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Finding cheap North Dakota auto insurance is simple with Easy Car Quotes. We connect drivers across the Peace Garden State with top-rated insurers so you can compare policies side by side. Whether you’re a student at UND in Grand Forks, a family in Bismarck, or a business owner in Fargo, our platform makes it easy to:
Compare multiple quotes instantly to find the most competitive rates in your specific North Dakota zip code.
Unlock discounts for safe driving, bundling home and auto, or having a vehicle equipped with winter safety features.
Meet North Dakota’s 2026 minimum requirements, which include 25/50/25 liability limits ($25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage).
Maintain mandatory Personal Injury Protection (PIP) of at least $30,000 to comply with the state’s no-fault laws—covering medical expenses and lost wages regardless of who caused the accident.
Save money while protecting your vehicle, family, and personal finances.
Start saving today with cheap North Dakota auto insurance tailored to Fargo, Bismarck, and Grand Forks drivers. From the heavy commuter traffic on I-294 and I-94 to the scenic stretches of the Enchanted Highway, we ensure your coverage meets the updated 2026 standards while keeping your monthly premiums low.
Your Source for Affordable Car Insurance
Driving in Fargo requires adhering to North Dakota’s 2026 mandates to avoid immediate license suspension and fines between $150 and $1,000. As the state’s primary transit hub, Fargo presents unique risks—from the heavy congestion of the I-29 link to high-pedestrian activity near NDSU. Whether navigating sudden winter blizzards or dense traffic near the West Acres Mall, standard policies often overlook these local demands.
With North Dakota requiring mandatory Uninsured and Underinsured Motorist (UM/UIM) coverage of 25/50, you are protected even if an at-fault driver lacks sufficient insurance. Easy Car Quotes makes it simple to compare top-rated insurers in minutes, helping you find a policy that meets North Dakota’s strict requirements and provides a vital safety net for the busy streets of Fargo, Bismarck, and Grand Forks.
Finding cheap North Dakota auto insurance is simple with Easy Car Quotes. In high-traffic hubs like Fargo, Bismarck, and Grand Forks, heavy congestion on the Main Avenue, State Street, and Gateway Drive corridors increases accident risks, making reliable coverage a necessity.
Whether you’re a professional navigating the Bismarck Financial District or a resident commuting through Grand Forks near the Columbia Mall, we help you instantly compare top-rated insurers. Secure a policy that meets North Dakota’s updated 2026 25/50/25 requirements and mandatory $30,000 PIP while protecting your finances against the unique demands of North Dakota urban driving—ensuring you stay legal and covered whether you’re crossing the Red River or driving through the Badlands.
Read our FAQ's to learn more about North Dakota car insurance and how Easy Car Quotes can help you find the perfect coverage.
ND requires Liability (25/50/25), PIP ($30k), and UM/UIM BI (25/50).
Yes, the required PIP coverage pays for your initial medical expenses and lost wages regardless of fault.
Compare quotes via EasyCarQuotes. Ask about discounts (bundling, good student, safe driver). Maintain a clean driving record and good credit score.
Yes, North Dakota allows insurers to use credit-based insurance scores.
While not required, Comprehensive coverage is recommended for non-collision events like weather damage, and Collision coverage helps if you slide on ice and hit something.
Get a free Auto insurance quote today and see how much you can save!
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