The average annual cost of minimum auto insurance in North Dakota is $334. USAA has the lowest annual rate for this type of coverage at $190 per year. North Dakota is sparsely populated, which helps to reduce the chance of a crash since fewer people are on the road. This leads to lower car insurance rates.
Even though North Dakota has cheap average car insurance premiums, you'll still want to get the best value for your money. This article will go over the state's insurance requirements, as well as valuable industry knowledge to help you get the best mix of price and coverage. We will cover:
- Average car insurance rates in North Dakota
- North Dakota's cheapest auto insurance premiums
- Best car insurance providers in North Dakota
- North Dakota's auto insurance laws
What are North Dakota's average auto insurance rates?
How much does car insurance cost in North Dakota? Our research shows that the average annual rate for minimum coverage in the state is $334 per year. The average annual full-coverage rate comes in at $913 annually. These costs are far below the national average of $641 a year for minimum coverage and $1,255 a year for full coverage. Remember that other factors affect your car insurance rate, including your ZIP code, insurance claim record and driving history.
North Dakota's cheapest car insurance rates
The graph below shows the average annual rates for minimum auto insurance from the top insurers in North Dakota, ranked by premium cost. USAA has the lowest average annual premium of $190 per year and Allstate has the highest average annual premium of $523 per year.
Keep in mind that these rates are for the minimum coverage required in North Dakota. Once you start looking for more coverage, premiums go up. To make sure you're getting your cheapest auto insurance rate, compare quotes from multiple insurance providers.
Best auto insurance companies in North Dakota
The table below shows North Dakota's best auto insurers based on state market share and ratings from J.D. Power's 2020 auto insurance study. The table gives an overview of where North Dakotans prefer to buy car insurance. In terms of market share, Progressive has the highest, at 15%, while State Farm has the second-highest, at 13%. The average J.D. Power satisfaction rating of the reviewed providers is 830, which all of the top providers are fairly close to, if not above.
| Company | North Dakota market share | 2020 J.D. Power satisfaction rating (out of 1,000) |
|---|---|---|
| Progressive | 15% | 824 |
| State Farm | 13% | 829 |
| Nodak Insurance Company | 10% | NA |
| American Family | 9% | 827 |
| USAA | 5% | 897 |
| GEICO | 4% | 851 |
| Auto-Owners | 3% | 845 |
| Farmers | 3% | 831 |
| Grinnell Mutual | 3% | NA |
| North Star Mutual | 3% | NA |
| Allstate | 2% | 830 |
| MetLife | 2% | NA |
| Nationwide | 2% | 828 |
| State Auto Insurance | 2% | NA |
| Farmers Union | 0.32% | NA |
Note: Market share rates are based on non-binding estimates provided by S&P.
North Dakota car insurance laws
What is the minimum required auto insurance in North Dakota?
Under North Dakota state law, drivers are required to maintain the following minimum car insurance liability limits:
- Individual bodily injury liability: $25,000
- Total bodily injury liability: $50,000
- Property damage liability: $25,000
North Dakota is also one of 12 “no-fault” states. This means your car insurance company pays for injuries to you and any passengers in your car at the time of an accident, no matter who is at fault for it.
In no-fault states, personal injury protection (PIP) is the part of your car insurance policy that covers medical expenses and lost wages up to a set limit. North Dakota law requires drivers to have at least $30,000 in PIP coverage. Drivers are also required to carry $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Recommended auto insurance limits
While the liability limits required in North Dakota may seem sufficient, it may not take much for a long hospital stay or extended litigation to tear through that money. Any costs resulting from an accident beyond your coverage limits come directly from your pocket. This can result in you being responsible for thousands of dollars.
To make sure you don't have to worry about facing financial ruin, we recommend you increase the minimum liability limits to the following:
- Individual bodily injury liability: $100,000
- Total bodily injury liability: $300,000
- Property damage liability: $100,000
It usually doesn't cost a lot to increase your auto insurance coverage to these levels. In fact, if you can afford to increase your total bodily injury liability to $500,000, this can give you sufficient coverage to handle most large claims.
North Dakota SR-22 requirements
In the event that your driver's license is suspended, North Dakota state law requires you to file an SR-22 form. An SR-22 is proof that you carry the minimum required limits of liability insurance.
North Dakota law requires you to carry an SR-22 for 12 months. You may also deposit $25,000 in cash or securities with the state treasurer in lieu of filing an SR-22 form.
DUI laws in North Dakota
If you are pulled over and found to have a blood alcohol content (BAC) of 0.08% or higher, you are guilty of driving under the influence (DUI). The legal penalties for a DUI in North Dakota include:
- A Class B misdemeanor.
- $500 in fines if BAC is below 0.16%.
- Two-day imprisonment and $750 fine if BAC is higher than 0.16%.
- Addiction evaluation.
- Ninety-one-day license suspension if BAC is below 0.18%.
- One-hundred-eighty-day suspension if BAC is 0.18% or higher.
These aren't the end of the penalties you may face. You will likely see an increase in your auto insurance rates after a DUI as well. We've found that your annual premium can rise $5,000 after a DUI conviction. This assumes that auto insurers don't find you too high-risk to cover after a conviction.
North Dakota Insurance Department
Website: Homepage
Phone number: (800) 247-0560
Address: 600 E. Boulevard Ave., Bismarck, ND 58505
Insurance commissioner: Jon Godfread
File a consumer complaint: Complaint page
Methodology
QuoteWizard compiled the average rates used in this article based on the following variables:
- A 35-year-old single driver.
- Employed, with a bachelor's degree college education.
- Excellent credit score and zero accidents.
- Drives a 2012 Honda Accord LX with an annual mileage of 16,000 miles.
Sources:
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