Auto Insurance in North Dakota
North Dakota’s auto insurance rates are on the low side — on average $1,211 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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North Dakota became a state in 1889 and has the railroad to thank for boosting its population numbers; Fargo and Bismarck are its top two population centers. The state borders Canada and several U.S. states. Its climate varies, but all areas experience four seasons. The state undergoes below-freezing temperatures and blizzards in the winter, and it’s also southern enough to get tornadoes in the summer. The weather poses certain risks to drivers, and state law requires that drivers carry liability insurance, uninsured/underinsured motorist coverage, and no-fault insurance. Comprehensive coverage is not required, but it can protect you in dangerous weather.
North Dakota Minimum Liability
North Dakota’s minimum liability coverage lags behind the recommended minimum of 50/100/50. These numbers mean you have $50,000 per-person coverage, $100,000 per accident and bodily injury coverage, and $50,000 in coverage for property damage. The figures for North Dakota are 25/50/25, and when the ideal coverage level of 100/300/100 is factored in, North Dakota falls even more behind.
In 2013, the average bodily injury claim equaled $15,443. While North Dakota’s minimum coverage requirements provide for this amount, the number is only an average. Half of the claims cost more than that, and paying the difference can mean you’re responsible for tens of thousands of dollars, or even more.
To boost your chances of getting the best coverage, shop for quotes from multiple car insurance companies. Compare the rates and coverage levels each company provides. The rates can be drastically different because each insurer has a different way of looking at your profile. Comparison shopping takes some time, but it usually pays off.
Cheapest Car Insurance in North Dakota
- $1,130American Family
- $1,988National Farmers Union P&C
- $929State Farm
- $778Nodak Mutual
If you desire low-cost auto insurance, the companies here are good choices. Our research shows that these insurers offered cheap rates.
To be sure, inexpensive premium payments are an obvious benefit to picking a company like this, but there could be trade-offs. For example, the process may be less intimate, with customer service not as efficient and claims being harder to reimburse. If you’re not a frequent driver or aren’t affected by those possibilities, then a low-cost insurer could be for you.
Most Popular Companies by Marketshare
- American Family
- National Farmers Union P&C
- State Farm
- Nodak Mutual
The insurance companies on this list are the most popular in North Dakota. One reason is because they emphasize the unique needs of North Dakota drivers. A second reason is that their advertising budgets allow them to directly market to consumers. Remember that being popular does not necessarily equate to the best coverage.
While those popular companies should be included when you compare quotes, obtain rates from lesser-known insurers as well. This keeps your search as comprehensive as possible so you can find the best deal.
Choosing the Best Car Insurance in North Dakota
Naturally, you want a car insurer that you can connect with for quite some time, perhaps even for the rest of your life. The best-rated companies have a history of providing solid service, so getting quotes from them is a good way to start the insurance process for you and your car.
The companies represent the best North Dakota auto insurers. When we research companies, we look at considerations such as fair premiums, extensive coverage, customer service, discounts, and access to real agents.
Where is car insurance most affordable?
The specific car insurance rate that you pay depends on considerations such as your driving history, address, and other factors.
North Dakota drivers pay a little more than the national average, with drivers in Bismarck paying a smidgen more than the state average, and drivers in Fargo paying a bit less.
Car insurance in other areas of North Dakota can diverge considerably from the state average, so if you live outside of Bismarck or Fargo, look at quotes from multiple companies to see how they stack up compared with the national and state average.
Bismarck Auto Insurance
Bismarck, straddling Interstate 94 in the southern part of North Dakota, has a population of about 67,000, and is the state capital. Extreme storms are rare, but winters can be snowy and windy, with below-freezing temperatures. The Capital Area Transit System runs public buses through the Bismarck area, but residents tend to depend on driving to get around. Be sure to shop with multiple car insurers because different carriers analyze your data differently.
Fargo Auto Insurance
Fargo, on the North Dakota border with Minnesota, boasts a population of about 114,000. Interstates 29 and 94 run through the area, and winter weather is a definite hazard. In 2011, Fargo earned the dubious honor of being The Weather Channel’s toughest weather city due to floods, extreme cold, and blizzards. Temperatures fall to or below 0 degrees Fahrenheit about 43 nights a year. Despite the winter weather hazards, Fargo drivers pay a little less than the state average in car insurance.
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