Cheap Car Insurance in North Dakota for 2024 (Big Savings With These 10 Companies!)
Geico, State Farm, and Travelers are the best for cheap car insurance in North Dakota with rates starting at $16 monthly. These insurers are known for their discounts, financial standing, and rewards, making them the best choices for your peace of mind and car insurance needs in North Dakota.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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In this article, we will help you find cheap car insurance in North Dakota, explore the various factors that affect car insurance rates in North Dakota, and provide you with tips to find a policy that fits your budget with Geico, State Farm, and Travelers.
But what exactly is liability coverage? Liability coverage is the portion of your car insurance policy that pays for damages and injuries you cause to others.
Our Top 10 Company Picks: Cheap Car Insurance in North Dakota
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $16 A++ Extensive Discounts Geico
#2 $20 B Local Agents State Farm
#3 $24 A++ Financial Standing Travelers
#4 $22 A Safe-Driving Rewards Safeco
#5 $18 A High-Risk Drivers The General
#6 $30 A+ Customizable Policies Farmers
#7 $31 A+ Competitive Rates Progressive
#8 $38 A+ Comprehensive Coverage Allstate
#9 $40 A Flexible Coverage American Family
#10 $110 A Multi-Policy Discount Liberty Mutual
This means that if you are at fault in an accident and someone else is injured or their property is damaged, your insurance company will cover the costs up to the limits of your policy. Enter your ZIP code now. We will also highlight some of the top affordable car insurance companies in the state.
- Dakota has attractive rates for auto insurance
- Insurance companies offer discounts to reduce premium costs
- Residents have access to a range of coverage alternatives
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#1 – Geico: Top Overall Pick
Pros
- Low Rates for Safe Drivers: Geico offers some of the most affordable premiums for safe drivers, making it an excellent option for those seeking cheap car insurance.
- Strong Customer Satisfaction: Geico consistently ranks high for customer satisfaction. Explore further details on our Geico auto insurance review and ratings.
- Efficient Online Tools: With a highly rated mobile app and online tools, Geico offers convenience for customers looking for cheap car insurance in North Dakota.
Cons
- Limited Coverage Options: Geico’s coverage options may be less flexible, which could be a drawback for North Dakota drivers looking for comprehensive cheap car insurance plans.
- Higher Rates for High-Risk Drivers: Geico’s rates for high-risk drivers, such as those with accidents or tickets.
#2 – State Farm: Best for Local Agents
Pros
- Local Agent Network: With a vast network of local agents, State Farm allows drivers in North Dakota to get personalized assistance.
- Discounts for Bundling Policies: State Farm offers discounts when bundling auto and home insurance, helping customers save on cheap car insurance in North Dakota when combining policies.
- Good Student Discounts: State Farm provides discounts for students maintaining good grades. Check out our State Farm homeowners insurance review for further details.
Cons
- Higher Premiums for High-Risk Drivers: Drivers with traffic violations or accidents may face higher premiums with State Farm.
- Fewer Discounts for Senior Drivers: State Farm offers limited savings and discounts for senior drivers.
#3 – Travelers: Best for Financial Standing
Pros
- Flexible Coverage Options: Travelers provides a wide range of coverage options, ensuring drivers can customize their policies while still benefiting from cheap car insurance in North Dakota.
- Solid Financial Strength: Travelers has an excellent A.M. Best rating, meaning that North Dakota drivers can trust them for reliable claims payouts, even with cheap car insurance in North Dakota.
- Multi-Vehicle Discount: Insuring multiple cars with Travelers can lead to reduced premiums. Look more on our Travelers insurance review for more details.
Cons
- Not the Cheapest Option: While Travelers offers solid coverage, it may not always provide the absolute lowest rates.
- Limited Online Features: Travelers’ online tools and mobile app may not be as advanced as other competitors, which could impact drivers who prefer managing their cheap car insurance digitally.
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#4 – Safeco Insurance: Best for Safe-Driving Rewards
Pros
- Flexible Payment Options: Safeco provides various payment plans. See more in-depth information on our Safeco insurance review and ratings to learn more.
- Usage-Based Insurance Options: Their usage-based insurance program rewards safe driving, providing opportunities for further savings on cheap car insurance in North Dakota.
