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North Dakota’s Auto Insurance Requirements, Best Insurer Options, & Helpful Strategies for Savings

To help to keep insurance costs as low as practical and lower the frequency of court actions which are currently being filed annually by North Dakota drivers, ND has changed into one of the country’s few no-fault states.

ND cheapest insurers for 25 year old.

Note: On average a 25 year old driver can pay over $1,500 for an auto premium. The cheapest we queried are USAA, Allied, and Nodak Mutual as illustrated. Each at $1,132, $1,170, and $1,187 respectfully for full coverage. For more detailed information please see rate table below.

No-fault is known as Personal Injury Protection (PIP) is required and the basic coverage is for economic loss of medical expenses or loss of wages as a result of an accidental injury in the automobile without regard to who is “at-fault”.

Minimum Car Insurance Requirements in North Dakota

CoverageND Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$100,000
Uninsured Motorist Coverage$25,000 / $50,000$100,000 / $300,000
Underinsured Motorist$25,000 / $50,000$100,000 / $300,000
Personal Injury Protection$30,000 limit$30,000 limit
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$250 deductible

Bodily Injury Liability

This sort of coverage will pay for the doctor’s bill of the other vehicle’s occupants when the insured individual is revealed to be at-fault. Under the minimum coverage, the insurer will pay up to $25,000 for a single person and $50,000 for all occupants of the automobile.

North Dakota lowest premium options for 30 year old.

Note: As illustrated, the cheapest providers for a 30 year old are USAA, Allied, and Nodak Mutual. Clustering between $1,002 (USAA) and $1,054 (Nodak Mutual) for full coverage. More details in rate table below.

Property Damage Liability

In the event the insured individual is at-fault for the accident, property damage liability will pay up to $25,000 for damages to public property, personal property and the other vehicle involved when minimum coverage is held.

Low cost North Dakota quotes for 35 year old driver.

Note: A 35 for year old driver find quotes below $1,000 per year. The most inexpensive are USAA, Allied, and Nodak Mutual. Clustering between $855 and $909 for a full coverage premium.

Affordable Car Insurance Companies by Rate & Age

RankND Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1USAA$1,132$1,002$855$611$489$423
2Allied$1,170$1,009$887$645$543$465
3Nodak Mutual$1,187$1,054$909$708$568$490
4GEICO$1,195$1,055$922$721$578$500
5State Auto $1,293$1,078$921$765$580$498
6State Farm$1,327$1,098$923$769$600$476
7Allstate$1,400$1,124$929$780$609$489
8Auto-Owners$1,419$1,176$933$795$622$510
9Nationwide$1,432$1,200$965$805$632$511
10American Family$1,457$1,202$986$808$633$532
11Progressive$1,467$1,233$980$816$644$531
12Travelers$1,519$1,239$1,004$818$645$548
13EMC$1,523$1,276$1,054$818$651$560
14MetLife$1,546$1,289$1,076$820$655$553
15Liberty Mutual$1,637$1,300$1,098$823$675$557
16North Star$1,678$1,311$1,128$834$700$580
17Dairyland$1,737$1,376$1,187$844$702$586
1821st Century$1,769$1,476$1,201$902$709$590

Uninsured Motorist Protection

Since the state has a fair amount of uninsured motorist uninsured/underinsured motorist protection is required in the amount of $25,000 per person and $50,000 per accident.

UM, or uninsured motorist protection provides cover for a bodily injury claim you have against another driver who does not have or has inadequate insurance.

40 year old cheapest premium choices in ND.

Note: Two insurers are less than $700. USAA and Allied each at $611 and $645 for a 40 year old driver.

Comprehensive, Collision, & Other Optional Coverage

In the state of North Dakota it is highly recommended to carry additional insurance since the state has harsh winter seasons and the possibility of hitting animals.

Comprehensive coverage provides damage to your vehicle caused by items other than collision such as theft, hail, or fire. It is know as “non-collision” cover.

Collision coverage provides physical damage to your vehicle that is caused by colliding with another vehicle or object. If you have this cover it will pay no matter who is at-fault.

ND inexpensive premium options for 45 year old.

Note: As illustrated, quotes from each insurer are less than $600. USAA being the most affordable at $489 per year.

Other Optional Coverage in ND

  • Towing – Provides cover to reimburse for towing expenses in an emergency

  • Death/Dismemberment – Provides accidental death and dismemberment cover

  • Gap cover – Provides payment to the lending institution for the difference between the amount of your car loan and the actual “cash value” payment when your vehicle is lost or stolen.

North Dakota affordable premium choices for 55 year old.

Note: A 55 year old driver with good driving history should be able to find quotes lower than $500 per year. USAA, Allied, and Nodak Mutual are the lowest. Each at $423, $465, and $490 respectfully for an auto policy.

