{"id":37965,"date":"2022-07-25T11:17:55","date_gmt":"2022-07-25T18:17:55","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=37965"},"modified":"2023-09-22T05:22:50","modified_gmt":"2023-09-22T12:22:50","slug":"north-dakota-car-insurance","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/north-dakota-car-insurance\/","title":{"rendered":"Cheap Car Insurance in North Dakota"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_62c35dae13a67\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>North Dakota offers some of the most breathtaking sights in the country. From lush woodland settings to <span style=\"white-space: nowrap;\">never-ending<\/span> roads, it is home to popular places such as the <span style=\"white-space: nowrap;\">32-mile<\/span> Enchanted Highway with rich, giant sculptures, the Theodore Roosevelt National Park, the Scandinavia Heritage Association, and historic Medora with its Old West roots and Cowboy Hall of Fame. Do not forget the Fort Totten Sioux Indian Reservation, one of the country&#8217;s most prominent <span style=\"white-space: nowrap;\">19th-century<\/span> military forts.<\/p>\n<p>Keep reading to learn about <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> in North Dakota, including average rates paid in its largest cities, average costs for state minimums and full coverage, and ways <span style=\"white-space: nowrap;\">low-income<\/span> drivers can save on their next auto insurance bill.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Dakota means &#8220;friend&#8221; in the Sioux language.<\/li>\n<li>North Dakota is the <span style=\"white-space: nowrap;\">least-visited<\/span> state in the country.<\/li>\n<li>The most dangerous road in North Dakota is the mostly <span style=\"white-space: nowrap;\">two-lane<\/span> U.S. Highway 85, a north-south artery dubbed \u201cOil Patch Highway.\u201d Accidents and fatalities are common on this road that is heavily traveled by oil and gas equipment trucks.<\/li>\n<li>In 2021, there were 85 fatal crashes in North Dakota, with 101 people killed.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_62c35a5c13a5a\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Is Car Insurance in North Dakota?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>The average monthly cost of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage car insurance<\/a> in North Dakota is $1,264 per year, an outstanding deal compared to the national average of $1,674. The <a href=\"https:\/\/www.freeway.com\/auto-insurance\/states\/\"><span style=\"white-space: nowrap;\">state-required<\/span> minimum liability auto insurance<\/a> is similarly cheap at $285 per year, compared to the national average of $565.<\/p>\n<p>Insurers use many factors to calculate premiums, including your age, gender, driving record, and other assorted items, such as car insurance discounts. Rates also vary between cities and rural areas. Since rural areas tend to see fewer auto insurance claims from wrecks and crime, rates there are often the cheapest car insurance in North Dakota.<\/p>\n<h3 style=\"text-align: left;\">What Is the Average Premium in North Dakota for Cheap Full Coverage Car Insurance?<\/h3>\n<p>The average annual full coverage car insurance cost in North Dakota is $105 per month.<\/p>\n<p>This insurance consists of liability, plus <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/comprehensive\/\">comprehensive car insurance<\/a> and <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/collision\/\">collision auto insurance<\/a>.<\/p>\n<p>We highly recommend seeking collision and comprehensive insurance, which offers added protection against <span style=\"white-space: nowrap;\">vehicle-to-vehicle<\/span> collisions and damage due to a <span style=\"white-space: nowrap;\">non-accident<\/span> incident, respectively.<\/p>\n<p>Outside of collision and comprehensive insurance, you may also decide to go for other <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/\">types of car insurance<\/a> that offer more protection, including <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/gap\/\">guaranteed asset protection (GAP) insurance<\/a> (good if your newer vehicle gets stolen), <a href=\"https:\/\/www.freeway.com\/insurance-options\/roadside-assistance\/\">roadside assistance<\/a>, and other <a href=\"https:\/\/www.freeway.com\/auto-insurance\/optional-coverage\/\">optional car insurance<\/a> coverages that offer greater peace of mind.<\/p>\n<h3 style=\"text-align: left;\">How Much Is It for Cheap Liability Insurance or the Minimum Required Car Insurance in North Dakota?<\/h3>\n<p>The cost for the minimum required car insurance in North Dakota is a paltry $24 per month, which pays for a minimum of $25,000 per person (<a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">bodily injury\/death liability insurance<\/a>), a minimum of $25,000 per accident (bodily injury\/death liability insurance), and $25,000 in <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\">property damage liability insurance<\/a>.<\/p>\n<p>Note: The minimum required <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/liability\/\">liability car insurance<\/a> rates vary between people and cities. Cities with a larger population typically pay higher premiums than sparsely populated cities. Another key factor in determining auto insurance premiums is age, with <a href=\"https:\/\/www.freeway.com\/knowledge-center\/uncategorized\/7-tips-for-getting-the-cheapest-car-insurance-for-young-drivers\/\">younger drivers<\/a> paying more on average than older drivers due to a higher risk profile.<\/p>\n<h3 style=\"text-align: left;\">How Do Rates Compare Across Major Cities in North Dakota?<\/h3>\n<p>Different cities in North Dakota pay different rates. Each city offers a risk profile to the insurer, more or less depending on the number of claims, moving violations, and demographic composition of the area.