Cheap Car Insurance in North Dakota

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:

  1. Allied
  2. Allstate
  3. American Family
  4. Auto Club Group
  5. EMC
  6. Farmers
  7. GEICO
  8. Liberty Mutual
  9. MetLife
  10. Nodak Mutual
  11. North Star
  12. Progressive
  13. State Auto
  14. State Farm
  15. 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.

  1. $25000 bodily injury coverage per person is required in North Dakota.
  2. $50000 bodily injury coverage per accident is required in North Dakota.
  3. $25000 property damage coverage per accident is required in North Dakota.

Other types of optional coverages in North Dakota are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. 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.

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