North Dakota Car Insurance Guide
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North Dakota
North Dakota Statistic Summary
Road Miles 87,128
Registered Vehicles 851,795
State Population 760,077
Percentage of
Uninsured Motorists
6.80
Driving Deaths Speeding: 419 Drunk Driving: 547
Average Premiums Annually
Liability: $298.18 Collision: $244.09 Comprehensive: $231.04
Cheapest Provider: USAA GIC

North Dakota is a wide-open state of ranches and roadways. Known for its wild animals and open farms, North Dakota is ranked seventeenth out of all the states.

From Lake Sakakawea and Devils Lake to The International Peace Garden, there are so many sites to see in the great state of North Dakota. The roads are wide open with gorgeous sites but with those wide-open roads is the need for insurance. That is why we are here.

Finding insurance is tough. There are so many different companies, not to mention all the coverages available. We are going to make this task more bearable. We have compiled rates from different car insurance companies to help you find the cheapest and best insurance rate for your needs.

Want to go ahead and start with your rates? You can use our free online tool to start comparing today.

North Dakota Car Insurance Coverage and Rates

First up, let’s talk about what it’s like to drive in North Dakota. If you want to drive in North Dakota, you are going to need car insurance.

But how much do you need? What coverages are available? We will keep you up to date with how much you need, what coverages are available, and what demographic factors can affect your rates.

North Dakota’s Car Culture

It is no surprise Ford F150 is the truck of choice in North Dakota. Cars are not conducive to farm life and heavy winters.

North Dakota may be in the top twenty for land size, but she ranks 47 in population. So those wide open roads are also mostly uninhabited by shelter or someone that can help you if needed. With heavy winters and no place to stop in a storm, a larger truck is your best bet to getting home safely.

North Dakota Minimum Coverage

In order to drive on North Dakota roadways, you must at least have the required minimum limits set by the state. The North Dakota Insurance Department has the following information listed on their site:

The coverages and minimum limits mandated by law are:

  • Bodily injury liability – $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident). Bodily injury liability provides coverage for claims brought against you for bodily injury caused to another person through the operation of your vehicle.
  • Property damage liability – $25,000 per accident. Property damage liability provides coverage for claims brought against you for damage caused to someone else’s property through the operation of your vehicle. Also covers damage to a car you rent for personal use on a short-term basis.
  • Uninsured motorist coverage – $25,000 per person/$50,000 per accident. Uninsured motorist provides you coverage for a bodily injury claim you would have against another driver who does not have insurance. This coverage does not pay for physical damage to your vehicle.
  • Underinsured motorist coverage – underinsured motorist coverage must be equal to the uninsured motorist coverage. Underinsured motorist provides you coverage for a bodily injury claim you would have against another driver whose liability coverage is less than your underinsured coverage.
  • Basic no-fault – $30,000 per person. Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury without regard to fault. No-fault is also known as Personal Injury Protection (PIP).

North Dakota is a no-fault state. We will explain this more as we go into state laws, but this means no matter who is at fault your insurance will pay out for certain coverages under your Personal Injury Protection.

Keep in mind, this is the minimum required amount. If you get into an accident and damages are more than your coverage limits, your insurance carrier only pays out your limits and you could be held liable for the remaining amount.

Forms of Financial Responsibility

You have at least the required minimum amount of insurance, but how do you prove it? That is called forms of financial responsibility.

The following can be used for proof of insurance in North Dakota:

  • Valid insurance cards showing liability coverage
  • Copy of insurance policy
  • Electronic proof on your smartphone or electronic device

Failure to carry insurance can lead to some hefty fines and consequences, we will cover those later- so keep reading.

Premiums as a Percentage of Income

You work hard. You want to be able to relax on your downtime and enjoy the scenic views and great sites of your state. But how much of your income is going towards keeping you legal in the road?

North Dakota Disposable Income (2012-2014)   
201220132014
Disposable Income$50,227$49,309$51,311
Full Coverage Auto Insurance (annual cost)$714.75$743.27$768.09
Insurance as Percentage of Income1.42%1.51%1.50%

So how does North Dakota compare to the rest of the country? Pretty good as they are the lowest percentages in the country. Neighboring state, South Dakota, ranks sixth in lowest percentages of income.

Want to get a little more specific? Use our free percentage of income tool below to plug in your information.

CalculatorPro

Core Coverage

The following rates were taken from the National Associations of Insurance Commissioners.  North Dakota rates lower in three out of the four categories than national averages.

Coverage TypeAnnual Costs (2015)
Liability$298.18
Collision$244.09
Comprehensive$231.04
Combined$773.30

Additional Liability Coverage in North Dakota

Loss Ratio is a good indicator of how well a company is doing financially. Loss ratio is the amount of money a company has in premiums to how much they spend in claims. If the percentage is too high, they are not making money and not could be in financial stress.

Loss Ratio201320142015
Medical Payments (MedPay)70.40%63.81%65.87%
Uninsured/Underinsured Motorist Coverage49.57%50.58%58.03%

Medical payment is a coverage used for medical payments only. This is an additional coverage used for anyone in the vehicle regardless of fault.

Additional liability coverages do increase the premium, but if a loss occurs it could be less stress when paying for the claim.

Add-ons, Endorsements, and Riders

While minimum coverage is required, there are many other coverage options available. As we mentioned earlier, the minimum coverage is cheaper in premium but could be a problem if you file a claim.  Sometimes it is not enough to cover the loss and leave you with enough to get you back behind the wheel.

We have compiled a list of affordable coverages you can opt to add to your policy.

As always, you can sit down with an agent and go over your needs to make sure there is no gap in your coverage with your needs.
– Demographic Rates in North Dakota

Most know that having a teen driver is going to drive up your premium. Does being male or female make a difference? What about marital status?

We took some of the largest insurance carriers in North Dakota and compiled their rates for different age groups, marital status, and gender.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate Insurance$2,590.48$2,605.94$2,288.23$2,428.15$9,875.97$11,607.96$2,861.48$3,096.28
American Family Mutual$2,737.18$2,737.18$2,470.01$2,470.01$5,790.24$8,352.79$2,737.18$3,204.61
Mid-Century Ins Co$1,849.52$1,817.12$1,652.82$1,719.45$6,604.22$6,774.20$2,101.08$2,221.48
Geico General$2,140.76$2,124.33$1,843.20$1,864.30$4,118.08$5,176.02$1,932.65$2,146.59
SAFECO Ins Co of America$7,111.32$7,686.04$5,710.32$6,918.97$28,261.47$31,519.57$7,447.31$8,167.61
Allied P&C$1,826.79$1,873.86$1,636.45$1,748.60$4,070.66$5,037.47$2,078.84$2,210.12
Progressive Northwestern$2,097.81$2,000.91$1,698.60$1,760.43$7,671.25$8,577.02$2,574.11$2,604.38
State Farm Mutual Auto$1,653.32$1,653.32$1,456.43$1,456.43$4,560.32$5,771.61$1,846.44$2,086.33
USAA GIC$1,126.55$1,118.67$917.93$920.50$3,888.40$4,696.71$1,622.27$1,763.41

Teen drivers can cost thousands more than an older driver and females tend to pay slightly less than males.