<\/p>\n<p>Check out the table below to see what drivers in five North Dakota cities pay in a monthly average of car insurance.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Full Coverage Insurance<\/th>\n                                                                                            <th>Liability Insurance Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>West Fargo<\/td>\n                                                                                            <td>$113<\/td>\n                                                                                            <td>$39<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Grand Forks<\/td>\n                                                                                            <td>$114<\/td>\n                                                                                            <td>$39<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Fargo<\/td>\n                                                                                            <td>$113<\/td>\n                                                                                            <td>$39<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Minot<\/td>\n                                                                                            <td>$132<\/td>\n                                                                                            <td>$39<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Bismarck<\/td>\n                                                                                            <td>$127<\/td>\n                                                                                            <td>$38<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p><em>Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/em><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n\n<section id=\"list-icons-block_62c35b4713a5d\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Are There Good Driver Discounts in North Dakota?<\/h3>\n<p>North Dakota drivers can take advantage of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/good-driver-discounts\/\">good driver discounts<\/a>, saving hundreds of dollars a year.<\/p>\n<p>All car insurers designate accounts in good standing as <span style=\"white-space: nowrap;\">claims-free<\/span>, traffic violation, and <span style=\"white-space: nowrap;\">infraction-free<\/span> for the past three to five years. But, of course, the number of years depends on the insurer, as each operates proprietary risk management systems that classify risk for every insured person.<\/p>\n<p>With most insurance companies, drivers can expect to be rewarded with <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">car insurance discounts<\/a>, such as:<\/p>\n                <\/div>\n            \n                            <div class=\"c-quick-facts\">\n                    <div class=\"c-quick-facts__list\">\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Installing safety features, such as <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\"><span style=\"white-space:nowrap;\">anti-theft<\/span> devices<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Taking a <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-safety\/reasons-take-defensive-driving-course\/\">defensive driver course<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/06\/icon-money-person.svg\" alt=\"Illustration of a smiling person\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Being a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">loyal customer<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/11\/Icons_policy.svg\" alt=\"Blue icon of a document with a checklist\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">Bundling<\/a> your <a href=\"https:\/\/www.freeway.com\/insurance-options\/homeowners-insurance\/\">homeowners insurance<\/a> with your auto insurance<\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Having a former or current <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">military career<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Maintaining a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/college-student-drivers\/\">good grade point average<\/a> as a student<\/p>\n                            <\/div>\n                        <\/div>\n                                            <\/div>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p>Driving older and make model vehicles are also a good bet to save a little every month since they are generally cheaper to repair than newer models.<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_62c35c9e13a64\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">North Dakota Car Insurance Laws<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>North Dakota is a large state by area, but a small state by population. Even though North Dakota is in place 47 for population out of 50, all drivers must carry an active car insurance policy to drive legally.<\/p>\n<h3 style=\"text-align: left;\">What Are the Mandatory Car Insurance Requirements in North Dakota?<\/h3>\n<p>North Dakota is a no-fault state. What that means for its drivers is more <span style=\"white-space: nowrap;\">legally-required<\/span> car insurance protection than most <span style=\"white-space: nowrap;\">at-fault<\/span> states. Here are North Dakota&#8217;s state minimum requirements:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$25,000 for bodily injury liability per person<\/li>\n<li>$50,000 for bodily injury liability per accident<\/li>\n<li>$25,000 for property damage per accident<\/li>\n<li>$25,000\/$50,000 for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/uninsured-motorist\/\">uninsured motorist coverage<\/a> per person\/accident<\/li>\n<li>$30,000 for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\">Personal Injury Protection (PIP)<\/a><\/li>\n<\/ul>\n<p>Drivers in no-fault states turn to their own insurance company for repairs and medical costs, regardless of who caused the accident.