Good news for North Dakota drivers: Jerry’s latest data shows that liability coverage in the Peace Garden State averages about $89 per month. per month. North Dakota is a no-fault state that requires personal injury protection (PIP), which means medical claims run through your own policy first and can influence rates differently than in at-fault-only states.Over the past year we’ve helped 966 North Dakotans lower their premiums, and drivers who switch with Jerry save an average of $1,036 a year without cutting essential coverage.
Jerry compares quotes from up to 5 trusted insurers in North Dakota to build your policy and help you secure your best price in minutes.
Save on North Dakota insurance with Jerry.
What North Dakota drivers are paying right now
North Dakota’s insurance prices shift with weather patterns, claim trends and rural crash severity. Long winter seasons, high-speed rural highways and a mix of heavy truck traffic from energy corridors mean two drivers with similar profiles can still pay very different rates based on where they live and how far they drive.
Jerry tracks live quotes across North Dakota to show you what drivers are actually paying today. Here are some recent full coverage policies purchased through Jerry and what those drivers paid:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Check your rates periodically. In North Dakota, everything from a harsh winter to updated claim data in your ZIP code can shift your renewal premium.
4 smart ways Jerry helps North Dakota drivers save on car insurance
Saving on car insurance isn’t just about choosing the lowest number. It’s about understanding what drives North Dakota pricing and adjusting only what you can safely change.
Jerry makes that simple by comparing real offers, surfacing discounts you might otherwise miss and showing you exactly where you can cut costs without compromising protection.
Here are our top tips to help you spend less and worry less.
| How to save | Average North Dakota driver savings |
|---|---|
| Compare quotes | 53% to 99% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 23% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry Agent Tip 1: Compare quotes from multiple insurers
North Dakota’s mix of no-fault rules, rural driving and weather volatility creates big pricing differences between insurers. Long commutes, icy roads and higher crash severity outside metro areas mean every company weighs the state’s risks differently, so the gap between your cheapest and most expensive quote can be significant.
Comparing rates side by side with Jerry is the fastest way to avoid overpaying.
Why it matters: Drivers along major corridors like US-2 or I-94 often see different pricing than those in smaller counties due to claim frequency and crash severity. Jerry shows you these price differences instantly so you can choose the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most North Dakota drivers qualify for more discounts than they realize, from safe-driver savings to multi-car policies, paperless billing, good-student incentives and vehicle safety features. But not every insurer applies all eligible discounts automatically.
Jerry finds the ones you qualify for so no savings slip through the cracks.
Key takeaway: Discount stacking often delivers bigger price drops than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Your deductible is one of the easiest ways to adjust your premium. North Dakota drivers deal with blowing snow, slick roads and high wildlife-collision rates, so choose a deductible you can comfortably afford if you ever need to file a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s value (Jerry updates this automatically each month).
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Choose an amount you can cover out of pocket.
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Compare each deductible level in real time with Jerry.
The Jerry difference: You’ll see instant price changes across multiple deductible options, making it easy to balance cost and protection.
Jerry Agent Tip 4: Avoid a lapse in coverage
A break in coverage hits North Dakota drivers hard. Jerry data shows that even a short lapse raises premiums by 11% on average, and some insurers increase rates more aggressively. The smartest move is choosing a policy that fits your budget every month so you’re never forced to drop coverage.
Jerry shows you real-time pricing across multiple coverage levels so you can choose something sustainable. We’ll then help you re-shop your policy over time to keep your price competitive.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
North Dakota requires 25/50/25 liability, uninsured motorist coverage and PIP medical benefits, but many drivers choose higher limits for better protection. These are the coverage tiers you’ll see when shopping:
Minimum
$53 – $93/mo
Meets state-required liability, PIP and UM/UIM coverage but doesn’t protect your own car.
Full
$99 – $160/mo
Adds collision and comprehensive, often required for financed or leased vehicles.
Preferred
$122 – $188/mo
Higher limits, lower deductibles and extras like towing or rental reimbursement mean maximum coverage.
Key takeaway: Start with your comfort level around risk and your vehicle’s value. Jerry shows real-time prices across all tiers so you can choose confidently.
The cheapest policy in North Dakota is minimum coverage, but adding collision or comprehensive is often worth it given winter hazards and wildlife-collision risks.
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Coverage definitions
North Dakota insurance factors at a glance
Insurance costs in North Dakota reflect real driving conditions and how insurers price rural and weather-related risks. Two drivers with similar profiles can see different premiums depending on exposure to long commutes, harsh winters or oil-industry traffic patterns.
Winter weather
Snow, ice and whiteout conditions increase collision frequency.
Wildlife collisions
Deer and antelope strikes are common on rural highways, making comprehensive coverage valuable.
Rural crash severity
Higher speeds and fewer hospitals increase claim costs.
Uninsured drivers
Around 11% of North Dakota drivers are uninsured, making UM/UIM essential.
North Dakota Insurance After a Ticket, Accident or SR-22
Jerry helps make sure one mistake doesn’t define your rate long term, so we work with insurers that consider your full profile. As your record improves, we will monitor rates and guide you through re-shopping your policy to potentially save more.
If you got a ticket
North Dakota assigns points for violations, and even a single ticket can raise your rate. Points stay on your record for years, though defensive driving courses may reduce some penalties depending on the violation.
Jerry monitors your record and shops for lower rates once the violation clears.
Here are the average rate increases we’ve seen for North Dakota drivers after a ticket:
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Speeding under 15: 44%
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Speeding over 15: 36%
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Failure to obey traffic sign: 60%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
North Dakota is a no-fault state for medical costs but still uses an at-fault system for vehicle damage. An at-fault crash typically raises premiums by 18% on average, and those increases can last three to five years.
Jerry finds your best available rate now and guides you through revisiting your policy once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With No Injury | $215 |
| Not At Fault | $257 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in North Dakota brings steep surcharges and lasting financial consequences. Rates often climb by an average of 52% and remain elevated for several years. Some insurers still offer comparatively reasonable high-risk pricing. Jerry identifies those carriers and monitors your policy as your record improves.
Here are the five cheapest insurers for North Dakota drivers with a DUI:
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Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $187 | Yes | |
| $200 | Yes | |
| $343 | Yes | |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in North Dakota
North Dakota may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and we’ll show you only insurers that file these certificates. Many charge around $25 per year for the paperwork.
Once your SR-22 requirement ends, Jerry can help you move back to a cheaper standard policy.
Car Insurance with Bad Credit
North Dakota allows insurers to use credit-based insurance scores when determining rates, and credit can meaningfully influence your price. Even so, your driving record, claims history and coverage choices often have an equal or stronger impact.
Jerry compares prices across insurers so you can find the company that treats your credit profile most favorably.
Drive with confidence
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Drive with confidence
North Dakota’s combination of no-fault rules, severe winters, wildlife collisions and long rural commutes means no single policy fits every driver. The best coverage is the one tailored to how and where you actually drive.
Jerry makes that easy by matching you with strong, affordable protection today. As time goes on and rates change, we’ll also help re-shop your policy in case your price can improve.
Get North Dakota quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