Cheapest Rates by Zip Code and City

Another factor that can determine your rate is where you live and your zip code. We took the same companies from above and rated them for North Dakota zip codes and cities.

CityZipcodeAverage ZipcodeAverage
FORT YATES58001$4,004.1458538$4,477.64
CANNON BALL58002$4,027.3158528$4,474.33
SELFRIDGE58004$3,948.2858568$4,465.05
SHIELDS58005$3,926.0858569$4,462.61
SOLEN58006$3,948.2858570$4,448.27
CARSON58007$3,961.9958529$4,441.63
ELGIN58008$4,018.7958533$4,440.40
MOTT58009$4,086.7958646$4,435.21
REGENT58011$3,974.8458650$4,435.21
GRASSY BUTTE58012$3,838.0058634$4,432.73
ALMONT58013$3,996.8058520$4,426.62
RALEIGH58015$3,984.3758564$4,421.20
SAINT ANTHONY58016$4,099.9858566$4,419.94
NEW TOWN58017$4,004.0258763$4,415.86
REEDER58018$4,007.5758649$4,409.17
PALERMO58021$3,979.3158769$4,407.67
PLAZA58027$3,972.4158771$4,405.45
HETTINGER58029$3,969.2058639$4,402.71
SHERWOOD58030$4,006.2558782$4,400.72
MAKOTI58031$3,983.9258756$4,398.33
KILLDEER58032$4,007.5058640$4,395.24
KENMARE58033$4,015.6458746$4,392.89
FLASHER58035$4,080.2058535$4,392.86
BOWBELLS58036$3,949.6058721$4,392.34
BERTHOLD58038$4,007.6558718$4,390.95
SCRANTON58040$3,994.3058653$4,390.28
NEW LEIPZIG58041$4,004.0558562$4,389.06
ARNEGARD58042$3,905.9958835$4,386.72
WILDROSE58043$3,996.8058795$4,385.63
DONNYBROOK58045$4,122.5058734$4,385.54
MANNING58046$4,124.9958642$4,385.25
CARPIO58047$3,871.5758725$4,383.60
LEFOR58048$3,940.1058641$4,382.85
GOODRICH58049$4,002.7358444$4,380.17
LINTON58051$3,976.0658552$4,380.01
STRASBURG58052$3,981.5758573$4,380.01
ROSS58053$4,002.2058776$4,379.41
BRADDOCK58054$4,014.5858524$4,379.34
FAIRFIELD58056$4,121.8658627$4,378.97
PARSHALL58057$4,012.9258770$4,378.62
MARMARTH58058$4,004.0558643$4,378.35
VOLTAIRE58059$3,882.7158792$4,376.39
COLUMBUS58060$3,997.4558727$4,376.21
FLAXTON58061$4,007.5758737$4,376.21
LIGNITE58062$3,970.6958752$4,376.21
PORTAL58063$3,969.9758772$4,376.21
RUSO58064$3,980.0158778$4,376.08
KINTYRE58065$4,052.8058549$4,375.70
ROSEGLEN58067$3,996.8058775$4,375.67
TOLLEY58068$3,984.8758787$4,375.63
DENHOFF58069$4,013.2958430$4,375.61
MCCLUSKY58071$3,978.4358463$4,375.61
DUNN CENTER58072$3,973.4158626$4,373.55
ALAMO58075$4,004.1458830$4,372.77
GRENORA58076$4,010.7158845$4,372.77
DOUGLAS58077$3,985.7658735$4,370.28
RYDER58078$3,709.8758779$4,370.28
MAX58079$3,960.2058759$4,369.62
HURDSFIELD58081$3,996.8058451$4,368.61
WHITE EARTH58102$3,789.9358794$4,366.39
POWERS LAKE58103$3,716.9858773$4,364.74
CARTWRIGHT58104$3,677.1858838$4,364.51
KEENE58105$3,806.2358847$4,364.22
NEW ENGLAND58201$3,748.5058647$4,363.97
RICHARDTON58202$3,736.3658652$4,363.36
DES LACS58203$3,727.2158733$4,363.23
MARSHALL58204$3,723.4058644$4,362.68
ZAHL58205$3,723.4058856$4,361.79
HARVEY58210$4,226.3758341$4,360.64
MAXBASS58212$4,190.9958760$4,359.44
WATFORD CITY58214$4,102.3658854$4,358.39
DODGE58216$4,210.5858625$4,357.46
NEWBURG58218$4,097.0658762$4,356.93
RAY58219$4,108.6558849$4,356.90
GLADSTONE58220$4,195.2758630$4,356.70
UPHAM58222$4,209.3558789$4,356.65
MANDAREE58223$4,105.8358757$4,355.85
MOHALL58224$4,213.4758761$4,355.73
EPPING58225$4,236.0858843$4,355.55
TAYLOR58227$4,201.6058656$4,354.69
HALLIDAY58228$4,059.5458636$4,354.36
BALTA58229$4,222.7858313$4,351.04
RUGBY58230$4,136.6858368$4,351.04
ANTLER58231$4,220.6758711$4,351.02
CROSBY58233$4,220.6758730$4,349.17
MCGREGOR58235$4,101.0258755$4,349.17
NOONAN58236$4,222.5658765$4,349.17
RHAME58237$4,238.3858651$4,348.27
AMIDON58238$4,210.5858620$4,347.25
GLENBURN58239$4,208.6258740$4,346.05
CENTER58240$4,101.2058530$4,344.30
GRANVILLE58241$4,213.2158741$4,342.64
DEERING58243$4,227.8058731$4,340.72
BENEDICT58244$4,101.0258716$4,338.28
MARTIN58249$4,209.9358758$4,338.26
BALDWIN58250$4,225.1058521$4,337.91
LANSFORD58251$4,160.4858750$4,337.77
SYKESTON58254$4,255.3758486$4,337.52
HAGUE58255$4,208.6258542$4,337.48
AMBROSE58256$4,087.4158833$4,336.98
FORTUNA58257$4,086.5058844$4,336.98
TIOGA58258$4,029.0858852$4,336.83
REGAN58259$4,254.0658477$4,336.65
BOWDON58260$4,209.6158418$4,336.13
BOWMAN58261$4,220.6758623$4,336.00
GARRISON58262$4,201.3558540$4,335.37
NORWICH58265$4,229.3058768$4,334.73
SOUTH HEART58266$4,199.7258655$4,333.65
GOLVA58267$4,145.6758632$4,332.47
SENTINEL BUTTE58269$4,209.6158654$4,332.47
BEACH58270$4,213.6458621$4,331.79
BUTTE58271$4,236.0858723$4,331.62
WILTON58272$4,255.3758579$4,330.84
WASHBURN58273$4,230.9358577$4,330.48
BALFOUR58274$4,123.8158712$4,328.66
KARLSRUHE58275$4,086.1858744$4,328.66
TOWNER58276$4,222.5658788$4,328.66
GOLDEN VALLEY58277$4,131.3458541$4,328.65
ZAP58278$4,100.5658580$4,328.65
HEBRON58281$4,208.6258638$4,327.98
MERCER58282$4,231.8058559$4,326.79
TURTLE LAKE58301$4,220.0058575$4,326.79
SAWYER58310$4,279.1058781$4,326.62
HAZELTON58311$4,209.6158544$4,325.73
