Car insurance in North Dakota isn’t just a legal requirement—it provides essential protection for your finances and peace of mind. The state’s driving conditions and environment pose distinct risks, including: 

• Winter Driving Hazards: Icy roads, snowdrifts, and reduced visibility significantly increase the likelihood of accidents during the lengthy winters. 
• Rural Traffic Risks: With much of North Dakota’s road network in rural areas, collisions with farm equipment are more common. 
• Wildlife Encounters: High populations of wildlife, especially deer, lead to frequent animal-related accidents. 
• Oilfield and Heavy Truck Traffic: Thriving energy industries, such as those in the Bakken oil fields, result in increased risks from heavy truck traffic. 

North Dakota operates as a “no-fault” state, meaning your auto insurance pays for medical expenses and lost wages regardless of who caused the accident. To meet state law, drivers must carry the following minimum coverage: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of $25,000 per accident. 
• Basic Personal Injury Protection (PIP): $30,000 minimum per person for medical expenses and lost wages because of an accident. 
  • Drivers do have the option of selecting Additional PIP, which provides an additional $80,000 in coverage. 
• Uninsured/Underinsured Motorist (UM/UIM) Bodily Injury Coverage: Coverage for your injuries if the other party doesn't have sufficient insurance, with limits of $25,000 per person and $50,000 per accident. 

It’s important to note that fault still needs to be determined for accidents. If you’re at fault, basic liability insurance only covers the other party, unless the other party is uninsured. 

Basic insurance often only covers damages to others in an accident. To protect your own vehicle and finances, consider these commonly added coverage options: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 

Some drivers may find themselves in more unique situations, such as pay-per-mile coverage for those who don’t drive often, or those with highly customized vehicles. 

Goosehead specializes in creating custom policies for our clients, so bring up all situations and we can work with you to get you the policy that fits your needs. 

Coverage selections aren't the only thing that influence your premium. The cost of car insurance in North Dakota also depends on several factors, including: 

• Driving Record: Safe drivers with clean records generally enjoy lower premiums. 
• Vehicle Make and Model: Luxury or newer cars are more expensive to insure. 
• Location: Rates vary between urban areas like Fargo or Bismarck and more rural regions. 
• Mileage and Usage: Higher mileage increases exposure to risk and may lead to higher premiums. 
• Driver Age and Experience: Young or inexperienced drivers often pay more for coverage. 

Annual costs for minimum coverage average to about $400, while policies with more coverage usually cost North Dakota drivers, on average, around $2,000.  

At Goosehead Insurance, we help North Dakota drivers save money on insurance without compromising their coverage. Use these tips to lower your premiums: 

• Bundle Policies: Combine auto insurance with homeowners, renters, or other policies for discounts. 
• Maintain a Safe Driving Record: Avoid accidents and traffic violations to keep premiums low. 
• Ask About Discounts: Many providers offer savings for safe drivers, certain professions, or vehicles with advanced safety features. 
• Increase Your Deductible: Opting for a higher deductible reduces premiums, though this increases out-of-pocket costs in a claim. 

Goosehead Insurance makes finding the right car insurance simple and hassle-free. Here’s why North Dakota drivers trust us: 

• Access to Top Carriers: We partner with highly-rated insurers to offer competitive quotes tailored to your needs. 
• Custom Policies: Our experienced agents design coverage based on your risks, budget, and preferences. 
• Local Expertise: We understand the realities of driving in North Dakota, from winter hazards to rural road conditions. 
• Unparalleled Support: Whether setting up a policy or filing a claim, we provide personalized assistance through every step.