1,733 |
| Glen Ullin | $1,829 |
| Glenburn | $1,829 |
| Glenfield | $1,745 |
| Golden Valley | $1,817 |
| Golva | $1,793 |
| Goodrich | $1,805 |
| Grace City | $1,757 |
| Grafton | $1,769 |
| Grand Forks | $1,541 |
| Grand Forks AFB | $1,541 |
| Grandin | $1,577 |
| Granville | $1,817 |
| Grassy Butte | $1,853 |
| Grenora | $1,841 |
| Gwinner | $1,577 |
| Hague | $1,757 |
| Halliday | $1,829 |
| Hamilton | $1,745 |
| Hampden | $1,745 |
| Hankinson | $1,577 |
| Hannaford | $1,673 |
| Hannah | $1,721 |
| Hansboro | $1,769 |
| Harvey | $1,829 |
| Harwood | $1,493 |
| Hatton | $1,649 |
| Havana | $1,577 |
| Hazelton | $1,733 |
| Hazen | $1,805 |
| Hebron | $1,865 |
| Hensel | $1,733 |
| Hettinger | $1,841 |
| Hillsboro | $1,649 |
| Hoople | $1,757 |
| Hope | $1,601 |
| Horace | $1,469 |
| Hunter | $1,541 |
| Hurdsfield | $1,769 |
| Inkster | $1,661 |
| Jamestown | $1,541 |
| Jessie | $1,709 |
| Jud | $1,661 |
| Karlsruhe | $1,805 |
| Kathryn | $1,601 |
| Keene | $1,841 |
| Kenmare | $1,877 |
| Kensal | $1,649 |
| Killdeer | $1,829 |
| Kindred | $1,541 |
| Kintyre | $1,769 |
| Knox | $1,793 |
| Kramer | $1,781 |
| Kulm | $1,673 |
| Lakota | $1,781 |
| LaMoure | $1,685 |
| Langdon | $1,733 |
| Lankin | $1,757 |
| Lansford | $1,805 |
| Larimore | $1,697 |
| Lawton | $1,745 |
| Leeds | $1,757 |
| Lefor | $1,793 |
| Lehr | $1,685 |
| Leonard | $1,553 |
| Lidgerwood | $1,589 |
| Lignite | $1,841 |
| Lincoln | $1,697 |
| Linton | $1,757 |
| Lisbon | $1,577 |
| Litchville | $1,661 |
| Luverne | $1,589 |
| Maddock | $1,769 |
| Maida | $1,733 |
| Makoti | $1,853 |
| Mandan | $1,697 |
| Mandaree | $1,841 |
| Manning | $1,829 |
| Mantador | $1,589 |
| Manvel | $1,625 |
| Mapleton | $1,493 |
| Marion | $1,673 |
| Marmarth | $1,853 |
| Marshall | $1,793 |
| Martin | $1,805 |
| Max | $1,805 |
| Maxbass | $1,817 |
| Mayville | $1,625 |
| McClusky | $1,817 |
| Mcgregor | $1,817 |
| McHenry | $1,733 |
| Mcleod | $1,577 |
| McVille | $1,769 |
| Medina | $1,613 |
| Medora | $1,769 |
| Mekinock | $1,589 |
| Menoken | $1,673 |
| Mercer | $1,745 |
| Michigan | $1,769 |
| Milnor | $1,577 |
| Milton | $1,733 |
| Minnewaukan | $1,769 |
| Minot | $1,697 |
| Minot AFB | $1,673 |
| Minto | $1,745 |
| Moffit | $1,685 |
| Mohall | $1,853 |
| Montpelier | $1,601 |
| Mooreton | $1,577 |
| Mott | $1,829 |
| Mountain | $1,733 |
| Munich | $1,733 |
| Mylo | $1,769 |
| Napoleon | $1,709 |
| Neche | $1,745 |
| Nekoma | $1,733 |
| New England | $1,817 |
| New Leipzig | $1,853 |
| New Rockford | $1,745 |
| New Salem | $1,829 |
| New Town | $1,877 |
| Newburg | $1,805 |
| Niagara | $1,709 |
| Nome | $1,601 |
| Noonan | $1,829 |
| Northwood | $1,661 |
| Norwich | $1,793 |
| Oakes | $1,649 |
| Oberon | $1,769 |
| Oriska | $1,589 |
| Osnabrock | $1,733 |
| Page | $1,577 |
| Palermo | $1,853 |
| Park River | $1,745 |
| Parshall | $1,865 |
| Pekin | $1,757 |
| Pembina | $1,757 |
| Penn | $1,745 |
| Perth | $1,769 |
| Petersburg | $1,769 |
| Pettibone | $1,757 |
| Pillsbury | $1,637 |
| Pingree | $1,637 |
| Pisek | $1,769 |
| Plaza | $1,865 |
| Portal | $1,853 |
| Portland | $1,649 |
| Powers Lake | $1,829 |
| Raleigh | $1,853 |
| Ray | $1,853 |
| Reeder | $1,829 |
| Regan | $1,697 |
| Regent | $1,829 |
| Reynolds | $1,625 |
| Rhame | $1,829 |
| Richardton | $1,793 |
| Riverdale | $1,745 |
| Robinson | $1,757 |
| Rocklake | $1,769 |
| Rogers | $1,601 |