ANAMOOSE58313$4,351.0458710$4,325.40
DRAKE58316$4,303.0058736$4,325.40
WING58317$4,211.6558494$4,325.13
NEW SALEM58318$4,288.0058563$4,324.42
WESTHOPE58321$4,228.3958793$4,324.41
BANTRY58323$4,208.6258713$4,324.25
GLEN ULLIN58324$4,219.2058631$4,323.19
ALEXANDER58325$4,216.4058831$4,322.78
VELVA58327$4,228.0158790$4,321.49
COLEHARBOR58329$4,303.0058531$4,320.73
RIVERDALE58330$4,223.5958565$4,320.73
UNDERWOOD58331$4,237.9758576$4,320.73
WOLFORD58332$4,304.7758385$4,320.03
HAZEN58335$4,275.9458545$4,314.51
BELFIELD58338$4,220.7258622$4,314.10
STANLEY58339$4,245.2458784$4,311.82
BEULAH58341$4,360.6458523$4,311.14
DRISCOLL58343$4,303.0758532$4,309.28
MOFFIT58344$4,282.3558560$4,307.89
STERLING58345$4,226.0558572$4,307.89
YORK58346$4,213.6458386$4,306.79
ESMOND58348$4,280.9358332$4,304.77
KNOX58351$4,220.1458343$4,303.07
BELCOURT58352$4,225.7358316$4,303.00
DUNSEITH58353$4,283.0758329$4,303.00
MENOKEN58355$4,209.6158558$4,302.50
ROLLA58356$4,278.1558367$4,301.70
SAINT JOHN58357$4,259.0458369$4,301.70
SOURIS58361$4,197.9558783$4,301.50
KRAMER58362$4,219.9958748$4,301.23
ROLETTE58363$4,269.2058366$4,300.31
FESSENDEN58365$4,237.9758438$4,294.88
TOKIO58366$4,300.3158379$4,292.91
MEDORA58367$4,301.7058645$4,289.13
BOTTINEAU58368$4,351.0458318$4,288.00
WILLOW CITY58369$4,301.7058384$4,288.00
STANTON58370$4,275.9458571$4,286.75
CATHAY58372$4,208.6258422$4,284.91
CHASELEY58374$4,281.6258423$4,284.23
MYLO58377$4,234.8258353$4,283.07
LAKOTA58379$4,292.9158344$4,282.35
SHEYENNE58380$4,277.6658374$4,281.62
MADDOCK58381$4,272.3958348$4,280.93
GRACE CITY58382$4,216.4058445$4,279.46
AGATE58384$4,288.0058310$4,279.10
NEW ROCKFORD58385$4,320.0358356$4,278.15
TOLNA58386$4,306.7958380$4,277.66
CARRINGTON58401$3,947.8458421$4,276.21
FORT TOTTEN58405$3,941.4958335$4,275.94
SAINT MICHAEL58413$4,106.2258370$4,275.94
TRENTON58415$4,122.0658853$4,273.21
WARWICK58416$4,134.2558381$4,272.39
PERTH58418$4,336.1358363$4,269.20
OBERON58420$4,047.0158357$4,259.04
WILLISTON58421$4,276.2158801$4,256.31
STEELE58422$4,284.9158482$4,255.44
MCVILLE58423$4,284.2358254$4,255.37
PETERSBURG58424$4,001.3358272$4,255.37
MCHENRY58425$4,130.2958464$4,254.29
MICHIGAN58426$3,987.1958259$4,254.06
GLENFIELD58428$4,220.1658443$4,250.29
HANSBORO58429$4,013.0858339$4,245.24
GRAFTON58430$4,375.6158237$4,238.38
EGELAND58431$4,075.6258331$4,237.97
ROCKLAKE58433$4,107.1258365$4,237.97
DRAYTON58436$4,055.8258225$4,236.08
PEMBINA58438$4,294.8858271$4,236.08
STARKWEATHER58439$4,084.8458377$4,234.82
WALHALLA58440$4,106.2258282$4,231.80
PISEK58441$4,039.9058273$4,230.93
NECHE58442$4,102.8558265$4,229.30
BROCKET58443$4,250.2958321$4,228.39
CRARY58444$4,380.1758327$4,228.01
ROBINSON58445$4,279.4658478$4,227.93
TUTTLE58448$4,141.4258488$4,227.93
HOOPLE58451$4,368.6158243$4,227.80
ADAMS58452$4,188.4158210$4,226.37
LAWTON58454$4,051.7658345$4,226.05
MUNICH58455$4,058.4558352$4,225.73
LANKIN58456$4,065.6258250$4,225.10
EDMORE58458$4,078.2658330$4,223.59
FAIRDALE58460$4,102.3158229$4,222.78
GLASSTON58461$4,048.1558236$4,222.56
SAINT THOMAS58463$4,375.6158276$4,222.56
HAMPDEN58464$4,254.2958338$4,220.72
FORDVILLE58466$4,078.2658231$4,220.67
FOREST RIVER58467$4,015.2958233$4,220.67
MINTO58472$4,045.1658261$4,220.67
DAWSON58474$4,051.7258428$4,220.16
MINNEWAUKAN58475$4,188.4058351$4,220.14
DEVILS LAKE58476$4,047.7058301$4,220.00
PENN58477$4,336.6558362$4,219.99
CANDO58478$4,227.9358324$4,219.20
TAPPEN58479$3,987.2458487$4,216.57
CHURCHS FERRY58480$4,047.9758325$4,216.40
WEBSTER58481$4,052.6158382$4,216.40
LEEDS58482$4,255.4458346$4,213.64
PARK RIVER58483$4,005.5958270$4,213.64
DAHLEN58484$4,189.4058224$4,213.47
HENSEL58486$4,337.5258241$4,213.21
BISBEE58487$4,216.5758317$4,211.65
BATHGATE58488$4,227.9358216$4,210.58
HAMILTON58490$4,059.6758238$4,210.58
LANGDON58492$3,991.2058249$4,209.93
MILTON58494$4,325.1358260$4,209.61
OSNABROCK58495$4,115.8158269$4,209.61
ALSEN58496$4,025.5558311$4,209.61
NEKOMA58497$4,045.4458355$4,209.61
CRYSTAL58501$4,020.3158222$4,209.35
HANNAH58503$4,029.2658239$4,208.62
MAIDA58504$4,054.9058255$4,208.62
WALES58505$4,039.3258281$4,208.62
CALVIN58520$4,426.6258323$4,208.62
SARLES58521$4,337.9158372$4,208.62
EDINBURG58523$4,311.1458227$4,201.60
MOUNTAIN58524$4,379.3458262$4,201.35
NIAGARA58528$4,474.3358266$4,199.72
PEKIN58529$4,441.6358361$4,197.95
CAVALIER58530$4,344.3058220$4,195.27
ANETA58531$4,320.7358212$4,190.99
SUTTON58532$4,309.2858484$4,189.40
JESSIE58533$4,440.4058452$4,188.41
PETTIBONE58535$4,392.8658475$4,188.40
LARIMORE58538$4,477.6458251$4,160.48
NORTHWOOD58540$4,335.3758267$4,145.67
HANNAFORD58541$4,328.6558448$4,141.42
FINLEY58542$4,337.4858230$4,136.68
BINFORD58544$4,325.7358416$4,134.25
SHARON58545$4,314.5158277$4,131.34
MANDAN58549$4,375.7058554$4,131.14
COOPERSTOWN58552$4,380.0158425$4,130.29
HOPE58554$4,131.1458046$4,124.99