- Strong Online Tools: Safeco’s online management tools are user-friendly, making it easier for drivers to manage their cheap car insurance in North Dakota policies conveniently.
Cons
- Customer Service Variability: Customer service experiences can vary, which may lead to dissatisfaction for some drivers relying on support for cheap car insurance in North Dakota.
- Potential Policy Complexity: The variety of options available can lead to confusion, making it harder for drivers to select the best cheap car insurance in North Dakota policy for their needs.
#5 – The General: Best for High-Risk Drivers
Pros
- Affordable Premiums: The General is known for its competitive rates, particularly for drivers with less-than-perfect records, making it an excellent option for those seeking cheap car insurance.
- Flexible Payment Plans: With various payment options, The General accommodates drivers looking for budget-friendly ways to manage their cheap car insurance in North Dakota expenses.
- Strong Focus on High-Risk Drivers: The General specializes in providing coverage for high-risk drivers. Read our article “What is a general practice attorney?”.
Cons
- Mixed Customer Service Ratings: While some customers report satisfactory experiences, others have noted challenges with customer suppor.
- Higher Rates for Certain Drivers: While The General focuses on high-risk insurance, rates can still be higher for drivers with a history of accidents or claims.
#6 – Farmers Insurance: Best for Customizable Policies
Pros
- Customizable Policies: Farmers allows for extensive customization of coverage. Look further details on our Farmers insurance review and ratings.
- Diverse Coverage Options: They offer specialized coverage options, such as classic car insurance, making it appealing for a range of vehicle owners looking for cheap car insurance in North Dakota.
- Bundling Discounts: By bundling auto insurance with home or other policies, drivers can enjoy significant savings, enhancing their chances of finding cheap car insurance in North Dakota.
Cons
- Potentially Higher Initial Premiums: Farmers’ initial premiums can be higher than competitors, which might deter budget-conscious drivers looking for cheap car insurance in North Dakota.
- Complex Pricing Structure: The variety of available coverage can lead to confusion regarding pricing, making it hard for some drivers to determine their best option for cheap car insurance.
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#7 – Progressive: Best for Competitive Rates
Pros
- Name Your Price Tool: Progressive offers a unique tool that allows customers to set their budget for cheap car insurance in North Dakota, helping drivers find a policy that fits their financial needs.
- Snapshot Program: This program rewards safe driving with discounts, allowing North Dakota drivers to save even more on cheap car insurance in North Dakota if they maintain a good driving record.
- Wide Range of Coverage Options: Progressive offers a variety of coverage types, including rideshare. Check out our best car insurance for high-risk drivers in 2024 for more information.
Cons
- Complex Policy Options: The wide array of coverage options can be overwhelming for some drivers, making it challenging to find the most suitable cheap car insurance in North Dakota policy.
- Mixed Customer Service Reviews: While Progressive is known for its competitive pricing, customer service reviews are mixed, which could be a concern.
#8 – Allstate: Best for Comprehensive Coverage
Pros
- Personalized Insurance Options: Allstate offers tailored insurance policies. Learn more through our Allstate insurance review and ratings.
- Strong Financial Backing: With a solid reputation and high A.M. Best ratings, Allstate provides reliable claims support for drivers, making their cheap car insurance in North Dakota trustworthy.
- Local Agents: North Dakota drivers can benefit from Allstate’s extensive network of local agents, providing personalized assistance when needed, especially for cheap car insurance in North Dakota.
Cons
- Limited Online Management Tools: Allstate’s online and app features may not be as comprehensive as those of other providers, which could affect tech-savvy drivers.
- Rate Increases After Claims: Some customers have reported rate increases following claims, which might discourage drivers who are looking for consistent pricing.
#9 – American Family Insurance: Flexible Coverage
Pros
- Flexible Coverage Choices: American Family offers customizable policies, ensuring drivers can find a plan that meets their specific needs while enjoying cheap car insurance in North Dakota.
- Strong Focus on Customer Experience: With a high customer satisfaction rating, American Family is committed to providing excellent service for those seeking cheap car insurance in North Dakota.
- Local Agents for Personalized Service: A strong local agent network allows North Dakota drivers to get personalized help with their cheap car insurance policies.
Cons
- Fewer Coverage Options for High-Risk Drivers: American Family may have limited options for high-risk drivers. Check our free car insurance information, advice and online quotes for further details.
