North Dakota Car Insurance
If you are excited by saving money, North Dakota is an excellent place to be driving in. Not only are there a multitude of ways for saving money on your automobile insurance plan, but the state has average car insurance rates that are over 12% less than the national average. Many variables are utilized to determine rates, including a person’s age, driving history, marital status, gender, and others as well. Knowing what the auto insurance requirements for North Dakota are, as well as the average costs for insurance in various places in the state, can help people find the best deals for car insurance.

Auto Insurance Requirements In North Dakota
In North Dakota, drivers are required to carry auto insurance plans. There is a minimum amount of coverage for each insurance type, called a minimum limit. The minimum limits are the lowest amount of insurance a person can purchase in order to be driving legally in the state. Many people choose to get more car insurance to further protect themselves in case an accident occurs. The requirements for car insurance in the state include bodily injury coverage, property damage coverage, uninsured motorist coverage, underinsured motorist coverage, and personal injury protection.
This is more insurance coverage than many states mandate for minimum limits, but with the cost of policies being less on average, there are many good deals for drivers. The minimum limits for car insurance in North Dakota include bodily injury liability coverage in the amounts of $25,000 per person and $50,000 per accident. Property damage liability coverage is also required, and the amount of $25,000 per accident. Other types of insurance that are required include underinsured/uninsured motorist bodily injury coverage in the amounts of $25,000 per person and $50,000 per accident. Lastly, personal injury protection, also called PIP, is required in the amount of $30,000 per person.
Average Cost Of Coverage In North Dakota
The average costs for car insurance in North Dakota are just over $1,300. The rates for car insurance in the state can vary drastically, however. In some areas, the average rate is up to 73% cheaper than the rates from the most expensive policies. Each auto insurance company uses different formulas to determine auto insurance rates. Some companies have lower rates on average, as do some cities and areas within the state of North Dakota. To find the best deal for you, begin searching on this website for the free quotes that are available from different car insurance providers. Starting with the cheapest auto insurance companies in North Dakota, you can find the best deal for your specific situation.
Cheapest Car Insurance Companies In North Dakota
The cheapest car insurance companies in North Dakota include State Farm, Allied, Auto Club Group, and Geico. Allied also comes in with the lowest rates, averaging under $1,000 annually for a policy in the state. Keep in mind that each person’s rates can be above or below a company’s average.
Cheapest Car Insurance In North Dakota By City
The city a person lives in and garages their car in does have an impact on auto insurance rates in the state. Some of the cheapest auto insurance in North Dakota can be found in West Fargo, Grand Forks, Fargo, and Jamestown.
Most Expensive Car Insurance In North Dakota By City
Some cities are more expensive than the states average, overall. These include cities like Crosby, Beulah, and Parshall. No matter what city you’re looking to purchase an insurance policy for, there are numerous ways to save money. It is also important to remember that driving without insurance comes with hefty fines and penalties in the state.
Laws, Rules, And Penalties In North Dakota
The penalties for driving without insurance in North Dakota can vary depending on whether or not it is a person’s first offense or not. Fines can range between $150 and $5,000 depending on the offense. While first offenders do not risk imprisonment, people with multiple offenses within one year can face up to 30 days in prison. Also, drivers can have their driver’s license suspended and/or the removal of their plates. To reinstate a driver’s license, a $50 reinstatement fee must be paid.
How To Save Money On Car Insurance In North Dakota
The way to avoid penalties for driving without insurance in North Dakota is to have a policy. Compare rates from multiple companies here on this site, and make sure to look into each and every discount you qualify for in order to save the most.