Actual Yearly Savings
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014

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"After being with my insurance company for just shy of 10 years, and after having shopped

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared

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Resources

Cheapest Car Insurance in North Dakota (ND)

North Dakota, America’s 39th state, boasts the meandering Red River, the mysterious Badlands and the expansive Devil’s Lake. With the rolling hills of the Great Plains in the western part of the state and the fertile soil of the Red River Valley in the east, this state plays a major role in the country’s agricultural and energy economies. Rodeos, fairs, pow-wows and buffalo, this state is a blend of Native American and American Western heritage. Drivers have been enjoying the natural beauty of North Dakota for decades, and CheapCarInsurance.net is keeping those drivers on the road. That’s why this article has been provided with all the necessary information every North Dakota driver needs to know without having to scour the countryside for it.

STATS

Car Insurance Quotes for North Dakota

County Sedan Suv Coupe Truck Hybrid
Cass$672.00$557.00$716.00$590.00$664.00

County Sedan Suv Coupe Truck Hybrid
Burleigh$765.00$627.00$814.00$664.00$756.00

County Sedan Suv Coupe Truck Hybrid
Grand Forks$781.00$626.00$749.00$722.00$829.00

County Sedan Suv Coupe Truck Hybrid
Ward$917.00$734.00$960.00$787.00$906.00

County Sedan Suv Coupe Truck Hybrid
Williams$814.00$646.00$761.00$821.00$924.00

County Sedan Suv Coupe Truck Hybrid
Morton$888.00$711.00$851.00$790.00$902.00

County Sedan Suv Coupe Truck Hybrid
Stark$814.00$646.00$761.00$821.00$924.00

County Sedan Suv Coupe Truck Hybrid
Stutsman$795.00$648.00$826.00$689.00$786.00

County Sedan Suv Coupe Truck Hybrid
Richland$721.00$585.00$770.00$622.00$712.00

County Sedan Suv Coupe Truck Hybrid
Rolette$954.00$778.00$1,015.00$824.00$945.00

County Sedan Suv Coupe Truck Hybrid
Adams$970.00$804.00$1,020.00$842.00$962.00
Barnes$688.00$557.00$737.00$594.00$679.00
Benson$973.00$797.00$1,034.00$843.00$964.00
Billings$982.00$824.00$1,032.00$862.00$974.00
Bottineau$954.00$778.00$1,015.00$824.00$945.00
Bowman$1,047.00$881.00$1,044.00$919.00$1,039.00
Burke$1,078.00$884.00$1,044.00$936.00$1,067.00
Burleigh$765.00$627.00$814.00$664.00$756.00
Cass$672.00$557.00$716.00$590.00$664.00
Cavalier$917.00$754.00$972.00$795.00$908.00
Dickey$897.00$706.00$826.00$776.00$889.00
Divide$1,078.00$884.00$1,044.00$936.00$1,067.00
Dunn$1,092.00$897.00$1,044.00$948.00$1,082.00
Eddy$900.00$748.00$949.00$785.00$891.00
Emmons$900.00$748.00$949.00$785.00$891.00
Foster$900.00$748.00$949.00$785.00$891.00
Golden Valley$982.00$824.00$1,032.00$862.00$974.00
Grand Forks$781.00$626.00$749.00$722.00$829.00
Grant$1,080.00$877.00$1,044.00$928.00$1,070.00
Griggs$897.00$706.00$826.00$785.00$891.00
Hettinger$970.00$804.00$1,020.00$842.00$962.00
Kidder$871.00$739.00$826.00$795.00$824.00
Lamoure$897.00$706.00$826.00$814.00$927.00
Logan$897.00$706.00$826.00$814.00$927.00
Mchenry$954.00$778.00$1,015.00$824.00$945.00
Mcintosh$897.00$706.00$826.00$785.00$891.00
Mckenzie$1,092.00$897.00$1,044.00$948.00$1,082.00
Mclean$954.00$801.00$1,003.00$838.00$945.00
Mercer$1,092.00$897.00$1,044.00$948.00$1,082.00
Morton$888.00$711.00$851.00$790.00$902.00
Mountrail$830.00$671.00$807.00$826.00$926.00
Nelson$900.00$748.00$949.00$785.00$891.00
Oliver$1,080.00$877.00$1,044.00$928.00$1,070.00
Pembina$917.00$754.00$972.00$795.00$908.00
Pierce$954.00$778.00$1,015.00$824.00$945.00
Ramsey$917.00$754.00$972.00$795.00$908.00
Ransom$688.00$557.00$737.00$594.00$679.00
Renville$1,059.00$879.00$1,044.00$925.00$1,050.00
Richland$721.00$585.00$770.00$622.00$712.00
Rolette$954.00$778.00$1,015.00$824.00$945.00
Sargent$721.00$585.00$770.00$622.00$712.00
Sheridan$871.00$739.00$826.00$824.00$824.00
Sioux$1,080.00$877.00$1,044.00$928.00$1,070.00
Slope$1,047.00$881.00$1,044.00$919.00$1,039.00
Stark$814.00$646.00$761.00$821.00$924.00
Steele$740.00$604.00$789.00$641.00$731.00
Stutsman$795.00$648.00$826.00$689.00$786.00
Towner$954.00$778.00$1,015.00$824.00$945.00
Traill$838.00$676.00$826.00$722.00$829.00
Walsh$838.00$676.00$899.00$722.00$829.00
Ward$917.00$734.00$960.00$787.00$906.00
Wells$871.00$739.00$826.00$843.00$824.00
Williams$814.00$646.00$761.00$821.00$924.00

