Cheapest Car Insurance Rates in 2023

Best Car Insurance Companies in North Dakota

• Grinnell Mutual
• American Family
• State Farm
• Auto Owners Insurance
• Geico
• Progressive

Auto Insurance Statistics in North Dakota

Auto insurance rates North Dakota have been significantly lower than the national average for many years. Drivers in the state can review the rates compared with national averages to see how much they are saving in comparison to other states nationwide.

Top 10 Cheapest Car Insurance Companies in North Dakota

Drunk Driving Fatalities

Drinking and driving often results in death and in North Dakota and other states nationwide,  this practice continues. To avoid fatalities from drinking and driving, drivers must consider abstaining from operating a vehicle when under the influence of alcohol. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in North Dakota vs. nationwide.

Drunk driving fatalities in North Dakota from 2013 to 2017

Teen Drinking and Driving

Teen drinking and driving in North Dakota is significantly higher than the national average. This a serious epidemic that needs to be addressed in schools and at home for early intervention. This data shows that far more teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of North Dakota drivers that are teenagers who are drinking and driving related to national averages.

Teen Drinking & Driving in North Dakota vs. Nationwide (2017)

SR-22 Insurance in North Dakota

Like most states in the country, North Dakota has strict SR-22 insurance regulations for individuals who have previous driving infractions. If local authorities say you need an SR-22 policy to get back on the road, you can face strict punishments for continuing to drive. An SR-22 policy is essentially a form that provides evidence that you have North Dakota’s minimum insurance requirements.

While minimum requirements can change, you should be aware that SR-22 policy providers will immediately notify North Dakota driving officials if you cancel or amend your policy outside of its permitted scope. Because these policies are given to individuals with driving offences, they tend to be more expensive — make sure to compare rates before you buy a policy.

Car Theft in North Dakota

Car theft in North Dakota has been higher over the past few years with some years seeing more and less car thefts when compared to the national average. By finding out about the rate of car theft in North Dakota, it will be easier to understand the level of risk they take while driving and owning a car in the state.

Vehicle thefts by rank nationwide vs. North Dakota

Uninsured Motorists in North Dakota

Driving without sufficient auto insurance is a practice that could cause you to have to pay out of pocket for accident related expenses. Yet drivers across the country still remain uninsured due to financial reasons and socioeconomic challenges. It helps to carry uninsured and underinsured motorist coverage. The below data shows how well North Dakota ranks in the total number of reported uninsured motorists in the state in the year 2015.

Percentage of uninsured drivers (Top States in 2015)

• Bodily Injury Liability: This covers any claims made against you for bodily injury caused to another person through the operation of your vehicle; $25,000 per person, $50,000 per accident minimum.
• Property Damage Liability: This protects you from claims brought over damage to someone else’s property through the operation of your vehicle; $25,000 per accident minimum.
• Uninsured Motorist Coverage: This form of insurance provides you with coverage for a bodily injury claim you could have against another driver without insurance; $25,000 per person, $50,000 per accident minimum.
• Underinsured Motorist Coverage: This provides coverage for a bodily injury claim you could have with another driver whose liability coverage is less than your underinsured coverage; must be equal to the uninsured motorist coverage amount.
• Basic No-Fault: This gives you coverage for economic loss incurred – such as medical expenses or time off work – as the result of an auto accident, regardless of who’s at fault; $30,000 per person minimum.

There are additional forms of coverage available as well, including: collision, towing, comprehensive, death and dismemberment, and GAP coverage. But if you’re looking for the cheapest auto insurance, you probably want to stick with the minimum requirements. To make this easier, we’ve made a list of cheap auto insurance companies for each of North Dakota’s five biggest cities.

Fargo, ND

North Dakota’s biggest city, perhaps most famous for the movie of the same name, is a great college town. Like the rest of the state, winters can get extremely cold, which means having a properly insured vehicle is a must.

