Insurance

Best Ways To Get Affordable Car Insurance In North Dakota

North Dakota is the 19th largest state in the US and also the 3rd least populated state. North Dakota has the least expensive auto insurance in the country. A driver in North Dakota pays an average of $686 per annum which is below the national average of $935 per annum.

The rates a driver pays in North Dakota are dependent on some factors. These factors include your location, age, marital status, driving history, gender, credit score, and the make and type of vehicle.

Auto insurance companies use these factors to determine how much you would pay for your car insurance.Because there are a lot of personal factors to be considered, premiums vary among individuals.

Minimum Coverage Requirement In North Dakota

Minimum liability insurance is the least amount required by the state that drivers must have to pay for damages and/or injuries they cause to others.

For you to drive legally in North Dakota, you must buy at least the minimum car liability insurance stated below:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to multiple people in one accident
  • $25,000 for damage to property in one accident

This is usually written as 25/50/25.

Although the minimum liability insurance is the state requirement, it is inadequate.  Auto insurance professionals advise that drivers purchase a higher coverage if they can afford it.

The reason is to protect you from financial losses when you’re involved in a serious accident.

The property damages, bodily injuries and medical expenses acquired can exceed the minimum liability requirements you have and you can be sued for the rest.

Uninsured And Underinsured Motorist Coverage

Underinsured motorist coverage and uninsured motorist coverage protect you when a driver with little or no liability insurance hits you. It pays for your medical bills but does not cover damage to your car. 

Cheapest Minimum Liability Car Insurance In North Dakota

The minimum liability insurance is the least policy needed to drive in North Dakota.it is mostly not a good choice but is the best choice for drivers looking to cut costs.

Auto insurance providers that offer the cheapest rates for minimum coverage are:

  • USAA: $171 per year
  • Nodak Mutual: $208 per year
  • GEICO: $283 per year
  • AAA: $286 per year
  • State Farm: $305

USAA is the cheapest auto insurance provider but it is exclusive to members of the military, veterans, and their families with an average of $171 per year for liability coverage in North Dakota. The most expensive auto insurance for minimum coverage is Allstate with an average of  $546 per year.

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Cheapest Full Coverage Car Insurance In North Dakota

In addition to liability coverage, a full coverage policy includes comprehensive collision insurance that protects you from accidents in North Dakota. The policy pays for damages to your car and takes care of the other party’s damages.

As expected, it is more expensive than the minimum liability insurance. However, different insurance companies rate differently.

The cheapest auto insurance companies for full coverage in North Dakota are:

  • USAA: $403 per annum
  • Nodak Mutual: $492 per annum
  • GEICO: $555 per annum
  • American Family: $577 per annum
  • State Farm: $579 per annum

USAA offers the cheapest rates for full coverage in North Dakota with an average annual of $403, but it is exclusive to military members, veterans, and their families. MetLife is the most expensive insurer of full coverage with average yearly premiums of $1,282.

Cheapest Car Insurance For Drivers With A DUI In North Dakota

 A DUI conviction on your driving record raises your premium significantly compared to drivers with a clean record. Drivers with a DUI are likely to have their license suspended, serve jail terms and pay fines. They are considered high-risk drivers and consequently pay higher premiums. The most affordable car insurance companies in North Dakota for a driver with a DUI and full coverage are:

  • American Family: $598 per year
  • State Farm: $634 per year
  • Nodak Mutual: $770 per year
  • Progressive: $793 per year
  • USAA: $932 per year

American Family is the cheapest auto insurance provider with an average annual of  $598 followed by State Farm with an average annual of $634.

Cheapest Car Insurance For Drivers With An At-Fault Accident In North Dakota

Having an at-fault accident on your driving record increases the premiums you pay for auto insurance in North Dakota.

Drivers in North Dakota with an at-fault accident on their record should consider getting quotes from the companies below as they offer the cheapest rates:

  • USAA: $565 per year
  • American Family: $598 per year
  • Nodak Mutual: $641 per year
  • State Farm: $689 per year
  • AAA: $950 per year

USAA is the cheapest option overall at $565 yearly, but only current and former members of the military and their families can apply to be covered by this insurer.

USAA offers the lowest premiums with an average annual of $565 per year followed closely by American Family with an average annual of $598.

Cheapest Car Insurance Companies In North Dakota For Drivers With Bad Credit

Drivers with bad credit in North Dakota pay higher rates compared to drivers with good credit scores. Below are some insurance companies that offer the lowest premiums for drivers with bad credit:

  • USAA: $694 per year
  • GEICO: $872 per year
  • American Family: $889 per year
  • Nodak Mutual: $960 per year
  • Allied: $886 per year

USAA for military members, veterans, and their family members is the cheapest company for drivers with bad credit with an average annual of $694. But if you are not in or related to the military, Geico is a good option.

Cheapest Car Insurance For Seniors In North Dakota

Senior drivers in North Dakota pay less for auto insurance than average drivers of 40 years old. Seniors in the state pay an average of $710 for their auto insurance coverage which is $33 less than what the average driver pays.

Some of the cheapest companies in North Dakota for senior drivers are:

  • Nodak Mutual: $427 per year
  • USAA: $452 per year
  • GEICO: $502 per year
  • American Family: $534 per year
  • State Farm: $562 per year

Nodak Mutual is the most affordable auto insurance provider with an average annual of $427 per year.

Cheapest Car Insurance For Young Drivers In North Dakota

Age is an important factor that determines how much you would pay for auto insurance in North Dakota.

 A 16-year-old driver in North Dakota will pay an average of $1,888 yearly for car insurance, while a 25-year-old will pay $803 yearly.GEICO is most often the cheapest car insurer for young drivers in North Dakota

  • 16 year old: $1,888 per year at Geico
  • 17 year old: $1,785 per year at Geico
  • 18 year old: $1,591 per year at Progressive
  • 19 year old: $1,721 per year at State Farm
  • 20 year old: $1,474 per year at Geico

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