CheapCarInsurance.net Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums.

North Dakota hit an all-time low in average car insurance premiums in 2008. NAIC.org reports that both average premiums and average premiums as a percentage remain well under the national averages.

Drunk Driving Fatalities

Both the nation’s and North Dakota’s drunk driving fatality averages saw growth through 2011 and 2012. However, the National Highway Traffic Safety Administration reveals that although the state remains above the national average there was a slight dip in 2014.

Teen Drinking and Driving

North Dakota’s teens drink and drive at a much higher rate than the national average.

Vehicular Theft in North Dakota

North Dakota’s vehicle theft rate has increased each year since 2011, while the national average dropped in 2014.

LAWS & REGULATIONS

Driving and insurance laws are famous for their complicated and ever-changing requirements. This list has reduced the unnecessary information, and what’s left is only the essential elements to keep North Dakota drivers protected and informed.

Minimum Car Insurance Requirements in North Dakota

  • The North Dakota Department of Insurance states that both Liability and Uninsured Motorist Coverage’s are required for every vehicle driven in the state. North Dakota has produced A Consumer’s Guide to Auto Insurance to assist consumers in purchasing auto insurance.
  • Liability Coverage and Uninsured minimums:
    • $30,000 for each person injured or killed in an accident.
    • $60,000 for each accident when multiple individuals are injured or killed.
    • $25,000 to cover damage to property.

Requirements for New Driver Licensing:

  • The North Dakota Driver’s Manual makes it clear that new residents to the state have 60 days to obtain a North Dakota driver license. All drivers who operate a vehicle in North Dakota must be licensed. To help new drivers who are less than 18 years of age obtain driving experience, North Dakota offers an Instruction Permit and a Minor’s Driver License.
  • Instruction Permit. Beginning at age 14, the Instruction Permit allows an applicant to drive while supervised. The applicant must pass both the visual and written tests along with completion of a driver education course. The following applies while this permit is held:
    • The permit must be held for:
      • Ages 14 and 15: 12 months
      • Ages 16 and 17: 6 months or until age 18, whichever comes first
    • An adult age 18 or older who holds a license must be with the driver at all times while driving.
    • Applicants under the age of 16 must complete 50 hours of driving training. (“Behind-the-wheel” driver education hours to do not count toward this total)
  • Minor’s Driver License. This license, also known as a Restricted Class D Operator License, is available to applicants age 15 or older who have satisfied the Instruction Permit requirements and have passed the road skills test. While holding this permit, the following applies:
    • May only operate a close relative’s vehicle. The North Dakota Driver’s Manual lists the applicable relatives as parent, guardian, sibling, grandparent, aunt or uncle.
    • May not drive unsupervised between 9pm and 5am unless regarding a school, work or religious activity
    • Must be supervised by an adult age 18 years or older who holds a license.
    • All cell phone use is prohibited.
    • Upon turning age 16, the applicant’s restrictions are removed and the license becomes a full driver license.
  • Vision Exam. Applicants possessing a visual acuity of 20/40 or better and peripheral vision of 105 degrees will be issued an unrestricted license. Applicants with a visual acuity between 20/50 and 20/60 may be issued a daylight driving restriction. Corrective lenses may be worn, and appropriate restrictions will be applied.
  • Written Test. This exam is based on the North Dakota Driver’s Manual. The North Dakota Motor Vehicle Division provides an online practice exam that can help drivers study for their written test.
  • Driving Test. The road skills test evaluates the applicant’s ability to safely and legally drive a vehicle. The applicant must provide a licensed, insured and registered vehicle that is in proper working order. Each skill tested in this exam is included in the Driver’s Manual.
  • Fees. The following fees apply:
    • Instruction Permit, $15
    • Written test, $5
    • Road test, $5
    • Driver License, $15

DUI/DWI Laws

  • BAC limit: .08 North Dakota Law has implemented several penalties for drunk driving in the state. The MVD website provides a concise outline of North Dakota’s DUI penalties, and those penalties are summarized here:
  • First Offense – Class B Misdemeanor:
    • Fine:
      • BAC below .16: $500
      • BAC .16 or greater: $750
    • License suspension
      • BAC below .18: 91 days
      • BAC .18 or greater: 180 days
    • Jail: maximum 2 days
    • Addiction Evaluation
  • Second Offense in 7 Years – Class B Misdemeanor:
    • Fine: $1,500
    • License suspension:
      • BAC below .18: 1 year
      • BAC .18 or greater: 2 years
    • Jail: 10 days
    • Addiction Evaluation
  • Third Offense in 7 Years – Class A Misdemeanor:
    • Fine: $2,000
    • License suspension:
      • BAC below .18: 2 years
      • BAC .18 or greater: 3 years
    • Jail: 120 days
    • Supervised probation: 1 year
    • 24/7 Program: 1 year
    • Addiction Evaluation
  • Fourth and subsequent DUI convictions are charged as felonies and the penalties are greatly increased.
  • Refusals receive an automatic minimum 180-day and maximum 3-year revocation of driving privileges.
  • North Dakota’s Zero Tolerance Law allows drivers under the age of 21 to be charged with DUI at a BAC level as low as .02.

Texting & Driving Laws

Distraction.gov states that all drivers are banned from texting in North Dakota. Additionally, handheld and hands-free devices are banned from novice drivers.

Unique Laws

North Dakota appears to have kept some laws on its books that may need some updating in the near future. For instance, although it is required to keep all bathtubs in one’s backyard, it is still illegal for horses to sleep in those bathtubs. Residents are prohibited from keeping an elk in their backyard sandboxes, and if a driver gets a little sleepy while traveling through the state, remember that it is illegal to fall asleep with one’s shoes one!

RESOURCES

State Department of Insurance

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
(701) 328-2440
(800) 247-0560
www.nd.gov/ndins
Get Directions

Department of Transportation

North Dakota Department of Transportation
Transportation Building
608 E. Boulevard Ave.
Bismarck, ND 58505-0700
(701) 328-2500
1-855-637-6237 (1-855-NDROADS)
www.dot.nd.gov
Get Directions

Department of Motor Vehicles

North Dakota Department of Transportation
Motor Vehicle Division
Transportation Building
608 E. Boulevard Ave.
Bismarck, ND 58505-0700
(701) 328-2500
www.dot.nd.gov/public/licensing.htm
For a list of office locations and hours, refer to the website or to the MVD’s Motor Vehicle Site Locations form.

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