North Dakota Car Insurance - Auto Insurance Quote in ND
Use CarInsurance.com to get great auto insurance in North Dakota, a state with plenty of scenic drives, including the Killdeer Mountain Four Bears Scenic Byway (Highway22). The route crosses Lost Bridge over the Little Missouri River and enters the Fort Berthold Indian Reservation.
| Current average car insurance premium in North Dakota | $0.00 |
| Current average car insurance premium U.S. | $1,602.16 |
| Fargo | $1,070.63 |
| Bismarck | $1,502.36 |
| Check out our car insurance rates in more North Dakota cities | |
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Need some good news? Well, North Dakota residents, on average, pay less for car insurance than the rest of the nation. Even so, rates fluctuate from month to month. Use CarInsurance.com's Average Premium Trend Tool. It tracks rates on an ongoing basis. Just follow the arrow; it shows North Dakota’s monthly average premium.
This site, ranked at the top for car insurance, has tools that are ideal for shopping around when you want to re-evaluate an existing policy or buy a new one. We offer quotes from several of the highest rates insurance carriers available. They'll give you all the information to ensure you make the best decision.
North Dakota state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage with 25/50 UM limits.
Minimum Required Insurance Coverage in North Dakota
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $30,000 Limit
The state of North Dakota follows a No-Fault system, meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. North Dakota state law requires a minimum Personal Injury Protection coverage of $30,000.
To help protect against damages caused to you and your passengers by an uninsured driver, North Dakota state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
CarInsurance.com has highly qualified insurance agents (all licensed in North Dakota) standing by to answer questions or assist you while considering a policy. To start off, evaluate the Minimum State Required package. Of course, you can tailor a policy through deductibles and coverage limits
When using CarInsurance.com to acquire your auto coverage, keep in mind that you can get a better deal by using discounts offered by most companies. Have a clean driving record? That's a discount. Plan on insuring more than one vehicle? There's another one. Just ask the insurance companies; they'll tell you what's available.
A hot car isn’t always a great thing. Theft rates can have a big effect on your car insurance rates. See what thieves are stealing in North Dakota:
