Finding cheap car insurance in North Dakota is very achievable in the Peace Garden State, which has some of the lowest auto insurance rates in the nation. North Dakota's low population density, rural character, and safe driving conditions contribute to affordable premiums.
North Dakota offers a straightforward insurance market with competitive options. Understanding North Dakota car insurance requirements helps you find the best coverage at an affordable price.
North Dakota Car Insurance Requirements
North Dakota requires minimum liability coverage of 25/50/25—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Uninsured motorist coverage at 25/50 and PIP of $30,000 are also required.
North Dakota's no-fault system means your insurance pays for your injuries regardless of who caused the accident, up to your PIP limits.
What Affects North Dakota Car Insurance Rates
Your location within North Dakota has minimal impact on car insurance rates since even urban areas like Fargo and Bismarck have low traffic density. The entire state enjoys affordable rates.
Winter weather is a significant factor in North Dakota, affecting accident rates. Wildlife collisions are also common in rural areas, impacting North Dakota auto insurance comprehensive coverage.
How to Save on North Dakota Auto Insurance
Comparing quotes from multiple insurers helps you find the best cheap car insurance in North Dakota. Even in an affordable market, rates vary between carriers.
Take advantage of North Dakota's discount opportunities including safe driver, multi-policy, good student, and farm vehicle discounts. Winter tire discounts may also be available.