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Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Updated Nov 03, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X How much is car insurance in North Dakota? If you're shopping for in North Dakota, consider the local averages to get a sense of what you might end up paying. The average cost of car insurance in North Dakota is $285 and $1,264 per year for minimum coverage and full coverage, respectively, according to Bankrate's 2022 study of quoted annual premiums. While averages can give a good sense of things, it is important to remember that prices can vary quite a bit to either side of the average. This price range is one more reason to pursue savings whenever they are available. When it comes to car insurance premiums, every little bit matters, that is why it can help to understand what influences your rates. Seeing how things like location or age can alter costs helps customers to make more informed purchases when trying to find the best auto insurance policy for them. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in North Dakota
Car insurance premiums are calculated using a wide array of variables. Age, address, driving record, insurance score, vehicle information and more can be used by insurance companies when determining rates. Still, knowing the different can help to paint a more informed picture. For instance, when considering North Dakota auto insurance rates, the average cost for minimum coverage is $285 per year, and the average cost of full coverage is $1,264 per year. In contrast, is $1,674 per year for full coverage. But how much is car insurance in North Dakota per month? Per month, for full coverage the average is $105 and for minimum coverage it is $24. But just knowing that you pay less on average in North Dakota may not be enough. There are often ways to save further on can insurance. Strategies for reducing auto insurance costs can include everything from which company you choose to what discounts you qualify for and what type of coverage and limits you want. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. North Dakota car insurance rates by company
Every auto insurance company calculates its own rates, often using its own proprietary systems. The difference between them is enough to show up when their average rates are viewed together. Below is a table of the , along with the North Dakota annual average car insurance rates for each company. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $460 $1,827 $263 $819 $281 $1,334 $188 $990 $241 $1,122 Grinnell Mutual $334 $1,779 $525 $2,734 $262 $1,090 Nodak $164 $1,294 North Star Mutual $220 $1,434 $370 $1,129 QBE $440 $1,184 $284 $1,224 $180 $815 North Dakota car insurance rates by city
Average car insurance rates in North Dakota can vary significantly between cities and sometimes within cities. Based on population size, the top twenty cities were compared by average auto insurance rates. These rates were then measured against the state average for car insurance rates in North Dakota. City Average annual premium for full coverage % increase from state average annual premium Fargo $1,085 -14% Bismarck $1,201 -5% Grand Forks $1,100 -13% Minot $1,198 -5% Mandan $1,255 -1% Dickinson $1,235 -2% West Fargo $1,072 -15% Williston $1,270 0% Jamestown $1,168 -8% Wahpeton $1,199 -5% Devils Lake $1,247 -1% Valley City $1,201 -5% Grafton $1,257 -1% Minot AFB $1,194 -6% Belcourt $1,297 3% Lisbon $1,211 -4% Rugby $1,302 3% Hazen $1,320 4% New Town $1,342 6% Watford City $1,325 5% North Dakota car insurance rates by age
One of the primary pieces of information that goes into calculating auto insurance premiums is age. On average, the youngest and oldest drivers are more likely to experience auto incidents or commit traffic violations. As a reflection of this, providers charge these age groups depending on how expensive they are to insure. Age Average annual premium in North Dakota $1,507 $3,766 $2,648 $1,576 $1,390 $1,264 $1,184 $1,136 Age 70 $1,202 *16-year-old calculated on parent's policy disclosure; 18- and 20-year-old are renters North Dakota car insurance rates by driving record
Driving records and past offenses are both key variables used to determine rates. Not all traffic violations impact premiums to the same degree, however. For instance, DUIs usually raise rates considerably more than speeding tickets do. Knowing how expensive some offenses are can help to encourage drivers towards safer road habits. Driving incident Average annual full coverage premium in North Dakota % increase of average annual premium $1,540 22% $1,762 39% $2,395 89% How to save on car insurance in North Dakota
Beyond choosing where you live, there are often several ways to save on car insurance. When trying to find the , it helps to combine multiple strategies for savings. Everything from discounts to policy details to basic demographics can play a role in reducing costs. Pursue discounts: Many auto insurance providers offer discounts. These savings can be attached to different requirements. Rewards for paperless billing, safe driving history, policy bundling and vehicle safety features are some common examples. The more discounts you qualify for and use, the more you may save on your rates. Reduce coverage: If you have more than the legally required amount of car insurance, you can reduce your coverage limits. Doing so will reduce your premiums, but it is essential to note that it comes at the cost of reduced financial security around your vehicle. Increase deductibles: Higher deductibles can often lead to lower rates, but this can be a risky method. You have to pay out of pocket an amount equal to your deductible before your insurance policy will make any payouts on a claim. So, a higher deductible will save on rates but will cost you more out of pocket if you need to file a claim. Wait and drive safe: Driving record is one of the main factors that contributes to auto insurance rate calculations. By spending a significant amount of time (generally 1-3 years) not having any traffic violations or insurance incidents, you can often reduce your costs. Frequently asked questions
All but three states have auto insurance minimums required by law. , these minimums are $25,000 in personal injury liability per person, $50,000 in personal injury liability per accident and $25,000 in property damage liability per accident. On top of those, North Dakota requires uninsured motorist insurance of at least $25,000 per person and $50,000 per accident.
The best car insurance for one driver may not always be the best car insurance for another driver. Rates are so individualized, and policies can be that no two customers have the exact same experience, even with the same companies and types of insurance. That is one reason it is recommended to compare numerous providers when looking for a policy. Consider starting with .
Generally, the costs of moving far exceed the savings one might get on their car insurance policy. If you are planning to move already, though, it would not hurt to check the average rates by zip code in your city. If there are two places you are considering living at and one has a zip code with cheaper rates, this may help inform your decision. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Joshua Cox-Steib Insurance Contributor Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers.