North Dakota is the US’s least populous state. North Dakota has the least populous state in the United States. The average cost for car insurance is $278 for liability coverage, and $1,264 to cover full coverage. According to the North Dakota Department of Transportation, traffic deaths have been declining since 2012. In 2019, there were 100 car accidents-related deaths, compared with 105 in 2018.
However, North Dakota is the most populous state in DUI-related deaths per capita. While the state’s Vision Zero campaign seeks to eliminate all traffic fatalities each year, more actions will be required to decrease the number DUIs. All these are good reasons to get cheap North Dakota car insurance.
North Dakota has the cheapest car insurance
There are many auto insurance companies that offer affordable coverage in North Dakota for all drivers. These are the top five most affordable carriers in the state .
Nodak
Nodak offers North Dakota drivers only vehicle insurance. By offering the best auto insurance in North Dakota, the local insurance company can concentrate on its neighbors and friends. Policyholders have the option to opt for accident forgiveness. This allows drivers to avoid an increase in vehicle coverage, and helps keep premiums down.
USAA
This insurance company is solely dedicated to providing affordable insurance for all types of military personnel and veterans. It is able to provide affordable car insurance to any military personnel with a clean driving record due to the low number of traffic deaths in the state.
USAA offers additional insurance options, including roadside assistance, rental reimbursement, accident forgiveness, guaranteed asset protection (GAP), insurance for car replacement (CRA) and insurance for vehicle replacement.
Farmers Insurance
Farmers provides affordable car insurance for drivers. You can get coverage such as new car replacement, towing and assistance along with roadside assistance. You can get cheap car insurance by being a student, bundling your insurance policies, and using the Signal app to monitor your driving habits.
Geico
The J.D. Power 2020 Satisfaction Study. The survey scored 855 points out of 1,000. A.M. Best gives Geico an A++ financial strength rating. Geico offers auto insurance policies for North Dakota residents. It also offers discounts for military personnel, multiple vehicles, federal employees, safety features and good drivers.
American Family
American Family offers a range of insurance options for car owners. You can also add rideshare, gap coverage, emergency assistance, and other coverages to your standard insurance coverages. Sign up for driver tracking via the American Family mobile app to get discounts for teens, who are often the ones paying the highest for car insurance.
Minimum coverage for North Dakota drivers
The state requirements to obtain the minimum amount you can insure your car if you live or drive in North Dakota are:
- Bodily Injury Liability: $25,000 per Person (the maximum amount payable for one person)/$50,000 Per Accident (the maximum amount payable for all persons injured in an accident).
- Property damage liability: $25,000 per accident.
- Uninsured motorist coverage: $25,000 per person/$50,000 per accident.
- Coverage for underinsured motorists: The coverage must be equal or greater than the uninsured coverage.
- Basic no-fault: $30,000/person
Many financial advisors and agents for car insurance recommend that clients have much more coverage than what is required by law. In many cases, the costs of an accident, particularly a serious one can quickly add up and exceed hundreds of thousands of dollars.
How to Get Cheap Car Insurance in North Dakota
If you reside in North Dakota, there are many things you can do to reduce your car insurance premiums. These are just a few options:
- Compare quotes from different providers to find the best deal.
- You can take advantage of discounts. Most insurers offer discounts for a variety of reasons, including being a safe driver, taking an instructor driving course, getting high grades, using modern safety equipment, and bundling home and auto insurance.
- Improve your credit score
- If you are able to establish an emergency fund with at least the same amount of cash as your deductibles, consider raising your deductibles.
Questions frequently asked
Which is the best North Dakota car insurance?
There is no “best” type of car insurance in this country. It all depends on a number of factors, including your driving record, age, and the type of car you drive. You may also qualify for discounts. Different insurance companies cater to different demographic segments.
What is the average cost for car insurance in the United States?
The average price for full coverage in the United States is $1674 per annum. North Dakota is below the average with an average cost for full coverage insurance at $1,264 per year, and $278 per year in liability coverage.
If I have a DUI, can I still get North Dakota car insurance?
If you have a DUI, you can still get insurance coverage in this state. Your insurance may be more expensive than if your driving record is clean.