<\/p>\n<h3 style=\"text-align: left;\">What Is the Penalty for Driving Without Insurance in North Dakota?<\/h3>\n<p>Driving without insurance in North Dakota is considered a class B misdemeanor, punishable by fines up to $5000, suspended driver&#8217;s license \/registration, and the possibility of jail time. You will also need to apply for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\"><span style=\"white-space: nowrap;\">SR-22<\/span> Insurance<\/a>, which guarantees you meet the states&#8217; minimum liability requirements. As a result, expect your premiums to increase sharply and maintain the level for the next three years.<\/p>\n<h3 style=\"text-align: left;\">What Factors Does North Dakota Law Allow in Determining Your Premiums?<\/h3>\n<p>Many factors are considered by North Dakota car insurance companies when evaluating the cost of insurance. Some of these factors include but are not limited to the following:<\/p>\n<ul>\n<li>Age<\/li>\n<li>Gender<\/li>\n<li>Driving record<\/li>\n<li>Zip code<\/li>\n<li>Make\/model of vehicle<\/li>\n<li>Claims history<\/li>\n<\/ul>\n<p>Every driver is different. Your car insurance premium will be determined by factors unique to you. If you are looking for the <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheapest car insurance<\/a> in North Dakota, keep a clean driving record and ask for discounts.<\/p>\n<h3 style=\"text-align: left;\">Am I Required to Report an Accident in North Dakota to Authorities?<\/h3>\n<p>Under the guidance of <a href=\"https:\/\/ndlegis.gov\/cencode\/t39c08.pdf\" target=\"_blank\" rel=\"noopener\">North Dakota Vehicle Code \u00a7 \u00a7 39-08-09<\/a>, all North Dakota drivers must report an accident that results in an injury, death, or total property damage of $1,000 or more. Your accident record must include a description of the crash, name, insurance information, names of witnesses, and photo\/video evidence.<\/p>\n<p>Do not hesitate to file a police report shortly after a car accident.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_62c35d2b13a65\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">What Is Driving Like in North Dakota?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Car Accidents Happen in North Dakota?<\/h3>\n<p>According to the North Dakota Department of Transportation 2020 stats, there were 8,844 total traffic crashes in North Dakota with 100 fatalities. In 2019, there were 14,221 traffic crashes in the state, resulting in 4,258 injuries and 100 fatalities.<\/p>\n<p>For even more perspective on North Dakota traffic activity, every 37 minutes saw one motor vehicle crash, every two hours saw one person injured in a crash, and every four days saw one death in a crash.<\/p>\n<p>Over the last ten years, the most fatalities occurred in 2012. Over the past decade, the state had had a fatality rate per 100 million vehicle miles higher than the national average.<\/p>\n<p>See our breakdown below for the percentage of motor vehicle crashes in the top five North Dakota counties (2019):<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>County<\/th>\n                                                                                            <th>Car Crashes in 2019<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Cass<\/td>\n                                                                                            <td>3,749<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Burleigh<\/td>\n                                                                                            <td>2,624<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Grand Forks<\/td>\n                                                                                            <td>1,393<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>McKensie<\/td>\n                                                                                            <td>520<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Morton<\/td>\n                                                                                            <td>661<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--top-0-spacing c-section--bottom-0-spacing \" id=\"default-block_62c35a1213a58\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>For a comprehensive North Dakota crash summary, including details on the North Dakota Vision Zero Plan, <a href=\"https:\/\/visionzero.nd.gov\/uploads\/71\/NDDOT_2019_Crash_Summary_hires_nobleed.pdf\" target=\"_blank\" rel=\"noopener\">visit here<\/a><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_62c35f8213a68\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Many Uninsured\/Underinsured Motorists Are in North Dakota?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>According to the Insurance Information Institute (2019), 13 percent of North Dakota drivers are uninsured. This stat places it in 21st place in the country, with the lowest percentage state being New Jersey (3.1 percent) and the highest percentage state being Mississippi (29.4%).<\/p>\n<p>With no official states on the exact number, this estimate is calculated based on the ratio between uninsured motorist claims to bodily injury claims made in the state.<\/p>\n<p>For more information on the estimated percentage of uninsured motorists by state, along with a list of all coverage limits by state, visit <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noopener\">Insurance Information Institute: Facts + Statistics: Uninsured motorists<\/a>.