The city in North Dakota with the least expensive auto insurance premiums is Jamestown, which has an average premium of $928 per year. By comparison, the average cost of car insurance in North Dakota overall is $789 per year.
Cheapest Cities for Car Insurance in North Dakota
Jamestown: $928 per year
Langdon: $935 per year
Lisbon: $944 per year
Valley City: $944 per year
Some cities in North Dakota have cheaper car insurance premiums than others because insurance companies take a driver’s ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they’re more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
Yes, ZIP codes affect car insurance premiums. Drivers in the most expensive ZIP codes in New York and California, for example, pay an average of about $3,500 more per year for full-coverage car insurance than drivers in the least expensive areas of those states. And drivers in the most expensive states for car insurance, like New York, can expect to pay at least $700 more per year for minimum coverage than drivers in the least expensive states, like Iowa, on average.… read full answer
With that being said, certain states have banned the use of ZIP codes for insurance pricing or have passed laws reducing their influence on premiums due to concerns about the impact on low-income and minority drivers. For instance, insurers in California are legally required to consider factors like a driver’s record and years of experience before taking their ZIP code into account. Similarly, Michigan used to have the country’s most expensive ZIP codes for car insurance. In response, it recently passed a law forbidding the use of ZIP codes and other demographic information in calculating premiums.
In most states, however, car insurance companies still do consider ZIP codes when calculating premiums.
Car insurance companies evaluate ZIP codes based on:
Traffic, which is affected by population density and the number of cars on the road
Accident rates, which are also influenced by demographics and road quality
The number of uninsured motorists
The ZIP code’s claims history
Weather and environmental factors such as natural disasters
State and local government regulations
The difference in your premium probably isn’t significant enough to justify moving houses just for the insurance savings. However, if you anticipate moving, estimating premiums in advance will help with your financial planning.
It’s also worth noting that lying about your ZIP code or using a friend’s or family member’s address deceptively can lead to denied claims or even charges of insurance fraud. So being dishonest is certainly not worth the short-term cost savings. Instead, if your ZIP code is hurting your car insurance premiums, compare rates with different companies and look for discounts based on other factors.
To find out if you still need an SR-22, contact your local DMV office and ask if your SR-22 form has been filed for the required period of time. If it has, you can then contact your car insurance company and request that they remove your SR-22 filing with the state. Each state has its own requirements, but you usually only need an SR-22 for about … read full answerthree years.
You should never cancel your SR-22 filing if the DMV says you still need it. Doing so would result in penalties such as driver’s license suspension, vehicle registration suspension, and hefty fees. In addition, you would likely need to start the SR-22 filing period all over again.
Here’s How Much Car Insurance Drivers Need in North Dakota:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
$25,000 per person ($50,000 per accident)
$25,000 per person ($50,000 per accident)
Personal Injury Protection
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under North Dakota law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.