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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. 

photo credit: heavy.com



average auto insurance rates


The Average Annual Premium for North Dakota car insurance was $1,086 this year, a far cry below the overall national average car insurance premium of $1,365 over the same time period. 

The low average insurance rate in North Dakota may be a function of the state's very sparse population, combined with a relatively low crime rate, and a relatively low rate of uninsured drivers. 



Minimum liability coverage on vehicles in North Dakota


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
  • $25,000 against property damage.


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

However, this amount may not be enough to cover the costs of a real accident, and can lead to huge out-of-pocket expenses.

That's why a lot of 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. 

The rate of uninsured drivers in the state of North Dakota is estimated at about 6.8%, well under the national average of about 13%. 



lowering the cost of North Dakota 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

... and many others.


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), just 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

  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. 

  1. Obtain a few free quotes online.
  2. Then call a few agents for more free quotes, and inquire about the discounts.
  3. Then simply compare quotes, and choose the most cost-effective premium package.


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




related links


Very Cheap Car Insurance in YOUR State 

Compare Average Car Insurance Premiums in all 50 states and Washington DC. 



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