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n        <section class=\"c-section  \" id=\"list-block_62c3606913a69\">\n            <div class=\"o-wrapper \">\n                                    <h2 class=\"c-section__title\"  style=\"text-align:left\" >\n                        FAQs About North Dakota Car Insurance                    <\/h2>\n                    \n                                <div class=\"c-section__content\">\n                    <div class=\"c-faqs-page\">\n                                                    <div class=\"c-faqs-page-accordion\">\n                                                                                <div class=\"c-faqs-page-accordion__item\">\n                                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                                                        <div class=\"c-faqs-page-accordion__title\" aria-expanded=\"true\">\n                                                            <span class=\"o-icon c-faqs-page-accordion__icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-questions\"><\/use><\/svg><\/span>\n                                                             <h4>I Am a <span>Low-Income<\/span> Driver. What Can I Do About Getting the Cheapest Car Insurance in North Dakota?<\/h4>\n                                                        <\/div>\n                                                        <div class=\"c-faqs-page-accordion__content\">\n                                                            <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                                                <div itemprop=\"text\">\n                                                                    <p>There are many ways <span>low-income<\/span> North Dakota drivers can save on car insurance.<\/p>\n<p>For starters, consider the level of coverage you receive. Obtaining a policy with the state minimum required coverage will cost you much less than full coverage. This number varies depending on your driving record and other factors.<\/p>\n<p>Other ways to lower car insurance costs include removing miscellaneous coverage options, for example, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/rental-car-reimbursement\/\">rental car reimbursement<\/a> and modifying your policy to bundle auto and homeowners insurance. Drivers with accounts in good standing for the past three to five years can also expect rates to drop over time.<\/p>\n<p>Do not hesitate to call your insurance company to request discounts, especially as your life circumstances change.<\/p>\n                                                                <\/div>\n                                                            <\/div>                                                        \n                                                        <\/div>\n                                                    <\/div>\n                                                <\/div>\n                                                                                                <div class=\"c-faqs-page-accordion__item\">\n                                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                                                        <div class=\"c-faqs-page-accordion__title\" aria-expanded=\"true\">\n                                                            <span class=\"o-icon c-faqs-page-accordion__icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-questions\"><\/use><\/svg><\/span>\n                                                             <h4>Can an Undocumented Worker Get Affordable Car Insurance in North Dakota?<\/h4>\n                                                        <\/div>\n                                                        <div class=\"c-faqs-page-accordion__content\">\n                                                            <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                                                <div itemprop=\"text\">\n                                                                    <p>North Dakota does not allow undocumented workers to apply for driver&#8217;s licenses or insurance policies.<\/p>\n<p>For more information on legislative efforts by state, including a helpful <span>color-coded<\/span> country map indicating which states allow and do not allow undocumented workers to obtain driver&#8217;s licenses, visit <a href=\"https:\/\/www.ncsl.org\/research\/immigration\/states-offering-driver-s-licenses-to-immigrants.aspx\" target=\"_blank\" rel=\"noopener\">States Offering Driver&#8217;s Licenses to Immigrants<\/a>.<\/p>\n                                                                <\/div>\n                                                            <\/div>                                                        \n                                                        <\/div>\n                                                    <\/div>\n                                                <\/div>\n                                                                                                <div class=\"c-faqs-page-accordion__item\">\n                                                    <div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                                                        <div class=\"c-faqs-page-accordion__title\" aria-expanded=\"true\">\n                                                            <span class=\"o-icon c-faqs-page-accordion__icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-questions\"><\/use><\/svg><\/span>\n                                                             <h4>Is It Possible to Get Low-Cost Car Insurance in North Dakota With a DUI Mark on my Record?<\/h4>\n                                                        <\/div>\n                                                        <div class=\"c-faqs-page-accordion__content\">\n                                                            <div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                                                <div itemprop=\"text\">\n                                                                    <p>Getting a <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/i-got-a-dui-now-what\/\">DUI<\/a> in North Dakota is not a good idea.