PORTLAND58558$4,302.5058274$4,123.81
HILLSBORO58559$4,326.7958045$4,122.50
BERLIN58560$4,307.8958415$4,122.06
LUVERNE58561$4,112.3958056$4,121.86
WISHEK58562$4,389.0658495$4,115.81
NAPOLEON58563$4,324.4258561$4,112.39
BURLINGTON58564$4,421.2058722$4,109.61
CALEDONIA58565$4,320.7358219$4,108.65
EDGELEY58566$4,419.9458433$4,107.12
SURREY58568$4,465.0558785$4,106.35
ASHLEY58569$4,462.6158413$4,106.22
FREDONIA58570$4,448.2758440$4,106.22
CUMMINGS58571$4,286.7558223$4,105.83
GACKLE58572$4,307.8958442$4,102.85
ARVILLA58573$4,380.0158214$4,102.36
LEHR58575$4,326.7958460$4,102.31
ZEELAND58576$4,320.7358581$4,102.31
HATTON58577$4,330.4858240$4,101.20
GILBY58579$4,330.8458235$4,101.02
INKSTER58580$4,328.6558244$4,101.02
THOMPSON58581$4,102.3158278$4,100.56
CLIFFORD58601$4,028.3358016$4,099.98
BUXTON58620$4,347.2558218$4,097.06
MANVEL58621$4,331.7958256$4,087.41
BLANCHARD58622$4,314.1058009$4,086.79
MAYVILLE58623$4,336.0058257$4,086.50
REYNOLDS58625$4,357.4658275$4,086.18
FORBES58626$4,373.5558439$4,084.84
GALESBURG58627$4,378.9758035$4,080.20
LAMOURE58630$4,356.7058458$4,078.26
MARION58631$4,323.1958466$4,078.26
MINOT58632$4,332.4758701$4,077.56
DICKEY58634$4,432.7358431$4,075.62
KULM58636$4,354.3658456$4,065.62
MINOT58638$4,327.9858703$4,063.08
VERONA58639$4,402.7158490$4,059.67
EMERADO58640$4,395.2458228$4,059.54
KENSAL58641$4,382.8558455$4,058.45
ELLENDALE58642$4,385.2558436$4,055.82
MINOT58643$4,378.3558707$4,055.48
BISMARCK58644$4,362.6858504$4,054.90
PILLSBURY58645$4,289.1358065$4,052.80
SPIRITWOOD58646$4,435.2158481$4,052.61
JUD58647$4,363.9758454$4,051.76
OAKES58649$4,409.1758474$4,051.72
LITCHVILLE58650$4,435.2158461$4,048.15
SANBORN58651$4,348.2758480$4,047.97
PINGREE58652$4,363.3658476$4,047.70
BUCHANAN58653$4,390.2858420$4,047.01
YPSILANTI58654$4,332.4758497$4,045.44
MONTPELIER58655$4,333.6558472$4,045.16
FULLERTON58656$4,354.6958441$4,039.90
BISMARCK58701$4,077.5658505$4,039.32
BISMARCK58703$4,063.0858503$4,029.26
MEKINOCK58704$3,986.7958258$4,029.08
DICKINSON58705$4,025.5458601$4,028.33
ABSARAKA58707$4,055.4858002$4,027.31
WOODWORTH58710$4,325.4058496$4,025.55
MINOT AFB58711$4,351.0258705$4,025.54
BISMARCK58712$4,328.6658501$4,020.31
BARNEY58713$4,324.2558008$4,018.79
FORT RANSOM58716$4,338.2858033$4,015.64
MEDINA58718$4,390.9558467$4,015.29
LISBON58721$4,392.3458054$4,014.58
STIRUM58722$4,109.6158069$4,013.29
DAZEY58723$4,331.6258429$4,013.08
MCLEOD58725$4,383.6058057$4,012.92
WAHPETON58727$4,376.2158076$4,010.71
GRANDIN58730$4,349.1758038$4,007.65
COLFAX58731$4,340.7258018$4,007.57
MOORETON58733$4,363.2358061$4,007.57
FORMAN58734$4,385.5458032$4,007.50
FAIRMOUNT58735$4,370.2858030$4,006.25
STREETER58736$4,325.4058483$4,005.59
ABERCROMBIE58737$4,376.2158001$4,004.14
WAHPETON58740$4,346.0558075$4,004.14
HANKINSON58741$4,342.6458041$4,004.05
MANTADOR58744$4,328.6658058$4,004.05
COGSWELL58746$4,392.8958017$4,004.02
KATHRYN58748$4,301.2358049$4,002.73
LIDGERWOOD58750$4,337.7758053$4,002.20
CLEVELAND58752$4,376.2158424$4,001.33
MILNOR58755$4,349.1758060$3,997.45
CAYUGA58756$4,398.3358013$3,996.80
HAVANA58757$4,355.8558043$3,996.80
RUTLAND58758$4,338.2658067$3,996.80
WYNDMERE58759$4,369.6258081$3,996.80
GWINNER58760$4,359.4458040$3,994.30
WIMBLEDON58761$4,355.7358492$3,991.20
ROGERS58762$4,356.9358479$3,987.24
COURTENAY58763$4,415.8658426$3,987.19
MINOT AFB58765$4,349.1758704$3,986.79
WALCOTT58768$4,334.7358077$3,985.76
SHELDON58769$4,407.6758068$3,984.87
CHRISTINE58770$4,378.6258015$3,984.37
FINGAL58771$4,405.4558031$3,983.92
LEONARD58772$4,376.2158052$3,981.57
PAGE58773$4,364.7458064$3,980.01
DAVENPORT58775$4,375.6758021$3,979.31
TOWER CITY58776$4,379.4158071$3,978.43
KINDRED58778$4,376.0858051$3,976.06
BUFFALO58779$4,370.2858011$3,974.84
VALLEY CITY58781$4,326.6258072$3,973.41
ENDERLIN58782$4,400.7258027$3,972.41
NOME58783$4,301.5058062$3,970.69
ORISKA58784$4,311.8258063$3,969.97
ERIE58785$4,106.3558029$3,969.20
AYR58787$4,375.6358007$3,961.99
WHEATLAND58788$4,328.6658079$3,960.20
GARDNER58789$4,356.6558036$3,949.60
AMENIA58790$4,321.4958004$3,948.28
ARTHUR58792$4,376.3958006$3,948.28
JAMESTOWN58793$4,324.4158401$3,947.84
JAMESTOWN58794$4,366.3958405$3,941.49
HUNTER58795$4,385.6358048$3,940.10
ARGUSVILLE58801$4,256.3158005$3,926.08
HARWOOD58830$4,372.7758042$3,905.99
MAPLETON58831$4,322.7858059$3,882.71
HORACE58833$4,336.9858047$3,871.57
CASSELTON58835$4,386.7258012$3,838.00
FARGO58838$4,364.5158105$3,806.23
FARGO58843$4,355.5558102$3,789.93
GRAND FORKS58844$4,336.9858201$3,748.50
GRAND FORKS58845$4,372.7758202$3,736.36
GRAND FORKS58847$4,364.2258203$3,727.21
GRAND FORKS AFB58849$4,356.9058204$3,723.40
GRAND FORKS AFB58852$4,336.8358205$3,723.40
FARGO58853$4,273.2158103$3,716.98
WEST FARGO58854$4,358.3958078$3,709.87
FARGO58856$4,361.7958104$3,677.18

