Car Insurance in Carrington, ND
Experts break down auto insurance costs, coverages, companies, and more for drivers in Carrington, North Dakota.


Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career. He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Vehicle owners in Carrington need car insurance. It doesn’t matter whether you cause a multi-vehicle collision on Highway 200 or have a minor fender bender on 67th Avenue. A good auto insurance policy can shield you from significant financial loss in the aftermath.
Finding the best auto insurance is easy when working with a local independent agent. These agents can save you time and money by obtaining customized quotes from some of the area’s top insurance companies on your behalf. Contact an independent insurance agent in Carrington to get started.
How Much Does Car Insurance Cost in Carrington, ND?
On average, car insurance rates in North Dakota are slightly higher than the national average. Shopping around for the best rate can save you hundreds of dollars a year.
- National average annual car insurance cost: $1,311
- North Dakota’s average annual car insurance cost: $1,377
Actual rates can vary significantly from one driver to another. This is because insurance companies calculate costs according to several factors, such as:
- Your vehicle’s make, model, year, and condition
- Your age, occupation, marital status, and driving record
- Information about any other licensed drivers in your household
- Your claims history and credit score
- The amount of coverage you are purchasing
- The size of your deductible
- Your chosen method of payment
Because every insurance provider uses its own method to calculate premiums, each company you contact is likely to quote you a different cost for coverage. Comparison shopping lets you choose the policy offered at the most reasonable price. Independent agents make comparison shopping easy.
Are There Any Car insurance Discount Opportunities in Carrington, ND?
You can often earn significant rate reductions if you are:
- A motorist with a long, safe driving record
- A student with good grades
- A current or former member of the US Armed Services
- Insuring multiple vehicles
- Bundling your car insurance with another policy like home insurance or renters insurance
- The owner of a vehicle with specific safety or anti-theft features
A local independent agent can ensure that you receive any offered car insurance discounts for which you qualify.
Is Car Insurance Required in Carrington, ND?
As a vehicle owner in Carrington, you must have a car insurance policy that meets or exceeds North Dakota’s minimum coverage requirements. This means that you carry an auto insurance policy that includes:
- Personal injury protection insurance (PIP): This basic no-fault coverage pays for things like medical expenses and lost wages if you or your passengers are injured in a collision, regardless of who caused the accident. Your coverage amount must meet or exceed:
- PIP coverage per person: $30,000
- Auto liability insurance: This covers other people’s property damage and any medical bills that go beyond what their PIP coverage can pay for if you cause a collision. Your coverage amounts must meet or exceed:
- Bodily injury liability coverage per person: $25,000
- Bodily injury liability coverage per accident: $50,000
- Property damage coverage per accident: $25,000
- Uninsured motorist insurance (UM): This can pay for medical bills for you and your passengers if you are injured in a collision caused by an uninsured driver. Your treatment costs exceed what your PIP insurance can cover. Your coverage amounts must meet or exceed:
- UM bodily injury coverage per person: $25,000
- UM bodily injury coverage per accident: $50,000
- UM property damage coverage: N/A (UM property damage coverage is not available in North Dakota. Instead, your property damage can be covered by collision insurance, if you have it.)
If you are responsible for a major collision involving excessive property damage or serious injuries, a minimum coverage policy may not be sufficient to cover your liabilities fully. That is why many vehicle owners in Carrington opt to purchase liability coverage at much higher levels than the state requires.
Residents who have a lot to lose and want even more liability protection can supplement their car insurance with an umbrella insurance policy. Umbrella insurance enables you to significantly boost all of your personal liability coverage at a very affordable cost.
What Else Does Car Insurance Cover in Carrington, ND?
In addition to the mandatory coverage, most car insurance providers offer several coverage options. Some of the options you may want to consider adding to your auto insurance policy include:
- Physical damage coverage: Though not required by law, lenders typically require this if you are still paying for your car, and dealerships require it if you are leasing. It can compensate you for loss or damage to your vehicle through two types of coverage:
- Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: This 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.
- Towing and roadside assistance: This can cover the cost of service if your car breaks down and you need to call for professional help.
- Windshield and glass replacement coverage: This can cover the cost of replacing the safety glass in your car’s windows, windshield, or sunroof if it is cracked, broken, or otherwise damaged.
- Gap insurance: This bridges the gap between how much your car is worth and how much you still owe for it. It can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event.
- Rental car reimbursement: This can cover the cost of renting a vehicle while you are having repairs made to your car following a covered event.
You can discuss the details of each of your coverage options with an independent agent for help determining which, if any, are a good fit for you.
What Is the Penalty for Driving without Insurance in Carrington, ND?
Driving without insurance is a Class B misdemeanor in North Dakota. If caught, you can face consequences that include:
- A fine of $150 to $1,000
- The suspension of your driving privileges until you can provide proof of coverage
- The need to retake your driver’s license test and pay miscellaneous fees to get your driving privileges reinstated
- Up to 30 days in jail if you are a repeat offender
- Points added to your license
- The requirement to maintain an SR-22 with the state for one year
- Higher car insurance rates
Additionally, if you cause an accident while uninsured, you will be responsible for covering the property damage and injuries you caused. This can get very expensive.
Despite these penalties, some people choose to drive around without insurance anyway. The good news is that North Dakota has one of the lowest rates of uninsured drivers in the United States.
- Percentage of US drivers who are uninsured: 12.6%
- Percentage of North Dakota drivers who are uninsured: 6.8%
Because North Dakota requires all vehicle owners to have uninsured motorist insurance, you can rest assured that if you are injured in a collision caused by an uninsured driver, you will be able to quickly receive the compensation you are due without the need to go through lengthy legal channels.
Does Carrington, ND Have a High Auto Theft Rate?
The average auto theft rate in North Dakota is slightly higher than the national rate, but the rate is lower in Carrington. Residents of this city report only report one or two stolen cars a year.
- National auto theft rate per 1,000 people: 2.29
- North Dakota’s auto theft rate per 1,000 people: 2.34
- Carrington’s auto theft rate per 1,000 people: 1.01
Even though your risk of auto theft is low in this city, you should be aware that you can only be compensated for a stolen vehicle if your car insurance policy includes comprehensive (or “other than collision”) coverage.
If you are financing or leasing your car, you probably have this optional coverage already. If not, you may want to look into how much it would cost to add comprehensive coverage to your car insurance.
What Are the Best Car Insurance Companies in Carrington, ND?
The best car insurance companies in North Dakota are the ones that have a long history of consistently providing their policyholders with excellent coverage, responsive customer service, rapid claims processing, and competitive rates.
Independent agents in Carrington have developed partnerships with many of the area’s top-rated insurance providers. Because of this, these agents can offer you a selection of policies and quotes from companies you can trust.
How Can an Independent Agent in Carrington, ND Help Me Find the Best Car Insurance?
Local independent agents are available to help you find the best and most affordable auto insurance policy. These agents work for you, not for a particular insurance company. This enables them to shop around to find a competitively priced policy that meets your coverage needs.
It doesn’t cost anything to work with an independent agent. Contact an independent insurance agent in the Carrington area when you are ready to get answers to your coverage-related questions and to start comparing customized car insurance quotes.
https://www.city-data.com/city/Carrington-North-Dakota.html
https://www.insurance.nd.gov/consumers/insurance/auto
https://ndlegis.gov/files/resource/committee-memorandum/79170.pdf