Cheap Car Insurance in North Dakota
It is mandatory to get car insurance in North Dakota for drivers to drive legally in the state. Different companies in North Dakota provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in North Dakota:
| Name of the Company | Average annual car insurance premiums |
| USAA | $982 |
| Allied | $1121 |
| State Farm | $1273 |
| North Star | $1403 |
| Auto-Owners | $1440 |
| MetLife | $1562 |
| Nodak Mutual | $1678 |
| Progressive | $1699 |
| Auto Club Group | $1756 |
| National Farmers Union P&C | $1929 |
| State Auto | $1970 |
| Allstate | $2093 |
| EMC | $2275 |
| American Family | $2407 |
| Liberty Mutual | $2428 |
| GEICO | $2765 |
| Metropolitan | $3093 |
| Dairyland | $11087 |
Cheap car insurance in North Dakota for good drivers
Car insurance companies may charge high car insurance premiums from drivers in North Dakota with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in North Dakota provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in North Dakota by maintaining a good driving record. Most auto insurance companies in North Dakota provide 5-10% good driver discount to those having good driving history without violations.
- Drivers with no traffic ticket may save $290 on car insurance premiums in North Dakota.
- Drivers may save $541 on car insurance premiums if they have an accident-free record in North Dakota.
- By maintaining good credit history you may save $1063 on car insurance premiums in North Dakota.
Cheap car insurance for inexperienced drivers in North Dakota
Most auto insurance providers may charge high auto insurance premiums in North Dakota from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in North Dakota vary according to the age of the drivers. Some companies charge high auto insurance cost from young drivers in North Dakota.
| Age | Average annual auto insurance premiums with parents | Average annual auto insurance premiums for young drivers alone |
| 16 | $4720 | $6203 |
| 17 | $4409 | $4905 |
| 18 | $4080 | $4547 |
| 19 | $3406 | $2845 |
Affordable auto insurance in North Dakota for high-risk drivers
Car insurance companies in North Dakota charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in North Dakota can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with good driving history in North Dakota may get discounts on car insurance policies.
| Rating factor | Average annual car insurance premium |
| At-Fault Accident | $1772 |
| DUI | $2007 |
| Speeding Violation | $1525 |
| Bad Credit | $2297 |
Best car insurance companies in North Dakota
Car insurance prices in North Dakota may vary from company to company. Some companies in North Dakota charge low car insurance premiums than others. To get best auto insurance policy in North Dakota you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find best auto insurance company in North Dakota by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in North Dakota:
- Allied
- Allstate
- American Family
- Auto Club Group
- EMC
- Farmers
- GEICO
- Liberty Mutual
- MetLife
- Nodak Mutual
- North Star
- Progressive
- State Auto
- State Farm
- USAA
What auto insurance coverage is mandatory to purchase for drivers in North Dakota?
The average annual cost to get the minimum required coverage in North Dakota may be around $363. The minimum required coverage for drivers in North Dakota to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $25000 |
| Bodily injury per accident | $50000 |
| Property damage per accident | $25000 |
The state minimum auto insurance requirements in North Dakota
The state minimum auto insurance coverage requirement in North Dakota is liability coverage.
- $25000 bodily injury coverage per person is required in North Dakota.
- $50000 bodily injury coverage per accident is required in North Dakota.
- $25000 property damage coverage per accident is required in North Dakota.
Other types of optional coverages in North Dakota are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Medical Payments
Fine for driving without car insurance in North Dakota
If anyone caught driving without a car insurance policy in North Dakota then police may charge a fine.
Car insurance prices by cities in North Dakota
Car insurance premiums in North Dakota may vary from city to city. In some cities of North Dakota, car insurance prices are high are compared to others.
| City | Average annual insurance premiums |
| Hazen | $1465 |
| Beulah | $1463 |
| Williston | $1425 |
| Mandan | $1415 |
| Rugby | $1414 |
| Bismarck | $1390 |
| Dickinson | $1380 |
| Belcourt | $1375 |
| Bottineau | $1370 |
| Carrington | $1365 |
| Minot | $1360 |
| Grafton | $1325 |
| Devils Lake | $1324 |
| Lisbon | $1300 |
| Valley City | $1296 |
| Wahpeton | $1288 |
| Jamestown | $1253 |
| Casselton | $1250 |
| Fargo | $1242 |
| Horace | $1235 |
| Grand Forks | $1220 |
| Grand Forks AFB | $1217 |
| West Fargo | $1193 |
If you are looking for a car insurance deal in North Dakota, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
