Popular QuestionsPopular Questions about Car Insurance in North Dakota

How much does North Dakota car insurance cost? $1,377

On average, North Dakota drivers pay $1,377 a year for their car insurance. This is just slightly higher than the national average cost of $1,311 per year. Shopping around for the best rate has the potential to save you lots of money a year.

Independent insurance agents can help you find the best car insurance policy by obtaining customized quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price. 

What can North Dakota car insurance do for me?

Even the most careful and experience drivers sometimes get into car accidents. If you crash your car, here are a few of the ways that your North Dakota auto insurance can help...

Pay to Fix Your Car

  • This is covered by collision and comprehensive insurance.
  • Collision insurance covers collision-related damage to your car, regardless of fault; while comprehensive insurance covers non-collision damage, such as that caused by floods or hail.
  • Collision and comprehensive insurance are optional in North Dakota.
  • While these insurance types are optional by law, they are usually required by your lender if you are still paying for your car, or by the dealership if you are leasing it.

Pay to Fix Someone Else's Car

  • This is covered by property damage liability insurance.
  • This insurance is designed to cover damage to other people’s property if you are responsible for a collision while driving.
  • Property damage liability insurance is required in North Dakota.
  • Your policy must include a minimum of $25,000 in property damage liability coverage.

Pay for Your Medical Bills

  • This is covered by personal injury protection insurance, or "PIP."
  • This insurance, which is sometimes referred to as “Basic No-Fault,” is designed to cover your medical bills, lost wages, and other expenses if you are injured in a collision, regardless of fault.
  • Personal injury protection insurance is required in North Dakota.
  • Your policy must include, at a minimum, $30,000 in PIP coverage.

Pay for Someone Else's Medical Bills

  • This is covered by bodily injury liability insurance.
  • This is designed to cover the cost of medical treatment, lost wages, and related expenses for other people if you cause them injuries in a collision.
  • Bodily injury liability insurance is required in North Dakota.
  • Your policy must include at least $25,000 per person / $50,000 per accident in bodily injury liability insurance.

Pay for Damages If an Accident Is Caused by an Uninsured Driver

  • This is covered by uninsured motorist insurance.
  • This is designed to cover your medical bills if you are in an accident caused by an uninsured or underinsured driver.
  • Uninsured motorist insurance is required in North Dakota.
  • Your policy must include at least $25,000 per person / $50,000 per accident in uninsured motorist bodily injury coverage. Your coverage must be equal to the amount of bodily injury liability insurance you are including in your policy.

…and More!

In addition to this coverage, you can also include other optional coverage in your car insurance policy such as:

  • Gap insurance
  • Rental car reimbursement insurance
  • Towing and roadside assistance insurance
  • Accidental death and dismemberment insurance
  • Umbrella insurance

Talk to a local independent insurance agent to learn more.

Who pays if the accident wasn’t my fault?

North Dakota is what is known as a “no-fault” state. This means that each driver’s insurance pays for their own medical bills, regardless of who was at fault for a collision. That is why all motorists in this state are required to carry personal injury protection (PIP) coverage in their car insurance policies.

One drawback for drivers in no-fault states is that you will have limited opportunity to sue other drivers. 

In North Dakota, if you are deemed to have 50% or greater fault for an accident, you cannot collect any damages from the other driver at all. If you have less than 50% fault, you can collect damages in accordance with how much fault you bear. If you are assessed to have been 25% at fault for an accident, you can only collect 75% of your cost for damages from the other person’s car insurance company.

How many North Dakota drivers are uninsured? 6.8%

Driving without insurance is a Class B Misdemeanor in North Dakota. If caught, the penalties in this state are harsh:

For a first offense, you can face:

  • Fines ranging from $150 to $1,000
  • The suspension of your license until you show proof of insurance and pay at $50 reinstatement fee
  • The requirement to retake your driving test
  • Court fees of $20

For a second offense within 12 months of the first offense, you can face:

  • Fines ranging from $300 to $5,000
  • The suspension of your license until you show proof of insurance and pay at $50 reinstatement fee
  • Incarceration in the local jail for 30 days
  • Loss of your license plate
  • The requirement to retake your driving test
  • Court fees of $20

Because of these tough penalties, North Dakota has a relatively low uninsured motorist rate of 6.8%. This is about half the national average rate of 13.0%. However, it still equates to a lot of uninsured drivers sharing the roads with you.

This is why uninsured motorist insurance, which is mandatory in North Dakota, can prove so beneficial. Talk to a local independent insurance agent to learn more.

What is the best car insurance company in North Dakota?

When it comes to car insurance, there is no insurance company that can be considered the best for everyone. The company that offers you a lower rate for coverage is not necessarily the best choice for your neighbor or your best friend.

