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Best Affordable Auto Insurance in North Dakota
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To get cheap auto insurance in North Dakota, you need to understand what the law requires your policy to have. This way we you are receiving free quotes and policy rates; you understand where your money is going. In North Dakota if a vehicle is licensed and registered in the state it must be insured for at least the minimum coverage amounts. That means that a basic insurance policy has $25,000 coverage for personal injury liability for one person, $50,000 injury liability coverage for two or more people, $25,000 in property damage liability, as well as uninsured and underinsured motorist coverage which varies depending on multiple factors. Once all of these requirements are met, a consumer technically has a legal car insurance policy. There are numerous other coverages offered that are intriguing for a consumer (such as rental car coverage or tow truck coverage) but these are not required by the state. Depending on the type of driver you are, your insurance requirement will change. Finding the best and most affordable auto insurance in North Dakota can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in North Dakota. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Roughrider State.

Understanding North Dakota's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in North Dakota one must understand what coverage they need. North Dakota is a no-fault state that requires Personal Injury Protection (PIP) to be a part of your policy, as well as protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In North Dakota the minimums are 12.5/25/7.5. The numbers are in thousands of dollars.

North Dakota Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 12.5/25/7.5
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $251
  • Average Collision Cost: $185
  • Average Comprehensive Cost: $222
  • Average Cost per Year in North Dakota: $512
  • US Average Cost: $795
  • Expense Rank: 51/51

Best North Dakota Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
40%
N/R
N/A N/R
39%
63%
N/A 42%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A 50%
N/A N/R
N/A 75%
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%