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The Great State of North Dakota

Compare Quotes to Get the Cheapest Car Insurance Rates in North Dakota

A little snow doesn’t slow North Dakota down. Armed with a shovel, snow tires and determination, North Dakotans still get where they need to go in winter. But knowing how to handle yourself in winter weather is a different skill than knowing how to handle your car insurance.

We’ve got all the information here for North Dakota drivers. For instance, did you know that North Dakota is one of the most affordable states in the US when it comes to car insurance? Whether it’s questions about your coverage or car, we’ve got you covered.

Compare Car Insurance Quotes in North Dakota

Buying car insurance in North Dakota should be easy. Unfortunately, it can be the opposite when you shop for it on your own.

Instead of spending hours researching insurers by yourself, let QuoteWizard lend a helping hand. We’ll connect you to the top car insurance companies in the country so you can compare rates. In the end, you’ll not only save time, but also money.

Last year, 5,376 people used QuoteWizard to compare auto insurance quotes in North Dakota from top companies and find the cheapest rates.

Top 10 Vehicles in North Dakota

These are the 10 most common vehicles owned by North Dakota drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Chevrolet Blazer
  4. Dodge RAM
  5. Ford Taurus
  6. Ford Explorer
  7. Chevrolet Impala
  8. Pontiac Grand AM SE
  9. Jeep Grand Cherokee Laredo
  10. GMC Sierra
  11. Buick LaSabre
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Top 10 North Dakota Car Insurance Companies

Last year, these were the 10 most common car insurance companies reported by QuoteWizard users living in the state of North Dakota. Out of the 5,376 North Dakota drivers that used QuoteWizard to request insurance quotes last year, 633 had no car insurance.

  1. Progressive Casualty
  2. Geico
  3. Farmers
  4. Allstate Insurance
  5. Country Financial
  6. 21st Century Insurance
  7. Esurance
  8. AIG
  9. Liberty Mutual
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North Dakota State Auto Insurance Laws

Car Insurance Minimum Coverage

Legally, all North Dakota drivers are required to maintain a minimum amount of coverage for each vehicle registered under their name. Different carriers have different rates as well as additional coverage options, but all policies must follow the 25/50/25 rule.

That means that all car insurance policies in North Dakota must contain the following:

  • $25,000 of bodily injury or death of an individual in any single accident
  • $50,000 of bodily injury or death of all individuals in any single accident
  • $25,000 of injury to or destruction of property of others in any single accident

North Dakota is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage is meant to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Personal Injury Protection (PIP) coverage is intended to pay for your medical expenses after an accident, regardless of who was at fault. The minimum amount of (PIP) coverage required by the state of North Dakota is $30,000.

Remember you can purchase more inclusive plans that cover more, but if you want the bare minimum required to keep you legal on the road, make sure your policy has the above coverage. And, if you’ve financed your car through a lender, they’ll typically require that you purchase collision and comprehensive coverage to protect their investment.

Required Proof of Car Insurance

Be sure to have proof of your insurance policy on hand at all times while driving. All North Dakota drivers are required by law to be able to provide proof of insurance, whether on paper or electronically, at any request by an officer of the law.

The following information should be included.

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver

Failure to provide the above information upon request will result in being issued a citation and further action may be taken.

Penalties

It’s in your best interest to always have valid proof of insurance on you at all times while driving in North Dakota. If you fail to provide satisfactory proof of insurance, even if you are actually insured, you are issued a ticket that gives you up to 20 days to provide that documentation.

For drivers that don’t have insurance, it is classified as a class B misdemeanor and will result in a court appearance. If it was issued at a traffic stop, you are given a warning, and if you receive two warnings in an 18-month window then your license is suspended until a $50 reinstatement fee is paid. Your license will also be marked which will cost an additional $50, and it will take another $50 to remove the mark from your license.

If you are involved in a crash while uninsured your license will be suspended and requires the above payments to reinstate your license. More importantly you will be required to carry a certificate of insurance for 3 years as well as file an SR-22 for 1 year after the incident.

Finally, if you are caught without insurance in the case of a criminal act (like a DUI), it will result in a fine up to $1,000 as well as potential imprisonment up to 30 days, depending on the circumstances.

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SR-22 Requirements

North Dakota drivers who have had their licenses revoked for driving under the influence or driving without insurance will be required to file an SR-22 to provide proof of financial responsibility. You request the SR-22 through a state-authorized insurance agency, and are required to carry it on your record for 12 months.

There is an alternative for North Dakota drivers not wishing to file an SR-22, as well. Any motorist can deposit $25,000 in cash or securities to the State Treasurer in place of an SR-22, and can file a surety bond or real estate bond approved by a court of record.

State of North Dakota Traffic Safety Laws

Distracted Driving Laws

With more accidents than ever being caused by drivers using their phone while behind the wheel, the state of North Dakota has enacted a number of laws to help prevent these types of accidents. While operating a motor vehicle, all drivers are banned from any type of texting while on the road. Any driver under the age of 18 also must refrain from talking or making calls on a phone or handheld device as well.

