North Dakota is in the central United States on the border with Canada and features 87,688 miles of roadway, including state, county, interstate highways, rural roads and city streets. In 2017, there were more than 1,159,000 vehicles registered in South Dakota.
The state is known for being one of the worst states for drunk driving incidents. In 2017 alone, 49% of all motor vehicle accidents in North Dakota were attributed to driving under the influence. Between 2003 and 2012, more than 500 people were killed in drunk driving-related accidents in the state.
North Dakota has the 34th worst road conditions in the country, with 10% of its roads considered poor and 64% of its roads considered to be in good shape.
When operating a vehicle in North Dakota, it is important to be attentive to highway conditions and to have appropriate automobile insurance to keep you covered if an accident should occur.
According to the North Dakota Transportation Handbook, 113 people were killed in vehicle accidents in the state of North Dakota during the year 2017. As of 2015, the Insurance Information Institute reports that only 6.8% of the state’s drivers were uninsured, making it better in this area than 44 other states. It is clear to see why finding the best car insurance in the state can be both life-saving and financially sound.
Two of the United States’ premier authorities on the auto insurance industry, the National Association of Insurance Commissioners and Insurance Information Institute, suggest all drivers consider the following details when purchasing car insurance:
- Know North Dakota’s state minimum requirements for auto insurance coverage so you can purchase at least the lowest amount legally needed to operate a vehicle in the state.
- Research insurance quotes before purchasing a new vehicle based on the makes and models you are considering.
- Shop around to find the most affordable coverage options.
- Ask an insurance agent about the various discounts available for you can take advantage of, such as home and auto policy bundle discounts.
- Pay close attention to the specific details of any auto insurance policy offer you consider, and take time to explore the deductible and premium options that are most suited for your vehicle type.
- Think about your car’s monetary worth and whether you require full coverage or liability only.
- Have your North Dakota car insurance policy in place before driving off the lot with a newly purchased vehicle.
Best car insurance companies in North Dakota
While it may be challenging to narrow down the greatest car insurance providers in North Dakota, you need to find an insurance carrier with the options that best fit your vehicle and circumstances. You’ll appreciate that you took the time to deliberate on a variety of providers before selecting one.
J.D. and Associates Power is a leading voice when it comes to ranking car insurance providers, and the company completes an exhaustive yearly study that ranks insurance carriers by region in the United States. North Dakota falls under the Central Region, where J.D. Power suggests the following auto insurance carriers are the best:
- Allstate: Allstate scores a steady 3 out of 5 on the J.D. Power rankings. Beyond customer satisfaction, repairs process and claim servicing, Allstate also carries this ranking for its estimation process and settlement process. Between 2015 and 2019, Allstate has been ranked as one of the most ethical companies in the world by the Ethisphere Institute.
- Auto-Owners Insurance: Just under Shelter on the J.D. Power rankings is Auto-Owners Insurance, which scores 856 out of 1,000 for overall customer satisfaction in the US Central region.
- Geico: Geico has the financial strength customers value and depend on when car insurance claims need to be paid. AM Best, the oldest provider of insurance ratings in the country, grants Geico an A++ rating when it comes to financial stability. J.D. Power scores the company with 838 out of 1,000 points for customer satisfaction.
- Shelter: Shelter leads the pack according to J.D. Power, where it earns 858 out of 1,000 possible points in overall customer satisfaction. Accredited by the Better Business Bureau since 2000, the company earns an A+ rating with nearly 4 out of 5 stars from customer reviews.
In addition to J.D. Power and Associates, other companies like the Better Business Bureau also rank car insurance companies. The BBB bases its ratings on the following components:
- Size of the business
- Total number of complaints against a company
- How the business resolves complaints
- How long it takes a company to respond to complaints
- The good faith effort a company expends to resolve complaints
- How proficiently a company solves fundamental issues resulting in complaints
- The amount of present-day complaints
|J.D. Power Rating||BBB Rating||AM Best Rating|
|Allstate||3 out of 5||A+||A+|
|Auto-Owners Insurance||5 out of 5||A+||A++|
|Geico||4 out of 5||A+||A++|
|Shelter||5 out of 5||A+||A|
Finding the right cheap car insurance in North Dakota for you
With several of the top-ranked auto insurance providers available in North Dakota, you can better determine the company that offers the highest quality coverage at the most affordable price.
