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Cheap SR 22 Auto Insurance in North Dakota: Best Companies & Quotes
Car Insurance Expert
Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Best Car Insurance Companies in North Dakota
- Grinnell Mutual
- American Family
- State Farm
- Auto Owners Insurance
|Grinnell Mutual||American Family||State Farm||Auto Owners Insurance||Geico||Progressive|
|AM Best Financial Strength Rating||A||A||A++||A++||A++||A+|
|JD Power 2019 Overall Customer Satisfaction score||Not Rated||3/5||5/5||3/5||3/5||3/5|
|Avg Annual Premium||$330||$388||$391||$555||$629||$872|
|Consumer Reports Reader Score||N/A||89||78||N/A||78||75|
Auto Insurance Statistics in North Dakota
Auto insurance rates North Dakota have been significantly lower than the national average for many years. Drivers in the state can review the rates compared with national averages to see how much they are saving in comparison to other states nationwide.
Top 10 Cheapest Car Insurance Companies in North Dakota
|Rank||Company Name||Avg. Annual Premium|
|9||Auto Club Group||$1,750|
|10||National Farmers Union P&C||$1,926|
Drunk Driving Fatalities
Drinking and driving often results in death and in North Dakota and other states nationwide, this practice continues. To avoid fatalities from drinking and driving, drivers must consider abstaining from operating a vehicle when under the influence of alcohol. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in North Dakota vs. nationwide.
Drunk driving fatalities in North Dakota from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in North Dakota is significantly higher than the national average. This a serious epidemic that needs to be addressed in schools and at home for early intervention. This data shows that far more teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of North Dakota drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in North Dakota vs. Nationwide (2017)
SR-22 Insurance in North Dakota
Like most states in the country, North Dakota has strict SR-22 insurance regulations for individuals who have previous driving infractions. If local authorities say you need an SR-22 policy to get back on the road, you can face strict punishments for continuing to drive. An SR-22 policy is essentially a form that provides evidence that you have North Dakota's minimum insurance requirements.
While minimum requirements can change, you should be aware that SR-22 policy providers will immediately notify North Dakota driving officials if you cancel or amend your policy outside of its permitted scope. Because these policies are given to individuals with driving offences, they tend to be more expensive — make sure to compare rates before you buy a policy.
Car Theft in North Dakota
Car theft in North Dakota has been higher over the past few years with some years seeing more and less car thefts when compared to the national average. By finding out about the rate of car theft in North Dakota, it will be easier to understand the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank nationwide vs. North Dakota
Uninsured Motorists in North Dakota
Driving without sufficient auto insurance is a practice that could cause you to have to pay out of pocket for accident related expenses. Yet drivers across the country still remain uninsured due to financial reasons and socioeconomic challenges. It helps to carry uninsured and underinsured motorist coverage. The below data shows how well North Dakota ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
- Bodily Injury Liability: This covers any claims made against you for bodily injury caused to another person through the operation of your vehicle; $25,000 per person, $50,000 per accident minimum.
- Property Damage Liability: This protects you from claims brought over damage to someone else's property through the operation of your vehicle; $25,000 per accident minimum.
- Uninsured Motorist Coverage: This form of insurance provides you with coverage for a bodily injury claim you could have against another driver without insurance; $25,000 per person, $50,000 per accident minimum.
- Underinsured Motorist Coverage: This provides coverage for a bodily injury claim you could have with another driver whose liability coverage is less than your underinsured coverage; must be equal to the uninsured motorist coverage amount.
- Basic No-Fault: This gives you coverage for economic loss incurred – such as medical expenses or time off work – as the result of an auto accident, regardless of who's at fault; $30,000 per person minimum.
There are additional forms of coverage available as well, including: collision, towing, comprehensive, death and dismemberment, and GAP coverage. But if you're looking for the cheapest auto insurance, you probably want to stick with the minimum requirements. To make this easier, we've made a list of cheap auto insurance companies for each of North Dakota's five biggest cities.
North Dakota's biggest city, perhaps most famous for the movie of the same name, is a great college town. Like the rest of the state, winters can get extremely cold, which means having a properly insured vehicle is a must.
Auto insurance rates here are among the cheapest in the state, costing an average of $1,148 per year. To get the lowest rates possible, check out these companies, led by Nodak Mutual offering average rates of $618 per year:
- Nodak Mutual
- State Farm
Bismarck is North Dakota's capital and second largest city. It's also a great place to raise a family, boasting low crime rates and an excellent public school system. Auto insurance here is cheaper than the state average, at $1,224 per year. By choosing the right company, you can get a great deal with any of these companies:
Grand Forks, ND
- State Farm
- Nodak Mutual
The third largest city in ND, Grand Forks is also one of the cheapest places to get auto insurance. Residents pay an average of $1,154 annually. With a little shopping around, that figure can nearly be cut in half, to around $600:
- State Farm
- Nodak Mutual
Proving that bigger cities don't always equate to more expensive auto insurance, Minot – the state's fourth largest city, is yet another place on the list with cheap insurance rates compared to the state average. Residents here pay about $1,200 per year to get their vehicles insured. These companies have even cheaper rates:
West Fargo, ND
- Nodak Mutual
- State Farm
The trend of cheap insurance rates continues with our last city, West Fargo, which has the cheapest auto insurance in the state. Those who drive in ND's fifth largest city only pay $1,137 per year on average. With a little shopping around, consumers can potentially slash another $500 off that figure:
- Nodak Mutual
- State Farm
Types of Auto Insurance Coverage in Nebraska:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
New Driver Licensing Requirements
Residents in the state of North Dakota will have 60 days in which to get an official state driver license. North Dakota requires that all new drivers that are under 18 years of age obtain an Instruction Permit. The Instruction Permit program and Minor’s Driver License program are available to younger drivers.
