Car Insurance in North Dakota

Average annual auto insurance rates in North Dakota are around $1,217 annually, which represents a monthly payment of $101, however this amount is significantly affected by many factors. Insurance companies favor older and experienced drivers who drive for a long time without an accident, have a high credit score or higher education. However, the final cost of your policy in North Dakota is also affected by indirect factors, which can move the average rate of $1,217 a year up and down. These influences include population density, the density of the road (motorway) network, the number of traffic accidents in the area, the frequency of theft or vandalism. If we add up all the direct and indirect positive effects, you can get to rates lower than $974. Otherwise, if we take into account the negative factors, car insurance prices for younger drivers can exceed $2,191 per year.

The State of North Dakota has insurance limits for bodily injury liability per accident set at $50,000, which is the average rate across the United States. The minimum bodily injury liability coverage per person in North Dakota is $25,000. This is relatively small and if you can afford it, definitely increase this amount according to your financial possibilities. Remember that the per-person limit applies to each person injured in an accident in North Dakota. If you caused an accident in North Dakota (if you're at fault), your property damage liability insurance coverage can cover up to a total of $25,000 for the other party's vehicle repairs.