Best North Dakota Car Insurance Companies

We know to be a legal driver in North Dakota you need insurance. So, which company is the best? Well, that depends on a lot of different factors.

This next section is going to be all about the companies. We will take a look at which ones are the biggest and more importantly, the cheapest.

Insurance companies take into consideration different factors when getting a quote. Some may rate heavier on driving record while others look more at your credit history. By comparing these different rates, you can get an idea of where you may find the best rate for your needs.

First up, which companies have the best financial rating and customer service.

The Largest Companies Financial Rating

AM Best is one of the top measuring sticks used to give insurance companies a grade as to how their companies are doing financially. Why does the financial rating of these companies matter to you?

If a company is not financially stable, you could have problems with them paying out for claims. Like we mentioned earlier, loss ratio is a huge factor of financial stability.

RankCompany NameAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
1State Farm GroupA$620,48959.83%21.28%
2Progressive GroupA+$370,67862.08%12.71%
3Farmers Insurance GroupA$275,25254.10%9.44%
4Liberty Mutual GroupA$261,29167.77%8.96%
5GeicoA++$260,82870.56%8.95%
6Allstate Insurance GroupA+$237,41854.12%8.14%
7USAA GroupA++$164,06477.08%5.63%
8Country Insurance & Financial Service GroupC$104,84958.75%3.60%
9American Family Insurance GroupA$91,87066.64%3.15%
10Nationwide Corp GroupA+$68,65171.56%2.35%

We took the top ten largest insurance companies in North Dakota and find that nine rated A or higher.

Companies with Best Ratings

If a company is financially stable the next thing you want to look at is their customer service. No one wants to be dealing with loss and dealing with poor customer service. Long hold times and unhelpful customer services reps can make your insurance experience a bad one.

JD Power takes real customer experiences and charts companies with how well they do.

Northwest Region JD Power

Companies with Most Complaints in North Dakota

There is always some bad with the good. Even the best if companies may have complaints filed against them.

RankCompanyWritten PremiumsComplaint Index
1Oklahoma Farm Bureau$54,794,0000.20
2State Farm$336,936,0000.50
3Shelter$48,116,0000.70
4Allstate$102,474,0000.73
5Farmers$172,523,0000.74
5Progressive$118,239,0000.74
7Berkshire Hathaway (Geico)$84,702,0000.75
8USAA$80,953,0000.87
8CSAA$57,151,0000.87
10Liberty Mutual$83,990,0000.99

Cheapest Insurance Companies in North Dakota

We all want to find the best coverage at the cheapest rates. In order to get the cheapest, you have to know the rates of other insurance companies. We took a sampling of rates from the largest companies and compared them to the state average.

CompanyAverageCompared to State AveragePercent Compared to State Average
Allstate Insurance$4,669.31$464.209.94%
American Family Mutual$3,812.40-$392.71-10.30%
Mid-Century Ins Co$3,092.49-$1,112.63-35.98%
Geico General$2,668.24-$1,536.87-57.60%
SAFECO Ins Co of America$12,852.83$8,647.7167.28%
Allied P&C$2,560.35-$1,644.76-64.24%
Progressive Northwestern$3,623.06-$582.05-16.07%
State Farm Mutual Auto$2,560.53-$1,644.59-64.23%
USAA GIC$2,006.80-$2,198.31-109.54%

Commute Rates by Companies

North Dakota does not high commuter times, but often insurance companies will rate your premium by how far you drive every day.

GroupCommute_And_Annual_MileageAnnual Average
Allstate25 miles commute. 12000 annual mileage.$4,783.75
Allstate10 miles commute. 6000 annual mileage.$4,554.87
American Family25 miles commute. 12000 annual mileage.$3,859.56
American Family10 miles commute. 6000 annual mileage.$3,765.24
Farmers10 miles commute. 6000 annual mileage.$3,092.49
Farmers25 miles commute. 12000 annual mileage.$3,092.49
Geico25 miles commute. 12000 annual mileage.$2,698.69
Geico10 miles commute. 6000 annual mileage.$2,637.80
Liberty Mutual10 miles commute. 6000 annual mileage.$12,852.83
Liberty Mutual25 miles commute. 12000 annual mileage.$12,852.83
Nationwide10 miles commute. 6000 annual mileage.$2,560.35
Nationwide25 miles commute. 12000 annual mileage.$2,560.35
Progressive10 miles commute. 6000 annual mileage.$3,623.06
Progressive25 miles commute. 12000 annual mileage.$3,623.06
State Farm25 miles commute. 12000 annual mileage.$2,628.93
State Farm10 miles commute. 6000 annual mileage.$2,492.12
USAA25 miles commute. 12000 annual mileage.$2,027.09
USAA10 miles commute. 6000 annual mileage.$1,986.52

Some companies, like Farmers and Progressive, do not rate based on commuting times. So, if you do commute to work you can choose a company that does not rate for a commute.

Coverage Level Rates by Companies

More coverage means more premium, right? Not necessarily.

Take a look at Liberty Mutual on the chart below.

GroupCoverage TypeAnnual Average
AllstateHigh$4,767.94
AllstateMedium$4,667.42
AllstateLow$4,572.58
American FamilyMedium$4,001.36
American FamilyLow$3,932.67
American FamilyHigh$3,503.17
FarmersHigh$3,175.02
FarmersMedium$3,079.36
FarmersLow$3,023.08
GeicoHigh$2,719.54
GeicoMedium$2,663.66
GeicoLow$2,621.52
Liberty MutualHigh$13,182.14
Liberty MutualMedium$12,799.69
Liberty MutualLow$12,576.65
NationwideHigh$2,636.28
NationwideMedium$2,547.13
NationwideLow$2,497.64
ProgressiveHigh$3,738.69
ProgressiveMedium$3,611.36
ProgressiveLow$3,519.14
State FarmHigh$2,618.19
State FarmMedium$2,567.70
State FarmLow$2,495.68
USAAHigh$2,056.77
USAAMedium$2,007.97
USAALow$1,955.67

A higher coverage actually costs less than a lower coverage. Also, you can see some higher coverage at one company is the same cost as a lower coverage at another. Shopping around and getting multiple quotes always pays off for the best coverage at the cheapest rates.

Credit History Rates by Companies

Credit history is not one of those factors a consumer thinks of when shopping for insurance. You usually think bigger purchases, like a home or car, would rate heavily on your credit.