Average Amount of Coverage per Driver

  • Bodily Injury Liability – $100,000/$300,000

  • Property Damage Liability – $100,000

  • Uninsured Motorist Cover – $100,000/$300,000

  • Underinsured Motorist Cover – $100,000/$300,000

  • Personal Injury Protection – $30,000 limit

  • Comprehensive Cover – $250 deductible

  • Collision Cover – $500 deductible

Best Insurance Firms by Consumer Rating, Rate Change Over 18 Months, & Complaints

ND CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Auto-Owners$14,231,218+2.2%04.3
North Star Mutual Company$10,534,760+2.5%04.1
Allied$7,269,643+2.3%03.8
Grinnell Mutual Insurance$8,127,759+2.5%03.8
AAA / Automobile Club$5,811,188+2.7%03.9
MetLife$5,688,047+2.7%03.9
Nationwide$3,314,800+2.2%04.0
Nodak Mutual Company$34,584,082+2.2%13.8
State Farm$62,022,182+2.5%24.3
USAA$21,137,924+2.7%14.6
Center Mutual Company$18,416,235+2.8%23.8
American Family$43,411,971+2.8%54.1
Progressive$67,704,586+2.2%84.3
QBE $39,028,246+2.6%53.9
Farmers$11,999,120+2.7%24.1
Country Financial $4,887,515+2.7%13.7
EMC $8,324,329+2.7%23.6
Allstate10,554,375+2.4%34.3
Safeco7,143,879+3.1%33.9
GEICO14,044,264+3.1%74.4
State Auto5,439,612+2.8%34.0
Horace Mann3,099,370+2.9%23.9

The median cost of auto insurance in North Dakota for a one year term is just under $1,300. Compared with the nation’s average of $1,580, the premiums in the state are reasonably low. But car insurance rates can be tailored to fit your needs and you never can tell how much you’re going to pay unless you start asking for quotes.

Insurance corporations will use a few different factors to ascertain how much risk you pose and how much you need to pay for coverage. After you use our advance comparison tool at the top of the page you want to be sure you discuss with our broker or agent all available discounts and options to get reduced cost auto insurance quotes for your vehicle.

Average Rate by City in ND

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Beulah$1,2513,393Grafton$1,2494,243Mandan$1,34121,382
Bismarck$1,20971,167Grand Forks$1,33757,011Minot$1,36549,450
Carrington$1,2332,521Harvey$1,1211,779New Rockford$1,2021,390
Casselton$1,2122,072Hazen$1,1882,488Park River$1,1521,375
Devils Lake$1,1007,351Hillsboro$1,1771,580Valley City$1,0986,669
Drayton$1,276785Jamestown$1,20815,422Wahpeton$1,1287,899
Fargo$1,321118,523Lisbon$1,0652,145Williston$1,30426,977

Fargo, ND

Fargo, ND lowest premium quotes for 30 and 55 year old drivers.

Fargo is the largest city in the state with over 120,000 residents. Formerly named Centralia, Fargo was founded in 1871 by William Fargo who was the director of the Northern Pacific Railway and established the Wells Fargo Express Company.

Today it is the center of retail, healthcare, manufacturing as well as education for the region. Fargo is home to the Plains Art Museum which is recognized as the largest museum of art in North Dakota. Other notable attractions include, the Reineke Arts Center, Fargo Civic Center, John E. Carlson Coliseum, Urban Plains Center, Bonanzaville, USA, Fargo Air Museum, and the Hjemkomst Center.

Fargo residents can find cheap car insurance if they know where to get quotes from. The cheapest are USAA at $812, Nodak Mutual at $843, and State Farm at $890 for a 30 year old driver. Which is over $400 in savings compared to the citywide average of $1,321. Which equates to 24% lower.

A 45 year old driver can find low rates with USAA, Nodak Mutual, and State Farm. Each at $612, $643, and $655 respectfully. Over $600 lower than the mean rate in Fargo.

A 55 year old can get very low rates with USAA at $460, Nodak Mutual at $465, and State Farm at $468. All three clustered at the $460 mark for older drivers. Allied and State Auto should definitely be considered for maximum savings and optimum coverage for any aged driver in Fargo.

Fargo CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
USAA$812$612$460
Nodak Mutual$843$643$465
State Farm$890$655$468
Allied$954$668$480
State Auto $965$670$520
GEICO$980$732$525
Allstate$1,008$780$540

Bismarck, ND

Bismarck, ND inexpensive premium options for 30 and 55 year old.

Bismarck is the capital and the 2nd largest city in the state with nearly 80,000 residents. Named after German chancellor Otto Von Bismarck to entice German immigrants to move to town. In the late 1800’s and early part of the 19th century the city had two devastating fires. After the fires, Bismarck was rebuilt and prospered well into the 1950’s.

Today, The city features the historic neighborhood known as the Cathedral District. Primarily due to manufacturing, health care and retail businesses, Bismarck is recognized as the economic nucleus of south-central North Dakota. Notable events and attractions include the Lewis & Clark Riverboat, Sertoma Park, Bismarck Art and Galleries Association, Buckstop Junction Missouri Valley Fairgrounds, Camp Hancock, Chief Looking’s Village, The Dakota Zoo, and Ft. Abraham Lincoln Sate Park.

Getting cheaper auto insurance is fairly easy in Bismarck if you get quotes from USAA, Nodak Mutual, and Allied. Each at $832, $847, and $887 respectfully for a 30 year old driver. Which is 27% lower than the average “mean” rate of $1,209.

