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North Dakota Car Insurance

In North Dakota, car insurance is essential to carry on every vehicle you own and operate, according to state law. Experts recommend that you review your North Dakota auto insurance policy at least once each year when the time for renewal comes and at least get quotes to make sure your insurer is still offering competitive rates.

Using an online quote system like the one above is the quickest and easiest way to obtain and compare a variety of North Dakota car insurance quotes.

North Dakota Auto Insurance State Requirements

North Dakota state requirements for car insurance are more extensive than in many other states. However, the limits are still inadequate for real world conditions and you should consider carrying limits much higher than state mandated ones. This is what you are required to carry:

  1. $25,000 bodily injury liability coverage per person
  2. $50,000 bodily injury liability coverage in total per accident
  3. $25,000 property damage liability coverage per accident
  4. Uninsured motorist (UM) coverage of at least the same limits as required for liability coverage
  5. Underinsured motorist (UIM) coverage equal to the uninsured motorist coverage you carry
  6. Basic no-fault or Personal Injury Protection (PIP) of at least $30,000 to cover medical expenses and lost wages, regardless of whom is at fault in an accident.

Shopping For North Dakota Car Insurance

The key to finding the best policy at the best price is to shop around and compare what is available. Every company offers something slightly different in terms of coverage. Each one will also have different rates and different discounts. For these reasons, shopping around is the only way to find the right insurer-insured fit for you.

Some things that impact rates include:

  • Age of all drivers
  • Driving record
  • Type of car
  • Insurance history
  • Your credit score
  • Where you live
  • What you use your car for
  • The annual mileage you put on your car

Because each of these variables is weighted differently by different companies, your premiums may be significantly different from one company to another. However, remember to compare quotes carefully. If the price seems too good to be true, it probably is.

North Dakota Car Insurance For High Risk Drivers

In regards to North Dakota car insurance, being a high risk driver is no picnic. It means high rates, difficulty obtaining insurance and possibly even limited coverage. Some of the reasons that people may find themselves being categorized as a high risk driver include:

  1. A poor driving record, with multiple tickets and/or accidents
  2. A DUI, or driving under the influence of alcohol and/or drugs, conviction
  3. Having a period of time without auto insurance
  4. Being a new diver
  5. Claims history
  6. Having poor credit

If you are a high risk driver it is even more important for you to shop around carefully and try to find an insurer who will give you a policy at a reasonable price. There are certain companies that specialize in insuring high risk drivers; therefore you should be able to find a fairly reasonably priced North Dakota high risk car insurance policy.

If you are being refused coverage, you do have another option. North Dakota has an assigned-risk automobile insurance plan for high risk drivers that you may qualify for. As long as you live in the state, have a state driver’s license, your car is registered in ND and you have no outstanding car insurance premiums you can get coverage through the North Dakota Automobile Insurance Plan. However, the premiums are very high, making it more crucial for you to check the alternatives before opting to go this route.

North Dakota Car Insurance Companies

As with many states throughout the country there are many auto insurance companies offering ND car insurance. Below is a partial listing of some of the ones you may come across as you look for a policy.

  1. State Farm
  2. Progressive
  3. Farmers
  4. Amco
  5. USAA
  6. American Family
  7. Nodak Mutual
  8. Auto Club
  9. GEICO
  10. Esurance

North Dakota Car Insurance Quotes

Now that you are armed with essential knowledge of the North Dakota car insurance market, you are ready to begin your search for the best possible policy. The place to start is with a free online North Dakota car insurance quote tool like the one above.

Simply input your zip code and answer a few questions and in no time you’ll be on your way to a great North Dakota car insurance policy!

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