- Mixed Feedback on Claims Processing: Customers have reported varying experiences with claims processing, which could affect the reliability of cheap car insurance in North Dakota in urgent situations.
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#10 – Liberty Manual: Best for Multi-Policy Discount
Pros
- Wide Range of Coverage Options: Liberty Mutual offers a broad selection of coverage options, allowing North Dakota drivers to customize their cheap car insurance in North Dakota to fit their needs.
- Discounts for Safe Driving: They provide discounts for drivers who maintain a clean record. Look more on our Liberty Mutual auto insurance review.
- Local Agent Accessibility: With a network of local agents, Liberty Mutual offers personalized assistance to help drivers find the best options for cheap car insurance in North Dakota.
Cons
- Mixed Customer Service Experiences: Customer reviews are varied, and some may encounter challenges with the claims process, which could detract from the benefits of cheap car insurance in North Dakota.
- Complex Policy Terms: The range of options can lead to confusion over policy terms and conditions, making it difficult for some drivers to determine their best value for cheap car insurance in North Dakota.
The Basics of Car Insurance
Collision coverage is designed to protect your vehicle in case of an accident, whether you collide with another vehicle, a stationary object, or even a pothole, helping to pay for repairs or replacement. While not required by law, this coverage is highly recommended, especially for newer or more valuable vehicles.
North Dakota Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $38 | $136 |
 | $40 | $145 |
| $30 | $107 |
| $16 | $61 |
| $110 | $398 |
| $31 | $110 |
| $22 | $82 |
| $20 | $76 |
 | $18 | $67 |
| $24 | $88 |
Comprehensive coverage, on the other hand, covers non-accident-related damage, including theft, vandalism, fire, natural disasters, and hitting an animal. Similar to collision coverage, comprehensive coverage is not mandatory but provides an additional layer of protection for your vehicle.
Lastly, uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who lacks insurance or sufficient coverage to pay for damages, helping with medical expenses, lost wages, and even pain and suffering.
North Dakota’s Car Insurance Requirements
According to North Dakota law, the minimum car insurance requirements are as follows:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident, ensuring drivers can cover medical expenses for injuries they cause to others in an accident.
- Property Damage Liability: $25,000 per accident, which covers damages to another person’s property resulting from an accident caused by the insured driver.
- Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident, providing protection if you’re injured by a driver who lacks sufficient insurance coverage.
- Uninsured/Underinsured Motorist Property Damage: $25,000 per accident, ensuring that damages to your property are covered in cases involving uninsured or underinsured motorists.
These requirements reflect North Dakota’s approach to ensuring drivers are financially protected while navigating the state’s unique driving conditions.
In North Dakota, drivers are required to carry minimum liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
These minimum limits ensure that there is enough coverage to compensate others for their injuries or property damage in case of an accident.
Without adequate coverage, you could be personally responsible for any costs that exceed your policy limits, which can quickly add up and put you in a difficult financial situation.
By seeking the best uninsured and underinsured motorist coverage, you can better protect yourself from potential out-of-pocket expenses. Now that you have a better understanding of car insurance in North Dakota, you can make informed decisions when it comes to choosing the right coverage for your needs.
Factors Affecting Car Insurance Rates in North Dakota
Car insurance rates can vary based on several factors, and understanding these elements can help you find ways to lower your premiums, especially when considering car insurance for seniors.
In North Dakota, known for its beautiful landscapes and harsh winters, unique challenges arise that influence car insurance rates, making it essential to account for factors that can affect premiums, particularly for senior drivers.
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Multi-Policy, Accident Forgiveness, Early Signing |
| Steer Into Savings, Multi-Policy, Defensive Driving, Loyalty Discount |
| Signal® App, Multi-Policy, New Car Replacement, Safe Driver |
| Defensive Driving, Multi-Policy, Good Driver, Anti-Theft |
| Multi-Policy, Accident Forgiveness, New Car Replacement, Vehicle Safety Discount |
| Snapshot®, Multi-Policy, Continuous Insurance, Safe Driver |
| Multi-Policy, Accident Forgiveness, New Car Replacement, Anti-Theft |
| Drive Safe & Save™, Multi-Policy, Accident-Free, Good Student |
| Multi-Policy, Safe Driver, Accident Forgiveness, Good Student |
| Multi-Policy, Safe Driver, Accident Forgiveness, New Car Replacement |
The state’s extreme weather conditions and rural areas contribute to the risk factors considered by insurance companies when determining rates, making it essential for drivers to be aware of how these factors can impact their insurance costs.