GroupCredit HistoryAnnual Average
AllstatePoor$5,882.00
AllstateFair$4,478.77
AllstateGood$3,647.16
American FamilyPoor$5,012.38
American FamilyFair$3,481.08
American FamilyGood$2,943.74
FarmersPoor$3,579.67
FarmersFair$2,921.65
FarmersGood$2,776.14
GeicoPoor$3,191.25
GeicoFair$2,570.17
GeicoGood$2,243.30
Liberty MutualPoor$18,684.17
Liberty MutualFair$11,151.13
Liberty MutualGood$8,723.18
NationwidePoor$3,119.84
NationwideFair$2,427.42
NationwideGood$2,133.80
ProgressivePoor$4,187.48
ProgressiveFair$3,495.19
ProgressiveGood$3,186.53
State FarmPoor$3,582.34
State FarmFair$2,277.18
State FarmGood$1,822.06
USAAPoor$2,770.47
USAAFair$1,754.69
USAAGood$1,495.25

The truth is your credit follows you even with your insurance premium. For instance, Liberty Mutual charges almost $10,000 more for poor credit versus a good credit.

Driving Record Rates by Companies

One of the most obvious factors in your rate is your driving record. Want to know how much that ticket is going to cost you?

Well, besides the cost of court fees and fines, it can cost you from a couple of hundred dollars to upwards of a thousand.

GroupDriving RecordAnnual Average
AllstateWith 1 DUI$6,316.36
AllstateWith 1 speeding violation$4,397.21
AllstateWith 1 accident$4,171.17
AllstateClean record$3,792.51
American FamilyWith 1 DUI$5,292.65
American FamilyWith 1 accident$3,977.01
American FamilyWith 1 speeding violation$3,191.73
American FamilyClean record$2,788.21
FarmersWith 1 accident$3,324.12
FarmersWith 1 DUI$3,281.75
FarmersWith 1 speeding violation$3,156.58
FarmersClean record$2,607.49
GeicoWith 1 DUI$4,044.55
GeicoWith 1 accident$2,581.12
GeicoWith 1 speeding violation$2,504.84
GeicoClean record$1,542.47
Liberty MutualWith 1 DUI$13,981.02
Liberty MutualWith 1 speeding violation$13,160.78
Liberty MutualWith 1 accident$12,866.12
Liberty MutualClean record$11,403.39
NationwideWith 1 DUI$3,601.56
NationwideWith 1 accident$2,606.56
NationwideWith 1 speeding violation$2,146.95
NationwideClean record$1,886.34
ProgressiveWith 1 accident$4,111.13
ProgressiveWith 1 speeding violation$3,650.62
ProgressiveWith 1 DUI$3,384.21
ProgressiveClean record$3,346.29
State FarmWith 1 accident$2,749.36
State FarmWith 1 DUI$2,560.51
State FarmWith 1 speeding violation$2,560.51
State FarmClean record$2,371.72
USAAWith 1 DUI$2,822.98
USAAWith 1 accident$2,018.24
USAAWith 1 speeding violation$1,760.03
USAAClean record$1,425.96

A DUI conviction is by far the most costly. Not only with your insurance, as we see above, but we will take a deeper look later to see how much that DUI conviction can impact your driver’s license and your wallet.

Largest Car Insurance Companies in North Dakota

Let’s take a look at the largest companies available in North Dakota.

Company Direct PremiumLoss RatioMarket Share
Progressive Group$72,17958.06%15.32%
State Farm Group$68,85355.76%14.61%
American Family Insurance Group$43,12643.30%9.15%
Nodak Mutual Group$40,57945.08%8.61%
QBE Insurance Group$40,18666.96%8.53%
USAA Group$21,43771.42%4.55%
Geico$16,55467.03%3.51%
Farmers Insurance Group$16,22159.19%3.44%
Grinnell Mutual Group$15,41967.33%3.27%
Center Mutual Insurance Co$14,24471.15%3.02%

Number of Insurers in North Dakota

There are almost 800 insurers in the state of North Dakota. We classify insurers as domestic and foreign. There are 12 domestic and 786 foreign insurers.

Domestic means the insurer was formed under the laws of North Dakota, while foreign means the company was formed under any state law.

North Dakota Laws

Each state has its own set of laws. It is hard when you are new to a state, and sometimes even when you have lived there your whole life, to keep up with the ever-changing state laws.

We have seen earlier you have to have insurance to drive legally, but there is more you should know. That is what we are here to do! We will help navigate state laws in regards to licensing and types of coverages.

Car Insurance Laws

First up, let’s take a look at how laws are made followed with some specific types of insurance.

How North Dakota Laws for Insurance are Determined

All rates and regulations are state-specific and overseen by the National Association of Insurance Commissioners. On the NAIC website you can find the following regulation of North Dakota:

Regarding rate filing, a rate/rule filing of less than 5 percent for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard.

Windshield Coverage

When you hear the crack of the rock hit your windshield, you cringe because you know you may have a huge creeping crack start working its way across your windshield.

North Dakota has no state-specific laws regarding the repair or the use of aftermarket parts.  Just because there is no law does not mean you do not have coverage, some companies have coverage under their comprehensive coverage.

High-Risk Insurance

Are you having a hard time finding insurance due to speeding tickets and other moving violations? Just because you are having a harder time finding insurance to cover you doesn’t mean you do not have to have it.

If you are having a hard time finding insurance, the North Dakota Automobile Insurance Plan might be the next place to look for coverage.

Although this plan is higher than premiums in the normal market, it is available to drivers with a less than perfect record needing insurance.

SR-22 is also a type of filing some drivers may be required to have when looking for insurance. Reasons for having to obtain SR-22 insurance through your provider could be driving under the influence or driving with a suspended license. This filing will also cost drivers more than the average driver.

Automobile Insurance Fraud in North Dakota

Sadly, insurance fraud amounts to $30 billion over a five-year period of time. That is a lot of money that eventually is recovered by raising premiums across the board.

Insurance fraud can range from soft to hard fraud. Soft fraud refers to infractions like making a legitimate claim bigger to get more money. While hard fraud is a planned activity such as faking a car accident.

Both types of fraud are illegal and should be reported. If you ever suspect fraud please contact the North Dakota Insurance Department.

Statute of Limitations

Statute of limitations refers to the time frame you have to file a claim. Legally from the time of loss you only have a certain amount of time to file for losses. It is always best to file the claim immediately.

Insureds have six years for property damages and personal injuries to file a claim.

Vehicle Licensing Laws

Your car must have insurance to stay legal, but what are your responsibilities as the driver to stay legal? We are going to be covering licensing and renewals in this next section.

Real ID

In 2005, the Real ID Act was passed by Congress setting stricter standards for the issuance of drivers license. North Dakota is compliant with this act and this means a North Dakota drivers license can be used as a form of identification to enter a federal building and board commercial flights.

Penalties for Driving Without Insurance

We know it is illegal to drive without insurance in North Dakota. What happens if you do?

First OffenseSecond Offense
Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50.
Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50.

The penalties for driving without insurance are pretty strict, as they should be. You are looking at fines, license suspension, and possible jail time for your first offense.

