Cheap Car Insurance in North Dakota

Scouring the web for North Dakota automobile insurance? If you live in Fargo, Bismarck, Grand Forks, Minot, or West Fargo, you may get up to ten rate quotes from major insurers locally from Rates can vary by agency and you ought to compare rates thoroughly before you buy a policy. We’ll help you acquire the coverage to meet your needs.

North Dakota Auto Insurance – Average Premiums

State average costs for automotive insurance in North Dakota are hanging around $77 right now. However, it truly all is dependent in your zipcode. Individuals who park their vehicle in a home in Grand Forks, for instance, might simply be having to pay around $65/mo for his or her insurance charges. However in a far more costly city, like Minot, monthly costs may be as high as $95 or greater.

Average Auto Insurance Costs in North Dakota Legend: Major City Bismarck Fargo Grand Forks Minot West Fargo State Average 10 20 30 40 50 60 70 80 90 $79 $72 $65 $95 $72 $77



Important North Dakota Auto Insurance Laws and Requirements

Finding cheap North Dakota car insurance is much easier than you might think. Due to the fact that North Dakota is a no-fault state, you will be required to purchase no-fault insurance in the form of PIP coverage. Additionally, UM/UIM and Liability coverage are also required, with legal limits equal to those of the Liability coverage minimums:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability25,000100,000
Uninsured Motorist Bodily Injury25,000/50,000100,000/300,000
Underinsured Motorist Bodily InjuryNot required100,000/300,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Choosing the Right Amount of North Dakota Car Insurance Coverage

Selecting the best kinds of coverage, as well as the right levels of coverage, could be a complicated process. Your insurance professional will help you decide, but here are a few quick pointers: for more recent and much more costly automobiles, more coverage is definitely better. This way, if anything serious happens to your vehicle, a smaller amount of the financial responsibility to get it fixed and becoming back on the highway falls to you.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Bismarck Fargo Grand Forks Minot West Fargo State Average 10 20 30 40 50 60 70 80 90 100 110 120 130 $28 $130 $30 $115 $27 $104 $29 $128 $30 $115 $29 $118


North Dakota DUI Laws

If you are convicted of your first DWI offense, you may face the following penalties: 91-day suspended license if BAL is between 0.08-0.17 (108-day suspension for BAL above 0.18); a minimum fine of $250; you may receive a hardship license after 30 days; you must submit to a mandatory alcohol evaluation.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In North Dakota, you will need to file an SR-22 in order to have your driver’s license reinstated.

DUI Car Insurance Costs in North Dakota Legend: Clean Record DUI Violation Bismarck Fargo Grand Forks Minot West Fargo State Average 10 20 30 40 $28 $41 $30 $44 $27 $40 $29 $42 $30 $44 $29 $42


Age Limit Laws

North Dakota teenagers must hold back until they’re a minimum of 14 years old before they make an application for their first learner’s permit. For 12 months next, in addition to accumulating a minimum of 50 hours of supervised driving, youthful motorists can apply to have an intermediate stage permit.

They’ll maintain this intermediate permit not less than twelve months, and therefore are prohibited from driving alone between your hours of 9:00 PM (or sunset) and 5:00 AM. There are no passenger restrictions during this time, and their permit can become a full license at 16 years of age.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Bismarck Fargo Grand Forks Minot West Fargo State Average 10 20 30 40 50 60 70 80 90 100 110 $105 $119 $104 $109 $119 $111


Credit Score Laws and Regulations

In the 50 states, 47 of these permit their insurance companies to change prices for clients according to their credit rating. And, yes, North Dakota is one. Which means that motorists having an obviously good credit score will probably be compensated with cheaper rates. Motorists with regrettably low credit ratings, however, will most likely need to pay greater premiums every month.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Bismarck Fargo Grand Forks Minot West Fargo State Average 10 20 30 40 $25 $42 $27 $46 $24 $40 $26 $44 $27 $46 $25 $43


Insuring your Vehicle in North Dakota

Ever wondered why it is so essential for your insurance provider to be aware what the brand name of the vehicle? Well, the actual reason happens because the insurance plan follows the automobile much more compared to driver. You will find that this means that if a person borrows your automobile and results in any sort of accident, both you and your insurance provider could be held accountable.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Bismarck Fargo Grand Forks Minot West Fargo State Average 15 30 45 60 75 90 105 120 135 150 $28 $164 $30 $139 $27 $135 $29 $157 $30 $139 $29 $147


Additional North Dakota Auto Insurance Laws and Requirements

Everything we have talked about to date – where you are, your driving history, and state minimum insurance laws and regulations, have a significant effect on just how much you’ll pay monthly. However, there are more laws and regulations and state states and terms that may influence your rate per month:

Highway Safety Laws

Presently, there aren’t any aggressive driving laws and regulations inside the state of North Dakota. However that does not imply that aggressive driving behaviors (following other motorists too close, neglecting to yield the right of way, or driving at breakneck speeds on city streets) aren’t harmful. And also the more frequently you participate in these behaviors, the greater your chances are to cause any sort of accident and harm innocent people.

Aggressive DrivingNo state law
Cell Phones and Texting LawsNovice drivers
Inc. Penalty for High BACBAC 0.18
Admin. License Susp. on 1st Offense91 days

Speed Limits and Cell Phone Use

Inside the state of North Dakota, there’s an all-driver ban on all mobile phone texting while driving. Which is a principal offense, meaning seeing for your mobile phone is that the police force official needs to be able to pull you over and provide you with a ticket. Novice drivers under the age of 18 are likewise prohibited from talking on the phone while driving.

Rural Interstate75 mph
Urban Interstate75 mph
Other Limited-Access70 mph

Important North Dakota Contacts

North Dakota Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State North Dakota Website

North Dakota Department of Insurance

How to contact directly:

North Dakota Dept. of Insurance State Capitol
600 East Boulevard Ave., 5th Floor
Bismarck, ND 58505-0320
Phone: 1-701-328-2440
Toll Free: 1-800-247-0560

Compare North Dakota Car Insurance Companies that Offer the Lowest Rates in Your Area