Age and Driving Experience
Young and inexperienced drivers often face higher insurance rates due to the higher risk associated with their age group. In North Dakota, this is especially true considering the challenging driving conditions during the winter months. The icy roads and reduced visibility increase the likelihood of accidents for new drivers.
5 Most Common Auto Insurance Claims in North Dakota| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-end Collision | 30% | $4,000 |
| Single Vehicle Accident | 20% | $5,500 |
| Animal Collision | 15% | $3,500 |
| Weather-related Damage | 10% | $6,000 |
| Vandalism/Theft | 8% | $2,800 |
As you gain more experience and maintain a clean driving record, your insurance premiums may decrease. Insurance companies recognize the value of experience and reward responsible driving habits.
Driving Record and Claims History
Your driving record plays a significant role in determining your car insurance rates, as highlighted in insurance company reviews and ratings. Insurance companies evaluate factors like accidents, traffic violations, and claims history when assessing your risk.
In North Dakota, where weather-related accidents are more common, having a clean driving record becomes even more crucial. Maintaining a clean driving record can lead to lower insurance premiums as it demonstrates your commitment to safe driving.
Furthermore, insurance companies take into account the number of claims you have made in the past. Frequent claims can indicate a higher risk of future claims, which may result in higher insurance rates.
Vehicle Make and Model
For instance, vehicles equipped with all-wheel drive and advanced safety features, such as anti-lock brakes and traction control, are better suited to handle the challenging driving conditions in North Dakota.
Insurance companies recognize these safety features and may offer lower insurance premiums for vehicles that prioritize driver and passenger safety.
Moreover, the likelihood of theft is also taken into account. In North Dakota’s rural areas, where vehicles may be more vulnerable to theft, insurance companies may adjust rates accordingly.
Overall, understanding the factors that affect car insurance rates in North Dakota can empower you to make informed decisions and find ways to lower your premiums, especially when considering the risks of property ownership.
North Dakota Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bismarck | 950 | 800 |
| Fargo | 1,200 | 1,000 |
| Grand Forks | 750 | 600 |
| Minot | 500 | 400 |
| West Fargo | 300 | 250 |
By considering your age and driving experience, maintaining a clean driving record, and selecting a vehicle that prioritizes safety and theft prevention, you can potentially save money while ensuring adequate coverage for your car.
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Tips for Finding Cheap Car Insurance in North Dakota
Car insurance is a necessary expense, but that doesn’t mean you have to break the bank. There are ways to find affordable policies without compromising coverage. Here are some tips to help you on your search:
Shopping Around for Quotes
One of the most effective ways to find cheap car insurance is to shop around and compare quotes from multiple insurance companies. Each company may offer different rates and discounts, so it’s essential to explore your options.
North Dakota Report Card: Car Insurance Discounts| Discount | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver | A | 15% | Allstate, Geico, State Farm |
| Multi-Policy | A- | 10% | Progressive, Farmers, USAA |
| Safe Vehicle | B+ | 8% | State Farm, Progressive |
| Defensive Driving Course | B | 5% | Nationwide, Geico |
| Low Mileage | B- | 7% | Liberty Mutual, Allstate |
When shopping for car insurance, it’s essential to evaluate not just the price but also the coverage provided. Some policies may feature lower premiums, but they could fall short on comprehensive protection, leading to the question: “Is full coverage really full?” Make sure to understand what is included in your policy to ensure you’re adequately protected.
On the other hand, higher-priced policies may offer additional benefits like roadside assistance or rental car reimbursement. By comparing quotes, you can find the right balance between cost and coverage.
Taking Advantage of Discounts
Insurance companies often offer various discounts that can help reduce your premiums, as highlighted in the united home life insurance review. Common discounts include multi-policy discounts, safe driver discounts, and good student discounts. Be sure to ask each company about any available discounts that you may qualify for to maximize your savings.
