Cheap Car Insurance in North Dakota
If you are a North Dakota driver, carrying auto insurance is the law. Finding a good car insurance deal can be tough, but it’s a lot easier when you compare rates from multiple carriers. Requesting auto insurance quotes online is a great way to shop.
To find cheap car insurance in North Dakota, you will need to consider a few things. First, you will need to know the minimum insurance coverage you require based on your situation. If you are a typical driver, and you use your vehicle for private purposes, you are required to carry minimum liability automobile insurance.
North Dakota Auto Insurance Minimum Limits
Minimum liability automobile insurance in the state of North Dakota provides up to $25,000 per person and up to $50,000 per accident for bodily injury, and up to $25,000 per accident for damage to property. The insurance also provides uninsured motorist coverage and under-insured motorist coverage of up to $25,000 per person and $50,000 per accident.
Additionally, North Dakota is one of several states that requires no-fault Personal Injury Protection coverage of $30,000 per person. Also, if you use your commercial vehicle to haul for hire, you may be required to provide insurance coverage ranging from $750,000 up to $5,000,000, depending on the type of cargo.
If you drive a commercial vehicle for your business, you are not required to carry uninsured or under-insured motorist coverage.
Other Coverage Types
Now that you know the minimum requirements for auto insurance coverage in the state of North Dakota, you may be wondering about additional coverage options available to you.
In addition to the minimum liability insurance, you can carry collision coverage, comprehensive coverage, towing, death and dismemberment, and Gap coverage. Collision coverage protects against damage to your automobile that results from a collision. Comprehensive coverage covers any damage to your automobile by theft, animals, fire, vandalism, fallings objects, weather, and natural causes.
Gap coverage provides payments for your loans for the difference between the value of your car and the amount you still owe if your automobile is stolen or totaled. If your vehicle is financed, your lender may require you to carry comprehensive, collision, and gap coverage.
What Affects North Dakota Insurance Rates
The cost of minimum liability automobile insurance and additional insurance coverage is based on several factors. These factors include your location, your driving history, your age, your sex, and your car.
Your rates will probably be lower if you have an above average driving record, you are over twenty-five year of age, and have a more affordable car.
North Dakota Auto Insurance Quotes
When you’re looking for cheap car insurance in North Dakota, make sure you enter your zip code online to get free quotes from leading insurers in the Peace Garden State. You’ll quickly and easily be able to compare rates and find great deals!