That is why independent agents compare policies and rates from a variety of top-rated, reliable insurance companies. That way, they can find the policy that offers the best value to you.

Are there any independent insurance agents in North Dakota?

Yes! There are currently 43 independent insurance agents in North Dakota who are ready to help.

Because they are not tied to a single insurance provider, these agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost:  $1,311 / year
  • National average car thefts per 1,000 vehicles:  2.29
  • National average time spent commuting:  25.4 min
CityAvg. House ValueBurglary Rate per 1,000 HomesAvg. Cost of Home Insurance (Yearly)
Bismarck$274,2773.40$1,381
Devils Lake$168,0363.83$1,002
Dickinson$272,8521.49$1,163
Fargo$256,1475.56$1,349
Grafton$165,9084.74$1,035
Grand Forks$269,2933.75$1,293
Jamestown$168,1004.81$1,165
Lincoln$282,4670.76$1,224
Mandan$228,0824.62$1,271
Minot$253,2694.36$1,288
Valley City$164,5964.20$1,012
Wahpeton$173,0471.53$1,212
Watford City$278,3971.01$904
West Fargo$279,3042.81$1,330
Williston$210,0513.72$979

Fargo, ND Car Insurance

The average monthly cost of car insurance in Fargo is $109.

However, you should just use this cost as a baseline. Your actual monthly cost could be higher or lower than the city’s average rate because it is completely personalized according to a number of details such as your age, occupation, driving history, vehicle information, deductible amount, and more. Also, if you have teenage drivers in your household, you can expect to pay a lot more than a married couple with a safe driving history and small children.

Whether you find yourself in a multi-vehicle accident on Highway 81 or you get into a fender bender on 45th Street, a good car insurance policy can cover your post-collision costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your own vehicle is covered, even if the accident is your fault.

Learn more about collision coverage as well as the other optional coverage available to you by speaking with one of Fargo’s experienced independent insurance agents.

Bismarck, ND Car Insurance

The average monthly cost of auto insurance in Bismarck is $110

When calculating your actual car insurance rate, insurance companies will take several factors into consideration, including your vehicle’s make, model and year, your age, your driving record, and sometimes even your credit score. This means your monthly cost could be much higher or lower than this average.

There are several parts of Bismarck that pose a significant risk to area drivers. One example is the intersection of Century Avenue and State Street. This location was the site of 110 vehicle crashes between 2017 and 2019, making it the third most dangerous intersection in the state. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry about an accident having a negative impact on your finances.

As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident. Talk to a local independent insurance agent to learn more.

Grand Forks, ND Car Insurance

The average monthly cost of auto insurance in Grand Forks is $103.

Because your Grand Forks car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than the city’s average rate. Factors like your driving record, your vehicle’s year, make and model, the size of your deductible, and the amount of coverage you are purchasing can all play a role in how insurance companies calculate your price.

Whether your car is sideswiped by an 18-wheeler while you are changing lanes on Interstate 29, or is dinged by an SUV while you’re pulling out of a parking lot onto Washington Street, a good car insurance policy can cover your financial losses and obligations. As long as your policy includes all available coverage options as well as sufficient liability coverage, you don’t need to worry about paying for anything other than your deductible.

Talk to an independent agent in Grand Forks to learn more about how each car insurance coverage option can benefit you.

Minot, ND Car Insurance

The average monthly cost of car insurance in Minot is $119.

Insurance companies take into account such considerations as your age, gender, and driving record as well as details about the vehicle(s) you wish you insure when they are calculating a personalized quote for you. Remember, this city’s average rate can only give you a general idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount. 

Can you imagine walking out of the Dakota Square Mall after a day of shopping only to find that your car has been stolen? As a resident of Minot, where residents reported 175 auto thefts in 2018 alone, this is a valid concern. That is why many local vehicle owners opt to include comprehensive coverage in their auto insurance policies. This optional coverage can cover the costs associated with having your car stolen. It can also pay for damage caused by non-collision events such as floods, falling objects, and windstorms.

Find an independent agent in Minot to learn more about comprehensive coverage as well as your various other car insurance coverage options.

Williston, ND Car Insurance

The average monthly cost of car insurance in Williston is $114.

Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your age, driving record, and claims history as well as details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Williston car insurance quotes so you can find the policy that offers the best value for your hard-earned money.

The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. About 81% of all workers in Williston commute to work alone in their own cars. This extra half hour day driving to and from work, particularly in the winter, can increase your chances of getting into an accident. If you work from home, carpool, or use public transportation, you may qualify for low-mileage discounts on your car insurance.

Consult an independent insurance agent in Williston to learn more about potential discounts for which you may be eligible and to find out what you can do to keep your costs for car insurance affordable.