Though North Dakota car insurance costs certainly may fluctuate from driver to driver, contingent on a variety of components including credit rating, age, gender, zip code and automobile type, some insurance carriers are better than others for different circumstances. The cheapest North Dakota car insurance for you will depend on your answers to those factors.
The prices below reflect our custom driver who is a single 30-year old male driving a 2015 Toyota Corolla an average of 10,000 miles per year.
Cheapest overall North Dakota car insurance: Geico
Geico had the lowest annual premium for our test driver. If making monthly payments of $43.44, our driver would only pay $521 for the entire insurance premium. However, if he could pay in full, the total for his six-month premium would be $230.
Best North Dakota car insurance for discounts: State Farm
State Farm reigns supreme in the auto insurance industry when considering driver discounts. Policyholders can save around 40% by installing modern safety equipment such as airbags, daytime running lights and anti-lock brakes. State Farm also gives drivers an upfront 5% discount when they sign up for the State Farm safe driver initiative, which can grant safe drivers up to 50% off their insurance costs for the year.
Cheapest North Dakota car insurance for drivers with one accident: Allstate
Allstate has a stellar accident forgiveness program, so it’s no wonder that the company fits the list here. Allstate guarantees that your North Dakota car insurance rates won’t go up even if you’re involved in an automobile accident for which you were at-fault.
Average cost of car insurance in North Dakota
According to the Insurance Information Institute, North Dakota offers some of the most affordable car insurance rates in the nation and ranks at number 49 when it comes to car insurance costs. In 2016, the average annual price for auto insurance coverage was $639.
Yearly car insurance premiums can vary depending on many factors, including driving history and credit rating. Examine the chart below to see how your North Dakota car insurance rates may differ based on different factors:
|Driving incident||Annual premium||Average increase|
|Poor credit rating||$2,292||46.18%|
|Driving under the influence||$2,003||38.44%|
Car insurance discounts in North Dakota
Most North Dakota car insurance providers feature a range of discounts for their insured drivers. In North Dakota, drivers can utilize numerous car insurance discounts.
Allstate includes a lengthy selection of savings options for their policy holders, including:
- The good student discount for those under 25 years of age who maintain either a B- average or higher or a 2.7 GPA or higher
- New car discount
- Multi-policy discount
- Anti-theft discount
Geico offers several discounts, including:
- Vehicle equipment discounts, such as 25% discounts for driver side airbags and up to 40% savings if you have full-front seat airbags
- Good drivers can save 26% if they have been accident-free for the last five years.
Shelter offers drivers in North Dakota a few discounts, such as:
- A companion home or life insurance discount for carrying multiple policies
- Good student
- Good driver
- Military service
State Farm’s discounts include:
- State Farm’s Drive Safe & Save Discount can help drivers save an immediate 5% on car insurance and balloon up to 30% in discounted savings with safe driving habits.
- Multi-car discounts for policyholders with two or more vehicles.
State minimum insurance requirements
In North Dakota, drivers must carry auto insurance to legally drive a vehicle.
If you want to drive a car in North Dakota, state law requires that you carry the minimum amount of insurance. This minimum coverage includes:
- $25,000 per person/$50,000 per accident for bodily injury. This liability insurance covers injuries for which you are at-fault.
- $25,000 per accident for property damage. This property damage liability coverage insures any damage for which you are at-fault.
You must also carry your proof of insurance in your vehicle at all times.
Though you are only required to carry these foundational coverages, communicate with a car insurance agent to discuss whether you should consider adding comprehensive and collision coverage, which protects you more fully than liability coverage alone. Without comprehensive and collision coverage, you won’t be insured for damages incurred by other drivers.
Frequently Asked Questions
What is the cheapest car insurance in North Dakota?
The cheapest car insurance in North Dakota on average can be purchased through Geico. However, another company may have cheaper insurance for you depending on your age, driving habits, credit score and discounts.
What information is needed to get car insurance in North Dakota?
To purchase car insurance, you will need to provide information regarding your age, address, make and model of your vehicle, annual mileage estimate and driving record.
What factors can make my car insurance premium more expensive?
A range of factors can affect the cost of your auto insurance. For instance, younger drivers and those with automobile accidents on their records incur much higher insurance premiums.
Do I have to be insured to drive in North Dakota?
Yes, North Dakota forbids drivers from operating a motor vehicle that is uninsured.