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Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
Nearly all states require drivers to carry some car insurance to protect others on the road in the event of an accident. Fortunately, North Dakota auto insurance is reasonably priced, especially for those with less-than-perfect driving histories. Here's a closer look at the cheapest car insurance in North Dakota for several common driver profiles.
A 35-year-old female driver with a clean record pays about $1,949 per year on average for North Dakota auto insurance while her male counterpart pays a little more at $2,012 per year. But Geico offers both drivers more competitive rates. Its average annual premium is just $1,324 per year for female drivers and $1,337 per year for male drivers.
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The following companies also offer some of the best car insurance in North Dakota:
Drivers with a single accident on their records will see their North Dakota auto insurance premiums climb to $2,607 per year. But those who choose American Family will barely notice an increase. Its average annual premium for these drivers was $1,469 per year.
These insurers are also some of best car insurance companies in North Dakota for drivers with an accident history:
Speeding tickets also boost the average North Dakota auto insurance premium. Drivers with one ticket pay $2,458 annually. But those who go with State Farm pay a more affordable $1,681 per year.
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These companies also offer cheap auto insurance in North Dakota to drivers with speeding tickets:
Young drivers have the highest average North Dakota auto insurance rates. A typical 18-year-old male with a clean driving record pays around $5,344 annually. But American Family will cover a teen for about half that -- $2,609 per year.
These companies also offer cheap car insurance quotes in North Dakota to teens:
Seniors only pay about $1,661 per year for North Dakota auto insurance. But those who choose Geico can shave over $600 off this average. It only charges seniors about $1,003 per year.
These companies also offer affordable car insurance in North Dakota to seniors:
North Dakota minimum car insurance costs about $459 per year. But those who go with North Dakota Mutual Insurance can get the same protection for just $322 annually.
Drivers can also find cheap liability car insurance in North Dakota with these insurers:
Poor credit also raises the typical North Dakota auto insurance premium. These drivers can expect to pay about $3,410 per year on average. But those who choose American Family only pay about $2,084 per year.
These insurers also offer low-cost car insurance to drivers with bad credit:
How much is car insurance in North Dakota? Typically, North Dakota rates fall a little below average. But it depends on several factors, including where in the state the driver lives, what kind of vehicle they have -- and whether they have any accidents, speeding tickets, or other negative marks on their driving record.
Here's a closer look at how it stacks up to the national average for some of the driver profiles listed above.
| Average Rate Category | North Dakota | National Average |
|---|---|---|
| Overall | $2,478 | $2,875 |
| Young drivers | $5,344 | $6,087 |
| 1 accident on driving record | $2,607 | $3,226 |
| 1 speeding ticket on driving record | $2,458 | $2,840 |
Here are a few North Dakota car insurance laws all drivers should familiarize themselves with:
North Dakota is one of the few no-fault auto insurance states in the U.S. This means that, in the event of an accident involving injury, each person bills their own insurance for their medical costs, regardless of who was at fault. For severe accidents, it is often still possible to sue the at-fault driver. This is different from at-fault states where the driver found to be at fault for the accident pays the medical costs for all parties involved.
Drivers who skip North Dakota auto insurance could face the following consequences:
Here's the minimum North Dakota car insurance required by law.
Drivers must carry at least:
Drivers must also have at least $25,000 of property damage liability coverage.
Drivers must also have uninsured/underinsured motorist coverage in the same quantities as the bodily injury liability insurance outlined above.
North Dakota drivers must also carry at least $30,000 of personal injury protection (PIP).
Here are some tips drivers can use to score cheap car insurance in North Dakota:
Here are a few other things North Dakota drivers ought to be aware of when shopping for car insurance.
State minimum coverage is necessary to drive legally on the roads, but it isn't always sufficient in a serious accident. An insurance company will pay up to the limit on the policy, but if the damages cost more, the driver will have to pay for the rest out of their own pocket. This could easily add up to several thousand dollars. That's why it's usually best to purchase more coverage whenever possible.
Drivers seeking protection for their own vehicle should add collision and comprehensive coverage to their policies. Collision coverage pays for damages due to an accident with another vehicle or a single-car accident. Comprehensive coverage takes care of damages due to bad weather, theft, vandalism, or animal-vehicle collisions.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
