Did you recently move to North Dakota? Or maybe you’re a long time resident who just got their driver’s license or a new vehicle? In that case, you’re probably looking for cheap car insurance in North Dakota. Cheapinsurance.com is here to assist with car insurance quotes from a variety of insurance companies.

Quick North Dakota Car Insurance Facts

Before you get into car insurance shopping, check out these quick North Dakota car insurance facts:

  • North Dakota car insurance rates are on the rise, costing an average of $512 per year or $43 per month.
  • There are 545,027 drivers in North Dakota, 13% of which are uninsured.
  • The state has an average of 95 fatal car accidents annually.
  • North Dakota state law requires all drivers to carry car insurance that meets the limits of $25,000/$50,000 for bodily injury insurance and $25,000 for property damage.
north-dakota

Prairie Cruising: Updates & Auto Insurance Insights in North Dakota For 2024

Get ready to explore the vast plains, charming towns, and stunning Badlands of North Dakota with these key updates for drivers in 2024


North Dakota Vehicle Code Changes:

  • No major code changes implemented in 2024: Existing laws regarding distracted driving, speeding, and other critical regulations remain in effect. (Source: North Dakota Century Code Title 39)
  • Continued focus on rural road safety: State initiatives for improved signage, rumble strips, and other measures remain ongoing. Stay updated through the North Dakota Department of Transportation. (Source: North Dakota Department of Transportation)
  • Increased awareness for autonomous vehicle testing: Limited pilot programs for testing autonomous vehicles on designated roads may begin. (Source: North Dakota Senate Bill 339)

Remember: These are highlights, and other changes may apply. Visit the North Dakota Department of Motor Vehicles website for complete information. (Source: North Dakota Department of Motor Vehicles)

Affordable Auto Insurance Quotes in North Dakota (2024):

(Sources: The Zebra, ValuePenguin)

Company

Full Coverage

Minimum Coverage

State Farm

$1,317

$445

GEICO

$1,263

$401

Progressive

$1,351

$387

Farmers

$1,400

$429

Liberty Mutual

$1,459

$457

Individual rates for cheap car insurance in North Dakota can vary significantly based on driving history, location, vehicle type, and desired coverage. Consider factors like the mandatory 25/50/25 liability coverage limit when comparing options.

Minimum North Dakota Car Insurance Coverage

North Dakota drivers must adhere to minimum car insurance coverage requirements or face penalties such as fees, jail time, and license suspension. Here are the current state minimum liability requirements: 

  • Bodily Injury: $25,000 for the death or injury of one other person and $50,000 per accident
  • Property Damage: $25,000 total for death or injury of all affected people
  • Uninsured Motorist: $25,000 per person and $50,000 per accident
  • Underinsured Motorists: Equal to uninsured motorist coverage
  • Basic No-Fault (PIP): $30,000 per person

Cheap Car Insurance Quotes In North Dakota

Ready to find cheap car insurance Quotes? Follow these tips to help reduce the cost:

  1. Choose minimum coverage: Minimum coverage is always cheaper than full coverage, so start there if you’re on a budget.
  2. Compare many car insurance providers: Don’t settle for the first automobile insurance quote you receive! Shop around to ensure you’re getting the best insurance quote.
  3. Always be on the defense: Defensive drivers are less likely to get in accidents or receive traffic tickets, which can run up your auto insurance rates.
  4. North Dakota insurance programs: Find out if you qualify for state run car insurance discount programs to reduce car insurance rates.

Car Insurance Discounts

We have more good news for you! Discounts for car insurance are available:

  • Good Driver: If you have a great driving record, you will get inexpensive auto insurance quotes.
  • Good Student: Many teens and college students can qualify for cheap insurance in North Dakota if they have good grades.

North Dakota Car Insurance Frequently Asked Questions

What is the average cost of car insurance in North Dakota?

Car insurance in North Dakota costs about $512 annually, on average.

How much is auto insurance per month in North Dakota?

The average driver pays about $43 per month for auto insurance.

What is the penalty for driving without  vehicle insurance in North Dakota?

Those who drive without vehicle insurance in North Dakota will be required to pay fines, spend time in jail, or have their license and registration revoked for a period of time.

What is driving like in North Dakota?

There are about 95 fatal car accidents in North Dakota every year, and 13% of drivers are uninsured. The state boasts wide open spaces and many sparsely populated areas so that you won’t have as much company on the road.

How can I save money on auto insurance in North Dakota?

Looking for more ways to get cheap auto insurance in North Dakota? Ask about the following discounts to further reduce your insurance quotes: 

  • Multi-car discounts 
  • Mature, student, or good driver discounts 
  • Airbags, anti-theft devices, or safety feature discounts
  • Installment payment plan discounts
  • High deductible discounts

Other Types of Insurance Coverages

Minimum car insurance coverage isn’t right for everyone. Here are some other types of coverages that are important to add:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Endorsements and Riders