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This page provides pertinent info about car insurance in the state of North Dakota.

Learn about average rates, minimum liabilities, car insurance discounts, and more. 

Scroll down for some useful tips on lowering the annual premiums on your North Dakota car insurance policy, although these tips will generally apply to drivers in any state. 


Average Auto Insurance Rates

The Average Annual Premium for North Dakota car insurance was $1,200 last year, a comfortable distance 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 no less than $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 the costs of an accident, and can lead to huge out-of-pocket expenses.

That's why 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
  • Multiple Auto discounts name only a few.

You can also save money on car insurance by paying your annual premium all at once (for a Paid In Full discount), or increasing your deductible amount (for a Deductible discount), or improving your credit rating (for a Credit discount), or by driving vehicles with permanently installed safety features (for a Safe Driver discount), among others.  

One other 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

  1. AAA
  2. Allianz
  3. American Family Insurance
  4. American National Insurance
  5. Auto Owners Insurance
  6. State Farm Insurance
  7. 21st Century Insurance

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

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

Obtain a few free quotes online. Then call a few agents for more free quotes, and inquire about the 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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