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This page provides pertinent info on car insurance in the state of North Dakota. Scroll down for some useful tips on lowering your annual premiums.

Average Auto Insurance Rates

The Average Annual Premium for North Dakota car insurance was $1,200 last year, falling below the national average of $1,347 for the same time period.

Minimum Liability Coverage

For North Dakota auto owners, the minimum liability coverage required per vehicle is 20/50/25.

This means car owners in North Dakota must purchase at least $20,000 in personal injury coverage, $50,000 in “per-accident” insurance to cover death or injury to others, and $25,000 against property damage.

So the maximum payout for the state minimum car insurance in North Dakota is $95,000.

However, this may not be enough to cover all the costs of an accident, and can lead to huge out-of-pocket expenses. Many North Dakota drivers buy more than the minimum coverage required by law.

Penalties for Uninsured Drivers

Drivers in North Dakota ticketed for operating uninsured vehicles face a minimum fine of $150 and a suspended registration until proof of insurance is provided.

Repeat offenses that occur less than 18 months apart face fines of at least $300.

Lowering the Cost of Car Insurance

Car insurance carriers have many discount programs to encourage or promote safe, smart driving habits. North Dakota drivers often reduce auto insurance premiums by qualifying for every possible discount offered by local carriers.

Discounts on car insurance include Good Driver discounts, Accident Free discounts, Senior Citizen discounts, Good Student discounts, Vehicle Safety discounts, Multiple Policy discounts and Multiple Auto discounts, to name only a few.

You can also save money on car insurance by paying your annual premium all at once, or increasing your deductible amount, or improving your credit rating, or by driving vehicles with permanently installed safety features, for instance.

Another great way to get Very Cheap Car Insurance is to drive a very cheap car.

Obtaining Very Cheap Car Insurance Quotes

According to recent online complaint reports (or lack thereof), North Dakota's favorite car insurance carriers are AAA, Allianz, American Family Insurance, American National Insurance, Auto Owners Insurance, State Farm and 21st Century Insurance.

Still, some North Dakota drivers opt for locally owned carriers like Western National.

Either way, North Dakota supports numerous auto insurance companies, each of them offering competitive rates.

Obtain a few free quotes online. Then call a few agents and apply for discounts. Then simply compare quotes and choose the most cost-effective premium package.

Following these simple steps can save you hundreds of dollars a year in car insurance.

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