- State minimum liability on average in North Dakota costs $47 a month or $567 a year. Full coverage auto policies costs around $193 a month or $2,318 a year in ND.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in North Dakota – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in North Dakota
- In North Dakota the cheapest car insurance companies on average are Nodak , State Farm and American Family Insurance. State minimum liability car insurance starts at $23 a month or $280 a year with Nodak. The cheapest full coverage car insurance starts at $143 a month or $1,722 a year with American Family Ins.
Here are the average policy rates from the cheapest local and national insurance providers in North Dakota from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Nodak | $280 | $23 | $4,056 | $338 |
| State Farm | $445 | $37 | $2,364 | $197 |
| American Family | $517 | $43 | $1,722 | $143 |
| North Star Mutual | $548 | $46 | $3,785 | $315 |
| Progressive | $627 | $52 | $3,630 | $303 |
Average Auto Insurance Costs for Popular ND Cities
| North Dakota City: | State Minimum: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Bismarck | $578 | $48 | $2,814 | $235 |
| Fargo | $567 | $47 | $2,318 | $193 |
| Grand Forks | $585 | $49 | $2,475 | $206 |
| Minot | $590 | $49 | $2,805 | $234 |
SEE OUR LIST OF POPULAR ND CITY COST GUIDES:
State Minimum Liability Coverage Amounts
If your vehicle is registered in the State of North Dakota, you must obtain insurance that covers you with state-mandated liability limits. Those minimums are as follows:
- $25,000 per person
- $50,000 bodily injury for each accident
- $25,000 for damage to another person’s property
- $25,000 uninsured driver liability
- $30,000 basic no-fault coverage
North Dakota law states that if you’re not covered for the liability minimums, it’s a Class B misdemeanor which will result in a $150 fine. If you become involved in an accident while underinsured, you may receive up to 14 penalty points.
You may opt for additional auto insurance coverage in North Dakota. These options include comprehensive and collision coverage, which go above and beyond the basic policy to protect your assets even more. Collision covers you if you strike another vehicle or an object, while comprehensive covers other events, such as fire or theft, or if you hit an animal (such as a deer) with your car.
North Dakota Car Insurance Rates by County
The average cost of car insurance in North Dakota varies between each driver. We provide a breakdown of the amount you can expect to pay on car insurance policy costs by county for vehicle types below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Adams | $820 | $629 | $866 | $656 | $809 |
| Barnes | $590 | $445 | $638 | $472 | $578 |
| Benson | $831 | $632 | $889 | $665 | $817 |
| Billings | $849 | $669 | $895 | $696 | $838 |
| Bottineau | $810 | $611 | $868 | $644 | $796 |
| Bowman | $902 | $711 | $948 | $738 | $891 |
| Burke | $925 | $709 | $991 | $746 | $910 |
| Burleigh | $658 | $503 | $705 | $530 | $646 |
| Cass | $590 | $445 | $638 | $472 | $578 |
| Cavalier | $781 | $595 | $833 | $625 | $769 |
Finding Auto Insurance Resources in North Dakota
The State of North Dakota recognizes that some drivers have difficulty obtaining insurance. If you have previous driving penalties that prevent you from obtaining insurance, you can receive state assistance. This assistance comes from the North Dakota Automobile Insurance Plan.
The NDAIP provides auto insurance to you if you cannot get a policy due to your driving history. If you meet the following requirements, you are eligible for the plan:
- You are a North Dakota resident
- Your vehicle is registered in North Dakota
- You have a North Dakota driver’s license
- You don’t have outstanding auto insurance premiums
If you have a problem with your auto insurance agent or insurance company, you can contact the North Dakota Insurance Department for advice.
Additional Tips
To obtain legal auto insurance in North Dakota, you must use a company that is licensed to insure drivers in the state. Don’t rely on a company to truthfully tell you whether it has these permissions. You can also get multiple free car insurance quotes from insuranceQuotes.com, so you be sure that you’re getting best deal on your insurance.
If you are a student, you may qualify for a discount on your auto insurance for good grades, typically a B average or above. Not all North Dakota auto insurance companies offer this, but some do. Students and adults may also receive a discount for:
- Installing anti-theft devices
- Having an accident-free driving history (typically for 3 to 5 years)
- Completing a defensive driving course
- Insuring multiple vehicles on a single policy
Moving to North Dakota: Important Information
If you’re moving to North Dakota, the North Dakota Department of Transportation has certain requirements for driving your vehicle there. Upon arriving in the state, you need to submit your existing title with your vehicle registration application. If there is an outstanding loan on your car, you must also send details of the loan and the bank.
If you are a driver from one of the following states or countries, you must pay an excise tax on your vehicle:
- Canada
- Alaska
- Delaware
- Montana
- New Hampshire
- Oregon
Understanding Driving Laws in North Dakota
In North Dakota, you can’t get a driving license if you are under the age of 16.
During the winter, driving becomes hazardous in many parts of North Dakota, which means the state authorities take necessary precautions to prevent you from injuring yourself. If you attempt to enter an area that is closed off due to weather conditions, you can incur a fine of $250 and receive four penalty points on your driving record.
It is not legal to drive while texting in North Dakota. If you choose to do this, you can face a fine of $100. The same rule applies to reading a message while driving.
If you drive with a blood alcohol content level (BAC) of 0.08 percent or more, you may face DUI charges. If you’re under 21, the legal BAC limit is 0.02 percent. Refusal to take a BAC test can result in a losing your license for up to 3 years, depending on how many times you are caught driving drunk.
Frequently Asked Questions About North Dakota Auto Insurance
1. Who has to file an SR22 financial responsibility listing?
Certain drivers must prove to the state that they are capable of meeting financial liability. These drivers are:
- People with a DUI on their driving record
- Drivers who have been suspended
- Drivers who refuse a chemical test (used determine the level of alcohol and drugs in your system) while driving
You need to prove you can cover state mandated financial liabilities if you fall into this category. This usually involves producing a valid auto insurance certificate.
2. Does the North Dakota Insurance Department set rates?
Although the North Dakota Insurance Department regulates rates, it does not set them. The state encourages competition among insurers, so as the consumer, your best option is to shop around.
3. Does North Dakota offer insurance premium reduction courses?
The North Dakota Highway Patrol offers a list of approved auto insurance premium reduction courses. This includes both classroom based and online courses.
How to Get Great Rates on North Dakota Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