<\/p>\n<p><span>First-time<\/span> DUI offenders can expect a $2,000 fine and rising insurance <span>premiums &#8211; as<\/span> much as 89% annually after a DUI conviction, a suspension of your driver&#8217;s license\/registration, and fines based on your BAC levels at the time of your arrest. For example, if your BAC exceeds .16, you can expect a <span>180-day<\/span> suspension and an addiction evaluation.<\/p>\n<p>You may need to shop around for <a href=\"https:\/\/www.freeway.com\/auto-insurance\/dui\/\">DUI car insurance<\/a> as not every insurer handles this type of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/high-risk-drivers\/\"><span>high-risk<\/span> car insurance<\/a>.<\/p>\n<p>Second and third offenses within seven years will increase fines and time served, including more than a year in prison if you accumulate four or more DUIs within 15 years.<\/p>\n                                                                <\/div>\n                                                            <\/div>                                                        \n                                                        <\/div>\n                                                    <\/div>\n                                                <\/div>\n                                                                            <\/div>\n    \n                                                <\/div>\n                <\/div>\n            <\/div>\n        <\/section> \n    \n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_62c3612413a70\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block  \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get an Affordable Car Insurance Quote Online in North Dakota Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/07\/NorthDakota.jpg\" alt=\"Welcome to North Dakota sign at state line\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Freeway Insurance is ready to help you find the right policy with the state minimum required coverage or a full one with collision and comprehensive insurance.<\/p>\n<p>To learn more about your insurance options, do not hesitate to request a fast and free <a href=\"#modal-turbo\">car insurance quote online<\/a>, visit a North Dakota <a href=\"https:\/\/locations.freeway.com\/?search=North+Dakota&amp;latitude=&amp;longitude=&amp;radio=200&amp;time=open-any\" target=\"_blank\" rel=\"noopener\">office<\/a> nearby, or call <a href=\"tel:800-777-5620\"><span style=\"white-space: nowrap;\">800-777-5620<\/span><\/a> to speak with one of our friendly representatives. Reach out to us today!<\/p>\n                <\/div>\n                                            <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  target=\"_self\"  >\n                                                                            Get Started                                        <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <h2 class=\"c-section__title c-regional-page__title\">Auto Insurance Info by City<\/h2>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n            <div class=\"c-regional-page-city\">\n                                                                        <a data-visible=\"visible\" class=\"c-regional-page-city__link \" href=\"https:\/\/www.freeway.com\/auto-insurance\/north-dakota-car-insurance\/bismark-car-insurance\/\">\n                        <picture class=\"c-regional-page-city__img\">\n                            <img decoding=\"async\" class=\" o-crop__content o-crop__content--center\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Bismarck-state.jpg\" alt=\"Steamboat Park along the Missouri River features trails and a replica Steamboat.\">\n                        <\/picture>\n                        <div class=\"c-regional-page-city__title\">\n                            <h3>Bismarck<\/h3>\n                        <\/div>\n                    <\/a>\n                                                                            <a data-visible=\"visible\" class=\"c-regional-page-city__link \" href=\"https:\/\/www.freeway.com\/auto-insurance\/north-dakota-car-insurance\/fargo-car-insurance\/\">\n                        <picture class=\"c-regional-page-city__img\">\n                            <img decoding=\"async\" class=\" o-crop__content o-crop__content--center\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Fargo-2.jpg\" alt=\"Aerial View of Fargo Skyline at Dusk\">\n                        <\/picture>\n                        <div class=\"c-regional-page-city__title\">\n                            <h3>Fargo<\/h3>\n                        <\/div>\n                    <\/a>\n                                                                            <a data-visible=\"visible\" class=\"c-regional-page-city__link \" href=\"https:\/\/www.freeway.com\/auto-insurance\/north-dakota-car-insurance\/grand-forks-car-insurance\/\">\n                        <picture class=\"c-regional-page-city__img\">\n                            <img decoding=\"async\" class=\" o-crop__content o-crop__content--center\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2023\/06\/Grandforksnd-2.jpg\" alt=\"Aerial View of Grand Forks, North Dakota in Autumn\">\n                        <\/picture>\n                        <div class=\"c-regional-page-city__title\">\n                            <h3>Grand Forks<\/h3>\n                        <\/div>\n                    <\/a>\n                                                                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":39725,"menu_order":18,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/37965"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=37965"}],"version-history":[{"count":29,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/37965\/revisions"}],"predecessor-version":[{"id":46164,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/37965\/revisions\/46164"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/39725"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=37965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}