For a 45 year old driver we found 5 insurers clustering between $608 and $656. The cheapest is USAA at $608 for full coverage. Nodak Mutual is $30 more at $632, and Allied is $654. All more than 30% lower than the “mean” rate over $1,200.

A 55 year old can find rates below $500 with three insurers. Which are USAA, Nodak Mutual, and Allied. Out of the 7 insurers queried, the most expensive is Allstate at $990 for a 30 year old, $753 for a 45 year old, and $554 for a 55 year old driver.

Bismarck CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
USAA$832$608$467
Nodak Mutual$847$632$448
Allied$887$654$498
State Farm$932$644$508
AAA$944$656$511
GEICO$969$708$543
Allstate$990$753$554

Grand Forks, ND

Grand Forks, ND cheapest quote choices for 30 and 55 year old.

Grand Forks is the 3rd largest city in the state with nearly 60,000 residents. It was originally an important trading and meeting point for Native American tribes. Early fur trappers and French explorers referred the area as Les Grandes Fourches. The first post office of the area was established on June 15, 1870. A steamboat captain named Alexander Griggs, who platted the city in 1875, is regarded as “The Father of Grand Forks.”

Less than 75 miles from Fargo, today, it is a vibrate northern city with cultural and eclectic arts. Tourist can enjoy history by taking a trip to the North Dakota Museum of Art, the Myra Museum or Heritage Village. Popular festivals include the Grand Cities Art Fest, the Rhubarb Festival and the Greater Grand Forks Fair and Exhibition.

The world’s largest french fry feed is held every year in Grand Forks, during Potato Bowl USA. A new record was set on September 10, 2015, when 5,220 pounds of french fries were served.

The average rate in Grand Forks is $1,337 per year. Affordable insurance is found with USAA, Nodak Mutual, and AAA. Each at $765, $802, and $822 per year for a 30 year old driver. Which is about 35% lower than the “mean” rate.

A 45 year old driver can get lower quotes with USAA ($600), Nodak Mutual ($611), and AAA ($643). More than 50% lower than the average rate of Grand Forks.

For a 55 year old the best options are USAA, Nodak Mutual, and AAA. All three insurers are less than $500 per year for full coverage. Out of the 7 insurers we queried for drivers in the city the most expensive is Allstate at $987 for a 30 year old, $765 for a 45 year old, and $564 for a 55 year old. Still well below the “mean” rate of $1,337 per year. 

Grand Forks CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
USAA$765$600$450
Nodak Mutual$802$611$438
AAA$822$643$487
Allied$832$676$500
State Farm$890$703$510
GEICO$954$722$563
Allstate$987$765$564

Minot, ND

Minot, ND lowest premium options for 30 and 55 year old drivers.

Minot is the 4th largest city in North Dakota with nearly 50,000 residents and over 80,000 in the micropolitan area. Minot’s arts and culture community includes an art museum, a symphony orchestra, an opera company, a city band, several dance and theater troupes, and a youth concert organization.

With a large Scandinavian population, Minot has been the host to the Norsk Høstfest, North America’s largest Scandinavian-American festival. Scandinavian Heritage Park is located in Minot. Scandinavian Heritage Park features remembrances and replicas from each of the Scandinavian countries: Sweden, Norway, Denmark, Finland, and Iceland. The city is known for Minot Air Force Base, the biggest employer in the city, followed by Trinity Health, and the Minot Public School System.

To get the lowest premium rate start by getting quotes from USAA, Nodak Mutual and Allstate. Each at $843, $845, and $876 respectfully for a 30 year old driver. Or more than 30% lower than the citywide average rate of $1,365. With a large military base USAA would be the best choice for many no matter their age.

We found 3 insurers less than $700 for a 45 year old driver. USAA, at $643, Nodak Mutual at $656, and Allstate at $680 for full coverage. Nearly 50% lower than the “mean” rate of Minot.

For a 55 year old we found 5 insurers clustering between $500 and $600 per year. USAA is the lowest at $510, followed by Nodak Mutual ($532), and Allstate ($558). All more than 50% lower than the “mean” rate. It would be smart for a 45 or 55 year old to get quotes from Allied and AAA for the most savings and optimum coverage.

Minot CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
USAA$843$643$510
Nodak Mutual$845$656$532
Allstate$876$680$558
Allied$905$709$580
AAA$943$754$590
State Farm$955$767$600
GEICO$1,008$805$623

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
600 E Boulevard Ave, Bismarck, ND 58505
(701) 328-2440
608 E Boulevard Ave, Bismarck, ND 58505
(701) 328-2500
1600 2nd Ave SW, Minot, ND 58701
(701) 857-7624
WebsiteWebsiteWebsite

Conclusion

Now that you know about auto insurance quotes in ND be sure to use the advanced comparison tool at the top of the page to get low quotes to possibly save you hundreds if not thousands of dollars over the next few years.

Sources

http://www.iii.org/issue-update/no-fault-auto-insurance

https://www.nd.gov/ndins/consumers/auto/

https://www.nd.gov/ndins

https://www.libertymutual.com

https://www.statefarm.com

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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