North Dakota and its 87,688 miles of roadways has, like any state, inherent dangers when it comes to driving. For example, 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.
According to the North Dakota Transportation Handbook, 113 people were killed in vehicle accidents in the state of North Dakota during the year 2017. Given these dangers and facts it is increasingly important to make sure you’re finding the best car insurance in North Dakota.
Best car insurance companies in North Dakota
While it may be challenging to narrow down the best 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. Power and Associates 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.
|Provider||Average annual full coverage premium||J.D. Power customer satisfaction score|
Allstate scores a steady 832 out of 1000 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 tops the J.D. Power rankings, scoring 868 out of 1,000 for overall customer satisfaction in the US Central region. Coverage options are great, including roadside assistance, new car replacement, gap insurance and diminished value coverage. Auto-Owners also offers rental car insurance, classic car insurance and insurance for converted or modified cars.
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 the second-highest score for customer satisfaction.
With an A+ (Superior) rating from AM Best, Progressive also scores above-average for customer satisfaction from J.D. Power. What it’s really known for, however, is expansive coverage options that include personal injury protection (PIP), roadside assistance, gap insurance, rental car insurance and rideshare coverage if you drive for companies like Uber and Lyft. Pet lovers also appreciate that there is free coverage for pet injuries. With the Name Your Price® Tool, Progressive helps you keep premiums low, along with both small and large accident forgiveness.
Average car insurance cost in North Dakota
The average cost of full coverage car insurance in the U.S. is $1,674 annually, but you won’t pay that much in North Dakota. For the average car insurance in North Dakota, you will pay $285 per year for minimum coverage and $1,264 per year for full coverage.
|Average annual premium for minimum coverage in North Dakota||Average annual premium for full coverage in North Dakota|
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.
How to get the best car insurance
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.
- Evaluate your needs: Shop around to find the most affordable coverage options. 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.
- Consider state factors: 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. You must also carry your proof of insurance in your vehicle at all times. Though you are only required to carry foundational coverages, communicate with a car insurance agent to discuss whether you should consider adding comprehensive and collision insurance, 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.
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. Ask an insurance agent about the various discounts available for you can take advantage of, such as home and auto policy bundle discounts.
|Automatic payment/paperless billing||X|
|Defensive driving course||X|
|Low annual mileage||X||X|
|Occupational or organizations||X|
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.
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.