Car Insurance

Cheapest car insurance in North Dakota for 2021

1
John Elk III/Getty Images
Written by
Cynthia Paez Bowman
  • /
  • 4 min read
Edited By
Morgan Chelsea Lanier
  • /
  • 4 min read
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North Dakota is one of the least populated states in the U.S. The average cost of car insurance in North Dakota is $278 for liability coverage and $1,264 for full coverage. The North Dakota Department of Transportation stated that the number of traffic fatalities in the state has been decreasing since 2012. There were only 100 deaths related to car crashes in 2019, compared to 105 in 2018.

Nevertheless, North Dakota leads the country in DUI-related deaths on a per capita basis. The state’s “Vision Zero” campaign aims to completely eliminate the number of traffic fatalities that occur each year, but more action to reduce the number of DUIs will be needed to achieve this goal. These are all good reasons to find cheap North Dakota car insurance that will cover you in case of an accident.

The cheapest car insurance in North Dakota

There is a wide selection of auto insurance companies in North Dakota that provide affordable coverage to a variety of drivers, both single and married, young and old and those with clean records versus those who have accumulated a few points. The top 5 carriers below are the cheapest carriers with a large market share in the state.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Nodak $164 $1,294
USAA $180 $815
Farmers $188 $990
Geico $241 $1,122
American Family $263 $819

Nodak

Nodak only offers vehicle insurance for North Dakota drivers. The local insurance company can focus on servicing its friends, neighbors and community members by providing the cheapest auto insurance in North Dakota. To keep premiums low, policyholders can opt for accident forgiveness, which gives drivers a break to save them from an increase in vehicle coverage if they cause an accident.

USAA

This insurance company is dedicated exclusively to providing affordable insurance of all types to members of the U.S. military and its veterans. The relatively low number of traffic fatalities in the state allows it to offer affordable car insurance to anyone who is or was in the military with a clean driving record.

In addition to all of the standard types of auto insurance policies, USAA also offers roadside assistance plans, rental reimbursement, accident forgiveness insurance, guaranteed asset protection (GAP) insurance and car replacement assistance (CRA) coverage.

Learn more: USAA Insurance Review

Farmers Insurance

Farmers offers affordable car insurance to drivers. It has coverage options like new car replacement, towing and roadside assistance and roadside assistance. People looking for cheap car insurance can look into discounts for things like being a good student, bundling insurance policies and using its Signal app that monitors driving habits.

Learn more: Farmers Insurance Review

Geico

This well-known insurance company was ranked second in its region in the J.D. Power 2020 Satisfaction Study. It scored an impressive 855 out of 1,000 points in the survey. A.M. Best also gives Geico a financial strength ranking of A++. Geico offers a complete range of auto insurance policies to North Dakota residents and discounts for military, multiple vehicles, multiple policies, federal employees, safety features, good students and good drivers.

Learn more: Geico Insurance Review

American Family

American Family has a variety of car insurance coverages for every driver’s need. Besides the standard coverages such as liability, comprehensive and collision, you can add rideshare insurance, gap coverage, emergency roadside assistance and more. Teens, who often pay the most for car insurance, can sign up for discounts when they enroll for driver tracking through the American Family mobile app.

Learn more: American Family Insurance Review

Minimum coverage for North Dakota drivers

If you live and drive in North Dakota, the state requirements for the minimum amount of car insurance you can carry are:

  • Bodily injury liability: $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident).
  • Property damage liability: $25,000 per accident.
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident.
  • Underinsured motorist coverage: underinsured motorist coverage must be equal to the uninsured motorist coverage.
  • Basic no-fault: $30,000 per person.

Most financial planners and car insurance agents recommend that their clients carry considerably more coverage than the minimum amount required by law. The costs of an accident, especially a serious one, can quickly add up to hundreds of thousands of dollars in many cases.

How to get cheap car insurance in North Dakota

There are several things that you can do to lower your car insurance premiums if you live in North Dakota. A few of these possibilities include:

  • Shopping around to compare quotes from several different providers to see where you can get the best deal
  • Taking advantage of discounts because most insurers will offer discounts for various reasons such as being a safe driver, taking a driving course, getting good grades, using modern safety equipment and bundling your home and auto insurance.
  • Improving your credit score.
  • Raising your deductibles if you can establish an emergency fund that has at least as much cash as your deductibles.

Frequently asked questions

What is the best car insurance in North Dakota?

There is no one “best” car insurance in this state. It all depends upon a variety of factors such as your age, driving record, the kind of car you have and whether you qualify for any discounts. Different insurers cater to different types of demographic segments of drivers.

What is the average cost of car insurance in the U.S.?

The average cost for a full coverage policy in the U.S. is $1,674 per year. North Dakota falls below the average, with an average cost of full coverage insurance of $1,264 per year and liability coverage of $278 per year.

Can I get car insurance in North Dakota if I have a DUI on my record?

Yes, it is possible for you to get coverage with an insurer in this state if you have a DUI on your record. However, your insurance will be considerably more expensive than it would be if you had a clean driving record.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Morgan Chelsea Lanier
Insurance Editor

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