Compare & Find the Cheapest Car Insurance in North Dakota (Nov 2024) - Jerry (2024)

How to find the cheapest car insurance quotes in North Dakota

No single car insurance provider offers the cheapest rates for everyone—that’s why it pays to shop around for cheap auto insurance quotes online and compare your options.

Jerry makes shopping for car insurance in North Dakota faster and easier than ever. In an instant, you can start comparing quotes from top providers to find the right level of coverage at the best available price.

Cheapest car insurance companies in North Dakota

To find out which car insurance providers offer the cheapest premiums in North Dakota, Jerry conducted the nation’s largest insurance shopping survey.

The conclusion? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.

The results: There’s no across-the-board “best” or “cheapest” car insurance provider—which makes sense, considering each one has its own methodology to determine rates.

National General, Progressive, and Travelers are all popular among North Dakota drivers—but the right provider for you depends on your coverage needs and what you’re looking for in a provider.

Just as important as a great rate is customer satisfaction. Here’s what car insurance customers have had to say about their experiences with different providers.

The best—and fastest—way to compare car insurance quotes: Use a car insurance comparison app or website—like Jerry.

As a licensed insurance broker app, Jerry allows you to quickly and easily find and compare car insurance quotes online. With the help of 100+ licensed insurance agents, Jerry can even help you switch to your new policy and cancel your old one.

Minimum car insurance requirements for liability and full coverage in North Dakota

Most states require that drivers carry a minimum amount of liability coverage—and that includes North Dakota. North Dakota drivers must also carry uninsured/underinsured motorist coverage and personal injury protection (PIP).

Cheapest minimum liability coverage in North Dakota

Before you can legally take to the streets of North Dakota, you’ll need to have a car insurance policy that satisfies the state’s minimum requirements:

• Bodily injury liability: $25,000 per person, $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist coverage / underinsured motorist coverage: $25,000 per person, $50,000 per accident
• Basic no-fault coverage (a.k.a. personal injury protection): $30,000 per person

These coverage limits are commonly referred to as 25/50/25.

Jerry helps drivers find quotes for affordable car insurance that meets North Dakota’s car insurance laws.

Do you need more than the minimum liability insurance coverage in North Dakota?

Most drivers will benefit from additional car insurance coverage in North Dakota.

That’s because more severe accidents could easily exceed the coverage limits of a minimum liability policy.

Plus, none of the required coverage types mentioned above will cover damages to your own vehicle—which could put you in a difficult financial situation if it’s totaled.

Even if you decide you don’t need full coverage, choosing higher limits can offer you better financial protection after an accident.

Cheapest full coverage North Dakota auto insurance quotes

Unlike a minimum liability policy, a full-coverage car insurance policy—which includes both comprehensive coverage and collision coverage—will pay for damage to your own vehicle under a wide range of circumstances, such as crashes, severe weather, theft, and vandalism.

Keep in mind: If are financing or leasing your car, lenders typically require that you carry full coverage insurance for the life of your loan or lease.

Luckily, Jerry makes it easy to find an affordable full-coverage car insurance policy in North Dakota.

Average rates for minimum liability coverage and full coverage car insurance in North Dakota

In North Dakota, we’ve found that the average rate for minimum liability coverage is $119 per month or $1,433per year. The average cost for full coverage insurance in North Dakota is $131 per month or $1,576per year, according to Jerry’s data.

Remember: Your actual auto insurance coverage costs will depend on a variety of factors unique to your driver profile, including your driving record, vehicle type, claims history, demographics, and the coverage level you choose.

North Dakota car insurance: Additional coverages

In addition to collision and comprehensive coverage, there are plenty of other car insurance coverage options in North Dakota to consider, including:

• Towing and labor
• Rental reimbursement coverage
• New car replacement coverage

If you have a car loan: Gap insurance is worth considering if it’s not already required. If your car is totaled and your loan balance is higher than the actual value of your vehicle, this coverage will help pay for the difference.

Learn more: Types of insurance

Car insurance premium by rating factors

Every auto insurance company in North Dakota has its own methodology to calculate your car insurance rate. They’ll evaluate factors like:

• Your driving record: You can generally expect to pay more for car insurance if you have accidents or violations on your North Dakota driving record. Good drivers with clean records should find lower rates.
• Your claims history: Drivers who have filed insurance claims in the past are considered statistically more likely to file claims again.
• Where you live: Your ZIP code—even within the same city—can have a big impact on your rates due to factors like accidents, crime, and severe weather risks in your area.
• Your credit score: In many states, including North Dakota, a strong credit history could help you secure a less expensive car insurance premium.
• What kind of vehicle you drive: Collision and comprehensive coverage generally cost more for newer, luxury, and sports cars.

How to find cheap North Dakota car insurance if you’re a high-risk driver

Your driving record helps give insurers a sense of your habits as a driver. If you have a series of violations on your record, you can expect to pay steeper rates for car insurance.

Cheapest car insurance for North Dakota drivers with a speeding ticket

Not all speeding violations are the same; after all, driving 20 mph over the speed limit is more serious than 6 mph over the speed limit.

While having a speeding ticket on your record will usually leave you with a more expensive premium, shopping around for auto insurance quotes can still help you find the best rates for your situation.

Jerry has helped drivers with tickets find cheaper rates on car insurance—even with tickets on their records!

