You can get car insurance discounts in North Dakota based on how you drive, the car you own, and your relationship with your insurance company. In North Dakota, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance in North Dakota because most insurance companies make it easy to qualify for a variety of savings. North Dakota insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.
Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most North Dakota drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to North Dakota residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.
Car Insurance Discounts in North Dakota
|Discount ||How It Works ||Potential Savings |
|Customer Loyalty ||Insurance companies reward long-term customers with lower rates. ||Up to 10% |
|Good Driver ||Drivers with a clean record and no claims history save on insurance. ||10% to 30% |
|Driver Education ||Insurance companies are required by state law to provide a discount to older drivers who complete an approved defensive driving course. Drivers must be 50 years of age or older to qualify. ||5% to 10% |
|Continuously Insured ||Drivers who have been insured for 6 months or more save on insurance. ||5% to 25% |
|Billing and Payments ||If you pay for your policy in full, set up automatic payments, pay online, or go paperless, you can save. ||2% to 25% |
|Policy Bundling ||Insure multiple vehicles or get different policy types (like home and auto) from the same company can earn a discount. ||1% to 12% |
|Good Student ||Young drivers with a “B” average or higher are eligible for discounts. ||5% to 20% |
|Usage-Based ||Some insurance companies offer discounts for drivers who are willing to have their driving habits monitored by an electronic device attached to your car and/or your smartphone. ||1% to 30% |
|Safety Features ||Cars featuring multiple airbags, anti-lock brakes, daytime running lights, and other safety add-ons can save on car insurance. ||2% to 30% |
|Anti-Theft Systems ||Car alarms, LoJack, steering wheel locks, or other anti-theft features can make comprehensive coverage more affordable. ||5% to 25% |
Remember, discounts vary among different insurance companies, so it’s always best to contact the provider directly to determine which discounts you qualify for.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.