Auto insurance rates here are among the cheapest in the state, costing an average of $1,148 per year. To get the lowest rates possible, check out these companies, led by Nodak Mutual offering average rates of $618 per year:

Bismarck, ND

• Nodak Mutual
• USAA
• State Farm
• Allied
• AAA

Bismarck is North Dakota’s capital and second largest city. It’s also a great place to raise a family, boasting low crime rates and an excellent public school system. Auto insurance here is cheaper than the state average, at $1,224 per year. By choosing the right company, you can get a great deal with any of these companies:

Grand Forks, ND

• USAA
• State Farm
• Nodak Mutual
• Allied
• AAA

The third largest city in ND, Grand Forks is also one of the cheapest places to get auto insurance. Residents pay an average of $1,154 annually. With a little shopping around, that figure can nearly be cut in half, to around $600:

Minot, ND

• USAA
• State Farm
• Nodak Mutual
• Allied
• AAA

Proving that bigger cities don’t always equate to more expensive auto insurance, Minot – the state’s fourth largest city, is yet another place on the list with cheap insurance rates compared to the state average. Residents here pay about $1,200 per year to get their vehicles insured. These companies have even cheaper rates:

West Fargo, ND

• USAA
• Allied
• Nodak Mutual
• State Farm
• AAA

The trend of cheap insurance rates continues with our last city, West Fargo, which has the cheapest auto insurance in the state. Those who drive in ND’s fifth largest city only pay $1,137 per year on average. With a little shopping around, consumers can potentially slash another $500 off that figure:

• Nodak Mutual
• USAA
• Allied
• State Farm
• AAA

Types of Auto Insurance Coverage in Nebraska:

• Comprehensive Insurance Coverage
• Bodily Injury Liability Insurance
• Uninsured/Underinsured Motorist Bodily Injury Insurance
• Uninsured Motorist Property Damage Insurance
• Property Damage Liability Insurance

New Driver Licensing Requirements

Residents in the state of North Dakota will have 60 days in which to get an official state driver license. North Dakota requires that all new drivers that are under 18 years of age obtain an Instruction Permit. The Instruction Permit program and Minor’s Driver License program are available to younger drivers.

• Instruction Permit: Starting at the age of 14, the Instruction Permit makes it possible for an applicant to begin driving as long as they are supervised. They will need to pass written and vision tests as well as completing a driver education course. When the permit is held, the driver must hold it until the age of 15 and 15 for 12 months. At the ages of 16 and 17, it must be held for 6 months or until the driver turns 18, whichever event precedes the other.

Source: North Dakota Driver’s Manual

Cheap Auto Insurance Discounts

Rivers looking for cheap auto insurance quotes in North Dakota can benefit from taking advantage of auto insurance discounts. At CheapAutoInsurance.co, we strive to help you get the lowest possible rates on auto insurance. That is why we have put together a list of common insurance discounts which can help you save. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in North Dakota each year.

• Anti-theft discount
• Mature driver discount
• Military or Veteran discount
• Bundling insurance policies discount
• Senior citizen discount
• Car safety features discount
• Good student discount
• Defensive driving discount
• Low-mileage discount
• Multi-car auto insurance discount
• Infrequent usage discount

FAQ

Being one of the few no fault insurance states in the country, North Dakota has its own set of rules when it comes to insurance that are a bit different from other states. If you want to acquire insurance in North Dakota and be properly prepared for any auto accident you find yourself in, it’s important to make sure you understand the rules regarding their insurance policies.

Check out the answers we’ve provided on what you need to acquire insurance in North Dakota, what that insurance covers and what may happen if you find yourself in an accident.

Getting Coverage in North Dakota

North Dakota has different requirements for getting coverage and there are several things that can drastically affect your premiums. Not only your driving record, but everything from your credit score to your occupation all plays a huge role in your coverage. Check out the answers we’ve provided below on getting coverage.

The Costs of Coverage

With so many things playing a major impact on the cost of coverage in North Dakota, it’s significant to find any way possible you can to keep those costs down. We’ve answered several questions below on what has an impact on the cost of coverage and some things you can do to keep it down.

Car Insurance Penalties for North Dakota

North Dakota comes with several penalties for those who aren’t insured. It can be difficult to recover from the setbacks that not having insurance causes, especially since the penalty can stay on your record for several years.