| Rolette | $1,781 |
| Rolla | $1,781 |
| Roseglen | $1,829 |
| Ross | $1,841 |
| Rugby | $1,805 |
| Ruso | $1,805 |
| Rutland | $1,577 |
| Ryder | $1,877 |
| Saint Anthony | $1,877 |
| Saint John | $1,781 |
| Saint Michael | $1,781 |
| Sanborn | $1,589 |
| Sarles | $1,745 |
| Sawyer | $1,841 |
| Scranton | $1,817 |
| Selfridge | $1,901 |
| Sentinel Butte | $1,793 |
| Sharon | $1,613 |
| Sheldon | $1,589 |
| Shell Valley | $1,793 |
| Sherwood | $1,865 |
| Sheyenne | $1,745 |
| Shields | $1,877 |
| Solen | $1,877 |
| Souris | $1,769 |
| South Heart | $1,769 |
| Spiritwood | $1,601 |
| St. Thomas | $1,745 |
| Stanley | $1,841 |
| Stanton | $1,793 |
| Starkweather | $1,745 |
| Steele | $1,745 |
| Sterling | $1,697 |
| Stirum | $1,589 |
| Strasburg | $1,769 |
| Streeter | $1,613 |
| Surrey | $1,769 |
| Sutton | $1,709 |
| Sykeston | $1,769 |
| Tappen | $1,745 |
| Taylor | $1,829 |
| Thompson | $1,637 |
| Tioga | $1,817 |
| Tokio | $1,769 |
| Tolley | $1,841 |
| Tolna | $1,769 |
| Tower City | $1,565 |
| Towner | $1,805 |
| Trenton | $1,793 |
| Turtle Lake | $1,769 |
| Tuttle | $1,745 |
| Underwood | $1,733 |
| Upham | $1,805 |
| Valley City | $1,589 |
| Velva | $1,793 |
| Verona | $1,661 |
| Voltaire | $1,817 |
| Wahpeton | $1,565 |
| Walcott | $1,577 |
| Wales | $1,733 |
| Walhalla | $1,757 |
| Warwick | $1,781 |
| Washburn | $1,745 |
| Watford City | $1,853 |
| Webster | $1,745 |
| West Fargo | $1,421 |
| Westhope | $1,793 |
| Wheatland | $1,553 |
| White Earth | $1,841 |
| Wildrose | $1,841 |
| Williston | $1,757 |
| Willow City | $1,769 |
| Wilton | $1,745 |
| Wimbledon | $1,601 |
| Wing | $1,709 |
| Wishek | $1,697 |
| Wolford | $1,793 |
| Woodworth | $1,637 |
| Wyndmere | $1,577 |
| York | $1,793 |
| Ypsilanti | $1,601 |
| Zahl | $1,841 |
| Zap | $1,817 |
| Zeeland | $1,697 |
| Company | Annual Premium |
|---|---|
| American Family | $962 |
| Nationwide | $981 |
| Allstate | $1,382 |
| Farmers | $1,402 |
| State Farm | $1,575 |
| Progressive | $1,712 |
| Nodak Mutual | $1,723 |
| Grinnell Mutual | $1,925 |
| Auto-Owners Insurance Co | $2,634 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,565 | 1% | $10 |
| One Med/PIP claim | $1,585 | 2% | $29 |
| Not-at-fault accident | $1,618 | 4% | $63 |
| One comp claim | $1,640 | 6% | $85 |
| Two Med/PIP claims | $1,653 | 7% | $97 |
| Failure to show documents | $1,706 | 10% | $150 |
| Two comp claims | $1,742 | 12% | $187 |
| Driving with expired registration | $1,756 | 13% | $201 |
| Failure to wear a seat belt | $1,774 | 14% | $219 |
| Child safety restraint | $1,784 | 15% | $228 |
| Driving without lights | $1,784 | 15% | $228 |
| Speeding in school zone | $1,816 | 17% | $260 |
| Driving too slowly | $1,816 | 17% | $261 |
| Cell phone violation | $1,854 | 20% | $299 |
| Texting while driving | $1,854 | 20% | $299 |
| Speeding 6 - 10 MPH over limit | $1,861 | 20% | $305 |
| Illegal turn | $1,870 | 21% | $315 |
| Following too closely | $1,871 | 21% | $315 |
| Failure to yield | $1,871 | 21% | $315 |
| Failure to stop at a red light | $1,871 | 21% | $315 |
| Speeding 11 - 15 MPH over limit | $1,880 | 21% | $324 |
| Speeding 16 - 20 MPH over limit | $1,895 | 22% | $340 |
| Speeding 21 - 25 MPH over limit | $1,895 | 22% | $340 |
| Wrong way/wrong lane | $1,911 | 23% | $356 |
| Improper passing | $1,938 | 25% | $383 |
| Passing school bus | $1,964 | 27% | $409 |