In addition to the standard discounts, some insurance companies offer unique incentives. For example, some companies provide discounts for drivers who take defensive driving courses or install anti-theft devices in their vehicles.
Maintaining a Clean Driving Record
As mentioned earlier, your driving record has a significant impact on your insurance rates. By practicing safe driving habits and avoiding accidents and traffic violations, you can maintain a clean record and potentially qualify for lower insurance premiums.
However, accidents happen, and even the most cautious drivers can find themselves with a blemish on their record. If you do have a recent accident or violation, don’t lose hope.
North Dakota Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Providers offer a wide range of customizable plans |
| Discount Availability | A- | Multiple discounts are offered by major providers |
| Overall Affordability | B+ | Premiums are generally lower than the national average |
| Customer Service | B | Customer satisfaction is decent but can vary by provider |
| Claims Processing | B- | Some delays reported, but resolution is generally good |
Some insurance companies offer accident forgiveness programs that can help you avoid significant rate increases after your first at-fault accident.
When researching how to get paid for car accident damage, it’s worth checking with each insurer to see if they provide this valuable feature, as it can make a significant difference in your overall premium.
Remember, finding cheap car insurance in North Dakota requires a bit of effort and research. By shopping around for quotes, taking advantage of discounts, and maintaining a clean driving record, you can secure an affordable policy without compromising on coverage.
Kristen Gryglik Licensed Insurance Agent
By understanding the basics of car insurance, being aware of the factors that affect rates, and following the tips mentioned above, you can find affordable car insurance in North Dakota.
Frequently Asked Questions
What factors affect the cost of car insurance in North Dakota?
Several factors can affect the cost of car insurance in North Dakota. Some of the main factors include the driver’s age, driving record, type of vehicle, coverage limits, deductible amount, and even the location where the car is primarily parked or garaged.
Are there any specific car insurance requirements in North Dakota?
Yes, North Dakota has specific car insurance requirements that all drivers must adhere to.
The state requires liability insurance coverage with minimum limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Enter your ZIP code to begin.
How can I find cheap car insurance in North Dakota?
What are some common discounts available for car insurance in North Dakota?
Insurance providers in North Dakota often offer various discounts to help drivers save on their car insurance premiums. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, low mileage discounts, and discounts for having certain safety features installed in your vehicle.
What are the unique driving challenges in North Dakota that can affect insurance premiums, particularly during winter months?
North Dakota’s harsh winter conditions, including snow and ice, significantly increase the likelihood of accidents, which can drive up insurance premiums. Drivers may need to invest in winter tires or all-wheel-drive vehicles to mitigate these risks and possibly lower their insurance costs. Enter your ZIP code to compare.
Is it possible to get car insurance in North Dakota with no down payment?
Yes, some insurance providers in North Dakota may offer car insurance for a stolen car with no down payment options. However, it’s important to note that these policies may have higher monthly premiums or additional fees.
It’s advisable to carefully review the terms and conditions before opting for a no down payment car insurance policy, especially regarding coverage for a stolen vehicle.
How does North Dakota’s no-fault insurance law influence claims and premium rates compared to other states?
North Dakota’s no-fault insurance system requires drivers to carry personal injury protection (PIP), which covers medical expenses regardless of fault, affecting how claims are processed.
This can lead to lower premiums for certain drivers but may also result in higher costs for those with extensive medical claims.
How can drivers in North Dakota benefit from taking defensive driving courses in terms of insurance premiums?
Completing a defensive driving course can help North Dakota drivers become safer on the road, which many insurance companies reward with discounts on premiums.
Additionally, these courses often provide valuable tips for avoiding accidents and understanding state traffic laws. Enter your ZIP code to now.
What steps can drivers take to ensure they meet North Dakota’s minimum insurance requirements effectively?
To meet North Dakota’s minimum insurance requirements, drivers must carry liability coverage of at least $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage law.
Regularly reviewing and updating insurance policies can help ensure compliance with state laws and avoid penalties.
What role do vehicle safety ratings and features play in determining car insurance rates in North Dakota?
Vehicle safety ratings and features, such as anti-lock brakes and airbags, can significantly influence car insurance rates in North Dakota. Insurers typically offer discounts for vehicles equipped with advanced safety technologies, as they reduce the likelihood of accidents and claims.
Enter your ZIP code below to compare cheap insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.