Teen Driver Laws

Young drivers are always excited to get their license for the first time. Parents are not as excited. Did you see those rates for teen boys?

Requirements Before Getting a License or Restricted LicenseTime Limits
Mandatory holding period-at least 16 years old: 12 months
-16 years old and older: 6 months or until age 18, whichever comes first
Minimum supervised driving time-16 and younger: 50 hrs
-16 and older: none
Minimum age16; 15 for a parent requested restricted license

Along with the required holding times and driving courses, there are also restrictions for teen drivers.

Restricted License Driving RequirementsDetailsMinimum Time Restrictions May Be Lifted
Nighttime RestrictionsThe holder of a restricted license may only drive a car belonging to a parent or guardian and may not drive between the later of sunset or 9 p.m. and 5 a.m.
until age 16 (min. age: 16)
Passenger Restrictions (excepting family members)nonenone

Older Driver License Renewal Procedures

Older drivers follow a slightly different protocol for license renewal.

Older Driver Renewal ProceduresDetails
License Renewal Cycle4 years for people 78 and older
Proof of Adequate VisionEvery Renewal
Mail or Online Renewal PermittedNot Permitted 65 and older

Drivers 65 years and old must renew their license at the DMV and have a vision test every renewal. Once you are 78 years or older, drivers must renew every four years.

New Residents

Once you have lived in North Dakota for a consecutive ninety days, you are not considered a North Dakota state resident. You now have sixty days to get a North Dakota drivers license.

You must show proof of North Dakota address when you visit your local licensing office.

License renewal procedures

You must renew your North Dakota drivers license every six years. You can choose to do so at your local licensing office or you can submit your renewal online or mail.

You must provide an adequate vision screening at ever renewal.

Rules of the Road

In order to be a safe driver, you have to know the rules of the road. Each state may have regulations and guidelines for wearing seatbelts and speed limits.

It can be complicated to try to remember these rules, especially if you are newer to the area. Keep reading to see the rules North Dakota drivers follow.

Fault vs. No-Fault

North Dakota is a no-fault state. This means that when you get into a car accident you have personal injury protection to cover your medical and work leave regardless of fault.

Keep in mind, this is only for medical and economic losses. In North Dakota, you can claim property damage against the at-fault driver of the accident.

Seat Belt and Car Seat Laws

Like most states, North Dakota has laws regarding seat belts and car seats for children.

Seat Belt Law in MaineDetails
Effective Since07/14/94
Primary EnforcementNo
Age/Seats Applicable18+ years old in front seat
1st Offense Max Fine$20

Car Seat LawsDetails
Must be in
child safety seat
7 years and younger and less than 57 inches
Adult belt permissible
8 through 17 years; 7 years and younger and at least 57 inches
Maximum base fine 1st offense$25 (points on your license may also be applied)
Preference for
rear seat
law states no preference for rear seat

Currently, there are no laws regarding passengers in the cargo area of trucks.

Keep Right and Move Over Laws

North Dakota has common laws like most states regarding keep right and move over laws.

Getting behind someone in the left lane can be annoying, it can also be dangerous when people are trying to weave in and out the right lane to get around. Therefore, North Dakota has a keep right law. You are always to keep right when you are the slowest moving vehicle.

Move over laws are also commonly known. Whenever a driver is approaching an accident or any emergency vehicle, you should always slow and try as soon as possible to vacate the lane closest the emergency vehicle.

Speed Limits

Speed limits are another common law. Roads should have posted limit signs, but we have created a table below to help keep track of those limits.

Type of RoadwaySpeed Limit
Rural Interstates75 mph
Urban Interstates75 mph
Other Limited Access Roads70 mph
Other Roads65 mph

Please note, all speed limits are subject to change especially in construction zones.

– Ridesharing

Ridesharing has become a widely popular form of transportation. Anyone needing a little extra cash has been told to try driving for companies like Uber and Lyft.

Here is the thing, you need insurance for driving other people around for hire. It is always good to consult your insurance carrier and also see what coverages you may have with your hiring company.

Automation on the Road

Cars driving themselves are no longer a thing of the future. The advanced technology of cars has surpassed what many thought they would be able to perform.

North Dakota allows the deployment of autonomous vehicles on North Dakota roadways.

Safety Laws

Driving under the influence of any substance is very dangerous. It can destroy your life and the life of others. North Dakota has strict laws against any form of driving under the influence and distracted driving.

DUI Laws

Below are the details for driving under the influence laws in North Dakota.

BAC LimitHigh BAC LimitCriminal Status by OffenseFormal Name for OffenseLook Back Period/Washout Period
0.080.181st and 2nd offense within 7 years are class B misdemeanors. 3rd offense within 7 years is a Class A misdemeanor. 4th and subsequent offenses within 15 years are Class C felonies.Driving Under the Influence (DUI)7 years

What happens if you are convicted of driving under the influence?

Number of OffenseLicense RevocationJail TimeFine
1st91 days minimumno minimum$500 minimum
2nd1 year minimum10 days minimum$600 minimum
3rd2 years minimum120 days minimum$2,000 minimum

North Dakota has serious consequences for driving under the influence. Each subsequent offense means more jail time, fines, and license suspension.

It is not worth the above penalties and the lives that could be lost to drive while intoxicated.

Marijuana-Impaired Driving Laws

North Dakota has no specific marijuana driving laws, but if you are driving while impaired from any substance you can be subject to the same DUI penalties.

Distracted Driving Laws

Most adults, and kids, have handheld devices. Driving while texting is extremely dangerous. North Dakota has a complete ban on texting for all drivers.

Hand-held banYoung driver cell phone banTexting banEnforcement
nodrivers younger than 18all driversprimary

– Driving in North Dakota

Driving can be dangerous. The above safety laws, if followed, can keep drivers safe while driving. Sometimes, accidents do happen and sadly there are fatalities.

In this last section, we are going to cover car theft, fatalities, and transportation of North Dakota drivers.

Vehicle Theft in North Dakota

Knowing what type of car is a popular target for theft can help drivers know what thieves are looking to steal.

RankMake/ModelYear of VehicleYearThefts
1Chevrolet Pickup (Full Size)20022002127
2Ford Pickup (Full Size)19971997101
3Dodge Pickup (Full Size)1998199849
4GMC Pickup (Full Size)2006200637
5Chevrolet Impala2015201527
6Honda Accord1990199023
7Jeep Cherokee/Grand Cherokee1999199921
8Chevrolet Pickup (Small Size)1999199918
9Pontiac Grand Am2000200017
10Ford Taurus1998199816

Pickup trucks top the list with Chevys being the number one stolen vehicle. Out of all the Chevy trucks stolen, the year 2002 was the most popular year.

Where you live is also a factor of auto thefts. Take a look at the below table with all the thefts by North Dakota city.