- Instruction Permit: Starting at the age of 14, the Instruction Permit makes it possible for an applicant to begin driving as long as they are supervised. They will need to pass written and vision tests as well as completing a driver education course. When the permit is held, the driver must hold it until the age of 15 and 15 for 12 months. At the ages of 16 and 17, it must be held for 6 months or until the driver turns 18, whichever event precedes the other.
Source: North Dakota Driver’s Manual
Cheap Auto Insurance Discounts
Rivers looking for cheap auto insurance quotes in North Dakota can benefit from taking advantage of auto insurance discounts. At CheapAutoInsurance.co, we strive to help you get the lowest possible rates on auto insurance. That is why we have put together a list of common insurance discounts which can help you save. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in North Dakota each year.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
Being one of the few no fault insurance states in the country, North Dakota has its own set of rules when it comes to insurance that are a bit different from other states. If you want to acquire insurance in North Dakota and be properly prepared for any auto accident you find yourself in, it’s important to make sure you understand the rules regarding their insurance policies.
Check out the answers we’ve provided on what you need to acquire insurance in North Dakota, what that insurance covers and what may happen if you find yourself in an accident.
Getting Coverage in North Dakota
North Dakota has different requirements for getting coverage and there are several things that can drastically affect your premiums. Not only your driving record, but everything from your credit score to your occupation all plays a huge role in your coverage. Check out the answers we’ve provided below on getting coverage.
What does collision auto insurance cover in ND?
What is collision for auto insurance in North Dakota?
How long do you have to add a new car to your insurance policy in North Dakota?
How soon do you need insurance after buying a car ND?
How to file complaint with ND dept of insurance for auto insurance?
Is auto insurance non-renewal letter legal when losses are not listed in North Dakota?
When did it become mandatory, by law, to have auto insurance in the state of North Dakota?
How long is auto insurance claims allowed on reporting in North Dakota?
Why doesn't North Dakota have 12,500/25,000/12,500 car insurance coverage anymore?
Do you need proof of insurance when you register a car in North Dakota?
What auto insurance does a dealership in North Dakota carry?
Do I have insurance coverage when I buy a new car North Dakota?
What do I legally have to carry for auto insurance in North Dakota?
Who has to be listed on your auto insurance policy in the state of North Dakota?
How to become a local car insurance company privately owned in North Dakota?
What is considered full coverage auto insurance in North Dakota?
How does auto insurance change from place to place in North Dakota?
Why did North Dakota raise car insurance premiums 2017?
How long do I have to file an insurance claim after a car accident in North Dakota?
Where to file North Dakota auto insurance complaint?
When I have a loan on a car, what type of insurance do I need in North Dakota?
How can you legally take insurance off your car North Dakota?
How to switch auto insurance in North Dakota?
How to shop for auto insurance in North Dakota?
How to get motorcycle insurance in North Dakota?
The Costs of Coverage
With so many things playing a major impact on the cost of coverage in North Dakota, it’s significant to find any way possible you can to keep those costs down. We’ve answered several questions below on what has an impact on the cost of coverage and some things you can do to keep it down.
Just turned 18 in North Dakota, about how much is car insurance?
Who has the cheapest car insurance in North Dakota?
How much is auto insurance per month North Dakota?
How much is car insurance for a 2012 vehicle for a 19-year-old male driver in North Dakota?
How much is for comprehensive car insurance for Progressive in North Dakota?
What is the state minimum car insurance in North Dakota?
How much does a teen girl add to car insurance in North Dakota?
What is the average cost of car insurance in North Dakota?
How much is car insurance for a 20-year-old male North Dakota?
How much is car insurance in North Dakota for a 25-year-old?
How much does liability cover in North Dakota for car insurance?
How much is car insurance in North Dakota for a sports car?
How much does car insurance cost in North Dakota for 16-year-old?
How much do you save on car insurance with defensive driving in North Dakota?
How long does an auto insurance company have to settle a claim North Dakota?
Why North Dakota auto insurance is so high?
What does insurance pay in North Dakota if a car is totaled?
How much does classic car insurance cost?
Car Insurance Penalties for North Dakota
North Dakota comes with several penalties for those who aren’t insured. It can be difficult to recover from the setbacks that not having insurance causes, especially since the penalty can stay on your record for several years.