Cheap North Dakota Auto Insurance for 2021

North Dakota auto insurance laws require drivers to carry minimum coverage of 25/50/25 for bodily injury and property damage as well as personal injury protection. Average North Dakota auto insurance rates come in at $106.92/mo. To save on North Dakota auto insurance, shop around and compare rates from multiple North Dakota auto insurance companies

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 16, 2021

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If you’re having trouble understanding auto insurance, you’re not alone. North Dakota auto insurance can be confusing, but this basic guide will clear things up.

Before you buy North Dakota auto insurance, make sure you shop around. Enter your ZIP code above for free North Dakota auto insurance quotes.

North Dakota Auto Insurance Minimums

In North Dakota, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident
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Uninsured/underinsured motorist Protection minimums:

  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage $50,000 per accident

Personal Injury Protection (PIP) is also required with a minimum of $30,000 coverage per person

Optional coverage choices in ND include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing Coverage

North Dakota is one of the twelve states that operate under what is known as the no-fault insurance system. Essentially this means that when an accident occurs, your own auto insurance company will pay out injury and medical treatment claims to you, and will deal with the other insurance company on your behalf.

In most no-fault states, drivers give up the right to sue other drivers for causing accidents and injuries, and this is no different in North Dakota. If you are in an accident, regardless of who caused it, your auto insurance company is who you will deal with.

State law requires drivers to purchase minimum coverage in four different auto insurance policies, which we’ll describe here. Bodily injury liability insurance covers you against the injury treatment costs of other parties when you cause an accident.

Due to North Dakota’s no-fault status, when you cause an accident this money will be paid by the other insurance company to cover their clients’ medical treatment, rehabilitation, and other expenses. The minimum amount of BIL coverage required in North Dakota is $25,000 per party, per accident, and $50,000 for all parties in a single accident.

Property damage liability is much like bodily injury liability, except it’s intended to cover the repair and replacement costs for the other parties’ property (including automobiles) that are damaged in an accident that you caused. A minimum of $25,000 in Property Damage Liability is required to be considered insured in North Dakota.

Personal injury protection insurance is the policy that covers the medical treatment and injury-related costs for the policyholder and their passengers when they are in an accident – regardless of fault. If another party caused the accident, your PIP will kick in to cover any costs that exceed the ‘at fault’ party’s Bodily Injury Liability insurance. The minimum amount of PIP coverage one can have is $30,000.

Finally, uninsured motorist coverage is much like PIP or BIL except it protects the policyholder and their passengers from costs associated with being in an accident with another party who has no insurance. The minimum amount of UM insurance one can have is the same as BIL – $25,000 per party, per accident, and $50,000 for all parties in a single accident.

Luckily the insurance rates in North Dakota are much cheaper in comparison to the other states in the nation.

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We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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North Dakota Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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North Dakota Auto Insurance Rates

One of the upsides to auto insurance in North Dakota is that the average driver pays less for insurance inside the state than the median rate for the rest of the country. Statewide, drivers will pay an average of $1,283 per year for auto insurance as of July 2011.

This works out to about $106 per month and represents decent savings over the national rate of $1,440 per year or $120 per month. Depending on which city they live in, drivers may end up paying more or less than the statewide average; those in Bismarck can count on average annual rates of $1,502, while those in Fargo pay much less at $1,070.

North Dakota Driving Statistics And Information

Although the state has gone through a number of initiatives to improve traffic safety, North Dakota was one of the few states that saw an increase to the number of vehicle crashes in the most recent year for which figures are available. In 2009, the state saw a total of 17,673 crashes with 140 fatalities resulting from these accidents.

Both of these numbers increased over 2008, which saw 16,387 crashes and 104 total fatalities. To combat these numbers from rising higher, the North Dakota Department of Transportation created a new safety division in December 2009. The goal of this division will be to ensure that traffic safety remains a top priority, and that citizens are compliant with the laws of the road.

Drivers in North Dakota would do well to try to reduce the crash rates – auto insurance companies have no problem with raising premiums if they determine that there’s a higher risk involved with driving inside the state.

Thanks to its friendly population and location somewhat far from the coasts, auto theft numbers in North Dakota are also quite low. 2009 saw just 852 vehicles reported stolen across the entire state, which works out to a theft rate of 131.7 vehicles per 100,000 residents.

This rate was low enough to rank the state 44th overall in the nation for auto thefts and has been trending downward since the peak of 1,073 vehicles stolen in 2005. 2008 saw 902 total auto thefts, so the 2009 numbers represent a decline of around 6% year over year. If the rates continue downward, residents of North Dakota should see their auto insurance premiums come down in cost over time as well.

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Automobile Insurance Resources In North Dakota

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State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly North Dakota Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in North Dakota
Average Monthly Auto Insurance Rates by Age & Gender in North Dakota
North Dakota Auto Insurance Rates by Company vs. State Average
North Dakota Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly North Dakota Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in North Dakota
Average Monthly Auto Insurance Rates by Age & Gender in North Dakota
North Dakota Auto Insurance Rates by Company vs. State Average
North Dakota Auto Insurers by Market Share %