Average Annual Premiums in North Dakota = $1,426  | via Insure.com

Cheap Insurance North Dakota

Cheap Insurance North Dakota

Driving in North Dakota

Insurance Information

Thanks to a boom in the state's natural recourse industry, ND enjoys an unemployment rate of only 2.7%! This industry has also led to a rapid increase in population which has led to insurance companies readjusting their rates. The average annual premium has been rising nationwide, and ND is no exception, so we recommend getting new quotes at least twice a year. There are many ways to compare all the options for cheap insurance North Dakota has to offer, especially with so many online tools at your disposal!

If you're a new resident of North Dakota, we put together some information that will help you understand the state's requirements, and various factors that influence the price you will pay for your auto insurance.

As always, feel free to call or email us if you have any questions, or just want to speak to a live agent.

North Dakota's insurance requirements

In order to register your vehicle in the state, you're going to need to purchase a policy that includes the following minimum coverage:

  • $25,000/$50,000 for bodily injury liability (per person/per accident).
  • $25,000/$50,000 uninsured/underinsured motorist coverage (per person/per accident).
  • No-fault coverage (or Personal Injury Protection) of at least $30,000.

More information, including a detailed explanation of these coverage can be found on North Dakota's Insurance Department website.

Other Helpful Info

  • The number of DUI arrests in North Dakota is substantially lower than most states, but organizations like MADD are pushing for stricter legislation. As it stands, if you are convicted of a DUI you will be required to file an SR22, or proof of financial responsibility. This also applies to people moving from another state. If you had a filing in your previous state, you will need to keep it filed in North Dakota as well.
  • 9% of drivers in North Dakota are uninsured.
  • There were over 810,000 registered vehicles in the state as of 2012, with a little over 500,000 drivers. This number has undoubtedly risen since then however.

Other Resources

The North Dakota Department of Transportation Traffic Safety Office targets behavioral modification programs in order to improve the safety and well being of the public.

More information on DUI convictions can be found in this guide by the ND Dept. of Transportation. Their website also handles online licensing and registration renewals.

We Have Your Town Covered!

Average Annual Premiums in North Dakota = $1,426  | via Insure.com

Have questions about auto insurance in your state? Want a quote for car insurance? Start with your zipcode for a fast, free quote.

OR speak to an agent:

(844) 334-6206

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Not Convinced?

Local North Dakota agencies we can beat in price.

Auto Owners Insurance Co
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1711 Gold Dr S Ste 110
Fargo, ND 58103
(701) 235-5098

Hektner-Lybeck-Erickson Insurance
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3345 39th St S Ste 1
Fargo, ND 58104
(701) 293-0011

Farmers Union Insurance
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3015 13th Ave S
Fargo, ND 58103
(701) 232-3787