North Dakota Insurance Agencies by County

How to Lower Your Car Insurance in North Dakota (And How Insurance Companies Score You)

Looking to reduce your car insurance costs in North Dakota? Whether you’re driving in Fargo or Bismarck, commuting across rural highways, or navigating icy winter roads, understanding how insurers price policies can help you save.

How Car Insurance Companies in North Dakota Score You

Driving record – Accidents, tickets, DUIs, and claims history affect premiums.
Credit-based insurance score – North Dakota allows credit history in insurance pricing.
Location – Rates vary by county based on traffic density and claim frequency.
Vehicle type – Repair costs, safety ratings, and theft risk matter.
Annual mileage – Lower mileage can reduce exposure and rates.
Coverage selections – Higher limits increase premiums; higher deductibles may lower them.

10 Ways to Lower Your Car Insurance in North Dakota

Compare quotes from multiple insurers.
Bundle auto with home or renters insurance.
Maintain good credit.
Increase deductibles if financially feasible.
Ask about telematics or usage-based programs.
Confirm all available discounts.
Consider liability-only coverage for older vehicles.
Choose vehicles with good safety ratings and lower repair costs.
Avoid coverage lapses.
Re-shop policies every 6–12 months.

North Dakota Minimum Auto Insurance Requirements

North Dakota generally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for added protection.

Winter Weather, Deer Collisions, and Comprehensive Coverage

North Dakota drivers often face snow, ice, extreme cold, and wildlife collisions. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, hail, falling objects, and animal impacts.

Use the county selector above to explore local insurance agencies and compare coverage options near you.