Find the Best Car Insurance Quotes and Options in North Dakota
The average cost of car insurance in North Dakota is $1,377 per year. With a national average annual car insurance cost of $1,311, car insurance in North Dakota costs more than it does in many other states. But your North Dakota car insurance rates will be more or less than average depending on where you live in the state and your other personal risk factors.
An independent insurance agent in North Dakota can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in North Dakota.
Best Car Insurance Companies in North Dakota
You can purchase car insurance in North Dakota from numerous insurance companies. But which insurance company offers the best mix of coverage and value for your unique needs? We’ve selected some of the best car insurance companies in North Dakota to help you get started.
- Best North Dakota Car Insurance Company Overall: USAA
- Best North Dakota Insurance Company for Minimum Liability: USAA
- Best North Dakota Insurance Company for Full Coverage: USAA
- Best North Dakota Car Insurance Company for Young Drivers: USAA
- Best North Dakota Insurance Company for Accident History: USAA
An independent insurance agent in North Dakota can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best North Dakota Car Insurance Company Overall: USAA
Our pick for the best overall car insurance company in North Dakota overall is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors.
USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.
USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an A++ rating from AM Best, the highest available.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
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Best North Dakota Car Insurance Company for Minimum Liability: USAA
If you’re looking for minimum liability coverage, USAA is again a top choice for North Dakota residents. The carrier allows customers to get bare minimum auto insurance at around $222 per year.
Highly affordable coverage combined with high customer satisfaction ratings makes USAA an easy choice for eligible members.
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Best North Dakota Car Insurance Company for Full Coverage: USAA
The best car insurance company in North Dakota for full coverage is USAA. The insurance company offers affordable full-coverage policies with premiums starting at just $76 per month.
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Best North Dakota Car Insurance Company for Young Drivers: USAA
Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA is one of the best insurance companies for teen drivers in North Dakota.
Car insurance for young drivers in North Dakota can cost around $297 per month with USAA. The company also offers a good student discount so students with good grades can save on their car insurance.
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Best North Dakota Car Insurance Company for Accident History: USAA
Your driving record is one of the most important factors in what you pay for car insurance in North Dakota. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
In these cases, USAA earns a spot on our list of top picks. USAA is one of the best North Dakota car insurance companies for drivers with an accident history. If you’ve had an at-fault accident, you can get a car insurance policy from USAA for about $106 per month.
|Average Monthly Insurance Cost: Drivers With Accident History||Average Annual Insurance Cost: Drivers With Accident History|
North Dakota Car Insurance Requirements
Drivers in North Dakota must purchase a car insurance policy that meets the state's minimum coverage requirements. The following types of coverage are required by North Dakota state law:
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In North Dakota, you must have coverage of at least $25,000 per person and $50,000 per accident for bodily injury.
- Property damage liability coverage: Covers damage you cause to another person’s property. In North Dakota, you must have coverage of at least $25,000 per accident for property damage.
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not. In North Dakota, you must have coverage of at least $25,000 per person and $50,000 per accident for bodily injury.
- Underinsured motorist coverage: Covers a bodily injury claim you would have against another driver whose liability coverage is less than your underinsured motorist coverage. In North Dakota, this coverage must be equal to your uninsured motorist coverage.
- Basic no-fault coverage/personal injury protection (PIP): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident. In North Dakota, you must have a minimum of $30,000 in personal injury protection.
Optional Car Coverage in North Dakota
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in North Dakota will help you find a car insurance policy that includes the coverage you need.
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Average Cost of Car Insurance in North Dakota
The average cost of car insurance in North Dakota is $1,377 per year, which is more than the national average of $1,311 per year. Remember that everyone’s car insurance costs are a little different depending on personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in North Dakota by taking advantage of car insurance discounts offered by your insurance carrier.
Average North Dakota Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in North Dakota. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
In North Dakota, we found some of the most expensive car insurance rates in Mandan, a city with a higher-than-average rate of car theft where you’ll pay around $1,497 annually. Cheaper rates are available in cities like Jamestown and Valley City, where drivers will pay an average of $1,132 and $1,190 per year, respectively.
Finding Car Insurance Discounts in North Dakota
One of the best ways to save on car insurance in North Dakota is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the other common auto insurance discounts offered in North Dakota include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent insurance agent in North Dakota can help you find all of the car insurance discounts that you qualify for.
How to Find the Best Car Insurance Quote in North Dakota
Finding the best car insurance quote in North Dakota requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in North Dakota can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in North Dakota
Filing a car insurance claim in North Dakota is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on the record and that all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident.
- Contact your independent insurance agent: Your North Dakota independent insurance agent can get the process started by connecting you with your insurance company or by even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent car insurance agent in North Dakota can help you through the claims process and answer your questions about how best to file your claim.