Implied Consent Law

North Dakota’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving while under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties as well as those for a DUI:

  • First Offense: 1-year driver's license revocation
  • Second Offense: 3-year driver's license revocation if you refused the test within the previous 5 years
  • Third Offense: 4-year driver's license revocation if you refused the test twice within the previous 5 years

DUI Law and Penalties

If you drive or operate a motor vehicle in North Dakota with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Class B misdemeanor
  • $500 fine if BAC was below .16%
  • Two-day imprisonment and $750 fine if .16% or greater
  • Addiction evaluation
  • 91-day suspension if BAC was below .18%
  • 180-day suspension if BAC was .18% or greater

The penalties for a second offense DUI conviction are more severe:

  • Class B misdemeanor
  • Ten-day imprisonment and $1,500 fine
  • Addiction evaluation
  • One year in the 24/7 program
  • 365-day suspension if BAC was below .18%
  • Two-year suspension if BAC was .18% or greater

After a third DUI conviction the penalties increase to:

  • Class A misdemeanor
  • 120-day imprisonment and $2,000 fine
  • Addiction evaluation
  • One year supervised probation
  • One year in the 24/7 program
  • Two-year suspension if BAC was below .18%
  • Three-year suspension if BAC was .18% or greater

After a fourth DUI conviction the penalties are raised to:

  • Class C felony
  • One year and one-day imprisonment and $2,000 fine
  • Addiction evaluation
  • Two years supervised probation
  • Two years in the 24/7 program

A first offense DUI with a minor in the vehicle is punishable by up to one year in jail and/or a $2,000 fine. If you have a previous conviction for this violation, it's a Class C Felony.

Child Car Safety Law

In order to protect children in vehicles, a number of laws and regulations are in place to ensure the security of young passengers. Any child under the age of seven is required to ride in an approved child safety seat, unless they weigh more than 80 pounds or measure more than 4'9" in height. Children above this height or weight may use seat belts. All passengers between the ages of 7 - 17 are required to be properly secured with a seatbelt at all times, and the penalty for this violation is $25 and 1 point against the license of the driver.

Graduated Driver’s License Program

Starting at the age of 14, after passing a written and vision test, North Dakotans can apply for an instruction permit. They must hold that permit for 6 months and log 50 hours of driving in a variety of conditions, while supervised by a licensed driver. If a driver over the age of 16 is applying for a permit, they only have to hold the permit for 6 months or until they turn 18, and require no supervised driving.

Once a driver turns 15, completes 12 months of driving with a learner’s permit and a driver's education course, they can apply for a restricted license. This allows them to drive only a vehicle owned by a parent, legal guardian, or other immediate family members (grandparents, aunts, uncles included). The teen must be accompanied by an adult age 18 or older when driving between the sunset or 9 p.m. (whichever is latest) and 5 a.m.

Once a driver turns 16, completes all of these requirements and passes the final driving exam, full driving privileges are granted.

Senior Drivers in North Dakota

For drivers in North Dakota, the standard renewal cycle is every 6 years, but any driver over the age of 78 must renew their license every 4 years.

Seat Belt Laws

As previously mentioned, any passenger under the age of 18 is required to be properly restrained by a seat belt or child safety seat depending on their age. Additionally, any vehicle occupant in a front seat, regardless of age, is required to wear a seat belt as well. Failure to comply with this law will result in a $20 fine.

Vehicles Registered in Another State

Until your car is registered in the state of North Dakota, you must carry the required minimum levels of insurance designated by your state of origin.

The Cost of Driving in North Dakota

Average North Dakota Car Insurance Rates

When it comes to car insurance, North Dakota drivers are in luck. North Dakota is ranked 47th for car insurance rates with the average cost of coverage coming in at $604.58 in 2013, that handily beats the national average of $841.23.

Fuel Taxes

Every US driver is subject to both federal and state gas taxes. In North Dakota, unleaded fuel is taxed by the state at 23 cents per gallon, as well as the federal gas tax of 18.4 cents per gallon. That’s a total of 41.4 cents per gallon added to your tank. Diesel drivers aren’t immune either, there is the same 23 cents per gallon tax but the federal tax increases to 24.4 cents per gallon. This means drivers of diesel vehicles pay 47.4 cents per gallon in total taxes.

Car Insurance Risk in North Dakota

Traffic Fatalities

In 2014, North Dakota recorded 135 vehicle related deaths, a 8.7% decrease from the 148 in 2013.

Vehicle Thefts

In North Dakota, over 1,000 cars are stolen each year, with 1,514 thefts recorded in North Dakota 2014.

However, the national average rate of car theft is 216 thefts per 100,000 people. North Dakota's vehicle theft rate is only 204.7 thefts per 100,000 people, slightly below the national average.

Top 10 Most Stolen Vehicles in North Dakota

Below is a list of the most frequently stolen cars in the state.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1999 Chevrolet Pickup (Full Size)
  2. 1997 Ford Pickup (Full Size)
  3. 2005 Dodge Pickup (Full Size)
  4. 1999 GMC Pickup (Full Size)
  5. 1998 Chevrolet Pickup (Small Size)
  6. 2006 Chevrolet Impala
  7. 1998 Jeep Cherokee/Grand Cherokee
  8. 2000 Buick Lesabre
  9. 1998 Ford Taurus
  10. 2001 Pontiac Grand Prix

Uninsured Motorists

The percentage of North Dakota residents estimated to be driving without insurance is 5.9%. That ranks North Dakota as 47th among US states and the District of Columbia. Only Maine, Massachusetts, New York, and Utah have a lower percentage of uninsured drivers.

North Dakota Auto Insurance Company Market Share

Source: North Dakota Department of Insurance
Rank Market Share Company
1 10% Progressive Northwestern
2 8.8% National Farmers Union
3 8.6% American Family Mutual
4 7.8% Nodak Mutual
5 5.3% Progressive Direct
6 4.2% Center Mutual
7 2.7% Mid Century Insurance
8 2.4% Allstate
9 2.3% Owners Insurance

North Dakota Office of the Insurance Commissioner

Website:
http://www.nd.gov/ndins/
Insurance Commissioner:
Adam Hamm
Insurance Hotline:
(800) 247-0560
File a Complaint:
Complaint Page

Sources:

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