CityPopulationMotor
vehicle
theft
Belfield8561
Beulah3,1493
Bismarck65,850107
Bowman1,6872
Burlington1,0541
Carrington2,1081
Cavalier1,2681
Devils Lake7,26016
Dickinson20,34747
Ellendale1,3880
Fargo111,101166
Fessenden4860
Grafton4,3264
Grand Forks53,62568
Harvey1,8275
Jamestown15,28620
Kenmare1,0501
Killdeer8411
Lamoure8950
Lincoln2,8981
Lisbon2,1490
Mandan19,16847
Medora1390
Minot44,635108
Napoleon7570
New Town2,3623
Northwood9181
Oakes1,8400
Powers Lake3141
Rolla1,3333
Rugby2,9720
Sherwood2540
Stanley1,9497
Steele7080
Surrey1,0420
Thompson1,0020
Tioga1,2476
Valley City6,5809
Wahpeton7,8128
Watford City2,79320
West Fargo28,01847
Williston19,949203
Wishek9740

Road Fatalities in North Dakota

Knowing when and how fatalities happen can help others be more careful and aware while driving. We have compiled data and put in tables below showing where, when, and counties fatalities occur.

– Fatal Crashes by Weather and Light Condition

Drivers often think accidents happen in poor weather or maybe at night. Surprisingly, most accidents occur in normal, daylight hours.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal367277178
Rain003003
Snow/Sleet501107
Other101013
Unknown1151614
TOTAL4383798105

Fatalities by County

Below is a breakdown of fatalities by North Dakota county.

County Name20132014201520162017
Adams10102
Barnes63323
Benson04231
Billings20010
Bottineau11124
Bowman10200
Burke32021
Burleigh241064
Cass26658
Cavalier03111
Dickey10030
Divide30030
Dunn46313
Eddy01000
Emmons02200
Foster00000
Golden Valley10020
Grand Forks53617
Grant21011
Griggs00030
Hettinger10000
Kidder11020
Lamoure22012
Logan00000
Mchenry14032
Mcintosh00000
Mckenzie232318810
Mclean12664
Mercer20042
Morton32691
Mountrail75588
Nelson25011
Oliver01100
Pembina42100
Pierce11321
Ramsey23121
Ransom21021
Renville00010
Richland23244
Rolette43169
Sargent02102
Sheridan00100
Sioux20321
Slope11003
Stark67636
Steele01001
Stutsman21732
Towner00201
Traill18001
Walsh10434
Ward189866
Wells00001
Williams25121816

Traffic Fatalities

Most accidents happen on rural roadways.

 2008200920102011201220132014201520162017               
Rural9213593132146138116122106103
Urban1251216241019979

Fatalities by Person Type

Person type shows what type of vehicle, bicyclist, or pedestrian was involved in the fatality.

Person Type
20132014201520162017
Passenger Car3839363626
Light Truck - Pickup4333452533
Light Truck - Utility2627181318
Light Truck - Van56135
Large Truck205899
Other/Unknown Occupants43445
Bus00300
Motorcyclists91081212
Pedestrian19775
Bicyclist and Other Cyclist13132
Other/Unknown Nonoccupants10010

Fatalities by Crash Type

How did the fatality happen? Most crashes occur involving roadway departure.

Crash Type20132014201520162017
Single Vehicle6977726769
Involving a Large Truck6349471326
Involving Speeding5950432528
Involving a Rollover6756685757
Involving a Roadway Departure10776866659
Involving an Intersection (or Intersection Related)3037252224
Total Fatalities (All Crashes)*148135131113115

Five-Year Trend For The Top 10 Counties

Looking at the five-year trend in North Dakota, we have listed the top 10 counties for fatalities.

RankNorth Dakota County2013$2,014201520162017
1Mckenzie County23$2318810
2Rolette County4$3169
3Cass County2$6658
4Mountrail County7$5588
5Grand Forks County5$3617
6Stark County6$7636
7Ward County18$9866
8Williams County25$121816
9Bottineau County1$1124
10Burleigh County241064
Sub Total 1.*Top Ten Counties10285916268
Sub Total 2.**All Other Counties4650405147
TotalAll Counties148135131113115

Fatalities Involving Speeding by County

Speeding is a common violation on most roadways. Below is the breakdown of speeding fatalities by county.

County Name20132014201520162017
Adams00000
Barnes01200
Benson00100
Billings10000
Bottineau00001
Bowman10000
Burke11000
Burleigh02411
Cass13102
Cavalier00001
Dickey00000
Divide20000
Dunn02110
Eddy01000
Emmons01000
Foster00000
Golden Valley10010
Grand Forks32011
Grant10011
Griggs00000
Hettinger00000
Kidder01000
Lamoure20010
Logan00000
Mchenry01010
Mcintosh00000
Mckenzie68664
Mclean01612
Mercer10011
Morton10230
Mountrail43412
Nelson13001
Oliver00100
Pembina31000
Pierce00100
Ramsey12000
Ransom11010
Renville00010
Richland11200
Rolette20001
Sargent00000
Sheridan00000
Sioux00201
Slope01002
Stark42301
Steele00001
Stutsman10021
Towner00000
Traill15000
Walsh00002
Ward94322
Wells00000
Williams103400

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Driving under the influence of any substance is very dangerous. You can lose your license, have jail time, and have hefty fines. The biggest thing you could lose is your life or taking the life of someone else.

County Name20132014201520162017
Adams00000
Barnes21112
Benson01130
Billings00000
Bottineau01121
Bowman00000
Burke30001
Burleigh01132
Cass03233
Cavalier02101
Dickey00020
Divide20000
Dunn23112
Eddy01000
Emmons01100
Foster00000
Golden Valley00010
Grand Forks20202
Grant10000
Griggs00020
Hettinger00000
Mcintosh00000
Mckenzie89724
Mclean01322
Mercer10012
Morton01450
Mountrail22463
Nelson13000
Oliver00100
Pembina00000
Pierce00201
Ramsey22010
Ransom01010
Renville00010
Richland01201
Rolette11154
Sargent01102
Sheridan00100
Sioux20201
Slope00000
Stark12214
Steele00000
Stutsman21102
Towner00200
Traill03001
Walsh10021
Ward93231
Wells00000
Williams179501

Teen Drinking and Driving

The North Dakota underage drinking law found on the state website:

It is illegal to manufacture, purchase, consume or possess alcoholic beverages. Drinking underage can result in up to 30 days in jail and a $500 fine. Driving under the influence (.02 for minors) is punishable by up to five years in prison and a $10,000 fine.

Teen drinking can kill lives and North Dakota is serious about letting teens know it is against the law and dangerous. Sadly, the most common unruly crime to be taken to the North Dakota Juvenile Court system is underage consumption and possession of alcohol.

EMS Response Time

If you are in a car accident, you will need an emergency medical team to get to you fast and transfer you to a local hospital.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural7.33 min14.49 min41.05 min59.76 min95
Urban13.50 min5.14 min25.43 min28.337

Transportation

How long do North Dakota drivers spend in the cars and how do they get back and forth to work? Let’s take a look.

Car Ownership

Most North Dakota homes have two cars followed by three car households.

Commute Time

Most drivers have under a 15-minute commute to work. Most United States workers have 25 minutes or more commuting to work.

Commuter Transportation

It is common most workers drive alone to work, much like the rest of the United States.

You did it! You read through all the need to know information for driving in North Dakota. Now you are fully prepared to start comparing your rates and getting the best insurance.

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