How to find cheap North Dakota auto insurance after a DUI

DUI violations result in some of the steepest car insurance rate increases. That said, seeking out multiple quotes can help you save as much as possible.

Compare quotes on the Jerry app to find the lowest rate on car insurance after a DUI in North Dakota.

North Dakota SR-22 insurance

After a serious violation like a DUI, high-risk drivers may be required to file an SR-22 certificate in North Dakota.

An SR-22 is filed on your behalf by your insurance provider to confirm you have car insurance coverage that meets North Dakota’s minimum requirements.

You might also need to file an SR-22 for:

• Getting into an accident without insurance
• Felony convictions involving a motor vehicle

Cheapest North Dakota auto Insurance after an at-fault accident

Yet another major factor that will affect your North Dakota insurance premium is your accident or claims history.

Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.

Cheapest auto insurance after other violations in North Dakota

Yet another major factor that will affect your North Dakota insurance premium is your accident or claims history.

Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.

• Is North Dakota an at-fault state?

  North Dakota is a no-fault state: This means drivers are subject to more minimum insurance requirements than states that only require liability insurance—and as a result, the average insurance cost for minimum liability coverage is more expensive in North Dakota.

  It also means that drivers involved in a car accident in North Dakota must turn to their own insurance first.

  North Dakota uses a comparative fault system, so the amount of coverage you can receive from another driver’s insurance depends on the determined percentage of fault for each involved driver—including you.

Cheapest North Dakota auto insurance based on insurance history

Your insurance history can also have an impact on your current car insurance rate. For example, if you had a lapse in insurance coverage, you might have a more expensive premium than you would otherwise.

Good news: Jerry sends customers payment reminders to help avoid missed or late payments, and ultimately, lapses in coverage.

But even if you have experienced a coverage lapse, you might still be able to find savings by shopping around.

Cheapest car insurance for drivers with poor credit

In North Dakota, insurance companies are allowed to consider your credit history when determining your car insurance rate. Drivers with poor credit are statistically more likely to file insurance claims and often see higher rates as a result.

On the flip side, drivers with good credit will find it easier to get lower rates.

Our data shows that drivers with credit scores of 750 or higher see insurance costs that are almost 20% lower than the average cost for drivers with credit scores of 550 or lower.

Cheapest North Dakota car insurance by age

Age plays a significant role in determining the cost of your car insurance premium.

Young drivers see some of the highest rates due to a lack of experience on the road (so far). Fortunately, by age 25, rates gradually start decreasing for safe drivers. Car insurance for seniors tends to rise around age 75.

Cheapest North Dakota car insurance for young drivers

Teen drivers aged 16 to 19 will have the highest average insurance costs in North Dakota.

Because teen drivers are statistically more likely to get into accidents, full coverage is worth consideration—especially for those driving newer vehicles.

Learn more: The best cheap car insurance for teens

Cheapest North Dakota car insurance for senior drivers

Car insurance rates generally start to rise again when drivers reach their mid-70s.

How to find car insurance discounts in North Dakota for your motor vehicle

The vehicle you own also affects what you pay for car insurance. Insurers will look at your vehicle’s make and model, its age, its safety features, and its potential repair and replacement costs.

The most popular car models in North Dakota include:

• Ford F-150
• GMC Sierra
• Chevrolet Equinox
• Ram 1500

Is it cheaper to insure a new car or a used car?

New cars are typically more expensive to insure than older cars.

The average annual premium for a car older than 10 years old is $1,402 per year in North Dakota. The average cost for insuring a car less than 4 years old is about $2,158 per year.

How to find cheap car insurance in North Dakota in your city

Where you live is one of the many factors car insurance providers will look at when determining the cost of your premium.

Your area’s population density, local accident rates, crime rates, and risks for severe weather can all affect your car insurance costs. But in many cases, you can save if you’re able to keep your vehicle in a locked garage where it’s better protected from the elements and potential theft.

Here’s what Jerry drivers pay for car insurance in various locations throughout North Dakota.

How to lower the cost of car insurance in North Dakota

Courtesy of Jerry’s team of licensed insurance agents, here are several ways you can cut down on your car insurance costs:

1. Shop around and compare quotes from multiple insurance providers.
2. Find out which car insurance discounts you are eligible for—like good student discounts, safe driving discounts, and low mileage discounts.
3. Bundle your car insurance with homeowners insurance or renters insurance to get a discount.
4. Raise your comprehensive and collision coverage deductibles if it makes sense for your situation.
5. Take steps to boost your credit score.
6. Take an approved defensive driving course—many providers will reward you with a discount.
7. Consider dropping collision and comprehensive coverage on older or low-value cars.

Why is car insurance so expensive in North Dakota?

There are plenty of factors outside your control that can affect your North Dakota insurance costs.

North Dakota drivers tend to have more reasonable insurance rates compared to drivers in many other states—still, here are some reasons your car insurance might seem expensive in North Dakota:

• Expensive healthcare: When the cost of medical care goes up, so does the cost of car insurance claims that involve injuries.
• Rising vehicle repair costs: Inflation has made the cost of car parts and repair services more expensive in North Dakota, like much of the country. When repairs are more expensive, insurance companies have to pay out higher amounts for each claim.
• Rate of car thefts: Car theft has steadily increased in North Dakota in recent years. According to F.B.I. crime data, the auto theft rate in 2020 was 271 vehicles per 100,000 people, compared to just 143.9 vehicles in 2011.