| At-fault accident - less than $1000 | $2,010 | 30% | $455 |
| In 65 MPH zone | $2,013 | 30% | $457 |
| Operating a vehicle without permission | $2,083 | 34% | $528 |
| At-fault accident - $1000-$2000 | $2,114 | 36% | $558 |
| At-fault accident - greater than $2000 | $2,143 | 38% | $588 |
| Open container | $2,217 | 43% | $662 |
| Driving with a suspended license | $2,630 | 69% | $1,074 |
| Refusal to submit to a chemical test | $2,764 | 78% | $1,208 |
| Reckless driving | $2,782 | 79% | $1,226 |
| DUI | $2,896 | 87% | $1,340 |
| Racing | $2,909 | 87% | $1,354 |
| Leaving scene of an accident/hit and run | $2,976 | 92% | $1,420 |
| Year | Avg. Annual Premium - North Dakota | Yearly Change - North Dakota | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,327 | $5 | $1,519 | $56 |
| 2020 | $1,332 | -$87 | $1,473 | -$51 |
| 2019 | $1,429 | $72 | $1,554 | $33 |
| 2018 | $1,367 | -$429 | $1,531 | $94 |
| 2017 | $1,806 | $224 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $206 | $1,290 | $61 |
| 2014 | $1,679 | $145 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $313 | $1,286 | $92 |
Way.com recommends that all drivers consider the following details when purchasing car insurance.
Consider your requirements: Shop around for the most cost-effective coverage options. Pay close attention to the specifics of any auto insurance policy offer you consider, and spend time researching the deductible and premium options that are best suited to your car type. Consider the monetary value of your car and whether you require full coverage or only liability coverage.
Consider state laws: In North Dakota, drivers must have auto insurance to drive a car legally. If you want to drive a car in North Dakota, you must carry the bare minimum of insurance. You will not be covered for damages caused by other drivers if you do not have comprehensive collision coverage.
Most North Dakota car insurance companies offer various discounts to their insured drivers. Drivers in North Dakota can take advantage of various car insurance discounts. Inquire with an insurance agent about the various discounts available to you, such as home and auto policy bundle discounts.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Under North Dakota law, all cars must have the following minimum insurance coverages: Bodily injury: $25,000 per person and $50,000 per accident. Uninsured motorists: $25,000 per person and $50,000 per accident. Underinsured motorists face a $25,000 fine per person and a $50,000 fine per accident.
The following are the North Dakota auto insurance requirements:
Injury to the body: $25,000 per person and $50,000 per accident.
Damage to property: $25,000 per accident.
Uninsured motorists face fines of $25,000 per person and $50,000 per accident. Underinsured motorists face a $25,000 fine per person and a $50,000 fine per accident.
USAA has the cheapest car insurance for minimum and full coverage. But it is available only for military personnel. For non-military personnel American Family Insurance is the cheapest car insurance for minimum and full coverage.
North Dakota auto insurance is reasonably priced. North Dakota's average auto insurance rate is $1152 per year, 13.8% less than the national average. Your car insurance rates are influenced by factors other than geography.
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