Best Car Insurance in Coolidge, Georgia

If you're a Coolidge, Georgia resident seeking the best protection for your vehicle, you've landed in the right place. Car insurance is not just a legal requirement; it's your safety net on the unpredictable roads of our beloved Coolidge. Let's dive into the world of car insurance in Coolidge, exploring options, considerations, and how you can make the most informed choices.

Understanding the Landscape

Car insurance in Coolidge, Georgia is a multifaceted landscape. Whether you're a daily commuter navigating the bustling streets or a weekend explorer enjoying the scenic drives, having comprehensive coverage is paramount. It ensures financial protection and peace of mind.

When delving into the car insurance market, it's essential to comprehend the basics. Liability coverage addresses third-party injuries and property damage, while collision and comprehensive coverage cater to damages to your vehicle. Striking the right balance between these components is key to tailor-fitting your insurance to your unique needs.

Navigating the Market

In Coolidge, a plethora of insurance providers vie for your attention. Giants like State Farm, GEICO, and USAA have a substantial presence, each offering distinct advantages. As you explore your options, consider factors beyond premiums. Evaluate customer reviews, financial stability, and coverage flexibility to make an informed decision.

Securing Affordable Protection

Affordability is a crucial factor in selecting the right car insurance. To find the sweet spot between cost and coverage, explore discounts offered by insurers. Bundling policies, maintaining a clean driving record, and leveraging available discounts can significantly reduce your premiums.

As you navigate through the online realm for quotes, ensure that your information is accurate. Use tools provided by insurance companies to generate precise quotes that reflect your driving profile and coverage preferences.

Tailoring Coverage to Your Needs

Car insurance isn't one-size-fits-all. Explore specialized coverage options based on your unique circumstances. Temporary insurance is ideal for those in Coolidge for a short duration, while classic car enthusiasts may benefit from policies catering specifically to vintage vehicles.

Ensuring Local Relevance

Coolidge, Georgia has its traffic nuances and local regulations. Ensure your chosen car insurance aligns with these specifics. Understanding local considerations guarantees that your coverage is not only comprehensive but also adheres to regional laws.

Scroll for the Unveiling of Exclusive Insights!

Curious to know more about finding the perfect car insurance in Coolidge, Georgia? Scroll down to uncover exclusive insights, tips, and expert advice that will revolutionize the way you approach car insurance.

As you scroll, get ready to unlock premium value. Our comprehensive guide goes beyond the basics, delving into advanced strategies to maximize your car insurance benefits. Whether you're a first-time car owner or a seasoned driver, there's something valuable waiting for you.

The Ultimate Guide to Car Insurance in Coolidge, Georgia

Decoding Policy Types: Which One Suits You?

Embark on a journey into the intricacies of policy types. Understand the differences between liability, full coverage, and specialty policies, empowering yourself to choose the ideal coverage for your unique needs.

Expert Insights and Practical Tips

Scroll deeper to access expert insights and practical tips that can redefine your approach to car insurance. Uncover hidden gems of information, explore real-life scenarios, and equip yourself with the knowledge to secure the best car insurance in Coolidge, Georgia.

Car Insurance in Coolidge, Georgia

Unlock the secrets of car insurance in Coolidge, Georgia. Our in-depth guide provides expert insights, tips, and exclusive information to help you find the perfect coverage. Discover more as you scroll through our comprehensive guide.

Conclusion:

Your journey to finding the best car insurance in Coolidge, Georgia begins here. Scroll, explore, and empower yourself with the knowledge to make informed decisions. Your vehicle deserves the utmost protection, and our guide ensures you navigate the car insurance landscape with confidence.

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• The Ultimate North Dakota Car Insurance Guide (Costs + Coverage)

• Free Auto Insurance Comparison

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• Written by:

• Maria Hanson

• Insurance and Finance Writer

• Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

• Insurance and Finance Writer

• Reviewed by:

• Justin Wright

• Licensed Insurance Agent

• Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

• Licensed Insurance Agent

• UPDATED: Feb 16, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• North Dakota Statistics SummaryDetails Road Miles 2015Total in State: 87,128 Vehicle Miles Driven: 10,036 Million Vehicles 2015Registered: 851,795 Total Stolen: 1,583 State Population760,077 Most Popular VehicleFord F150 Percentage of Motorists Uninsured6.80% State Rank: 45th Driving DeathsSpeeding (2008-2017) Total: 419 Drunk Driving (2008-2017) Total: 547 Average Premiums 2015 (Annual)Liability: $298.18 Collision: $244.09 Comprehensive: $231.04 Combined Premium: $773.30 Cheapest ProviderUSAA + GIC

• From the Red River Valley to the Badlands and the Missouri Plateau, North Dakota’s picturesque terrain is anything but ordinary. The Great Plains will take you up and down rolling hills, while North Dakota’s western border runs into the Rocky Mountains.

• North Dakota is the second-least-populated state in the U.S. Its frigid temperatures and rugged terrain might account for the state’s low population of 760,077 people.

• It is made up of just over 70,000 square miles with a population growth rate of 1.99 percent per year. 

• North Dakota also has more registered vehicles than actual people residing within its borders — there are more than 850,000 registered vehicles that drive on North Dakota back roads every day.

• If you know anything about driving, you know that if you have a vehicle, you must also have car insurance. Finding a great car insurance policy that fits your budget and your lifestyle can be difficult, but it doesn’t have to be.

• If you live in Fargo, Bismarck, Grand Forks, Minot, or West Fargo, you may get up to ten rate quotes from major insurers locally from AutoInsuranceEZ.com. Rates can vary by agency and you ought to compare rates thoroughly before you buy a policy. We’ll help you acquire the coverage to meet your needs.

• Start comparing rates today with our FREE quote tool above.

• Table of Contents Toggle North Dakota Car Insurance Coverage & RatesNorth Dakota’s Car CultureNorth Dakota Minimum Coverage Forms of Financial Responsibility Premiums as a Percentage of IncomeCore CoverageAdditional Liability Coverage in North DakotaAdd-Ons, Endorsements, & RidersMale vs. Female Rates Cheapest Rates by CityBest North Dakota Car Insurance Companies The Top 10 Largest Companies’ Financial Rating Companies with Best RatingsCompanies with Most Complaints in North Dakota Cheapest Companies in North Dakota Commute Rates by Companies in North Dakota Coverage Level Rates by Companies in North Dakota Credit History Rates by Companies in North Dakota Driving Record Rates by Companies in North DakotaLocate the Most Affordable Insurance Rates: Find the Cheapest Insurance in Your City Number of Insurers in North DakotaNorth Dakota State LawsInsurance LawsHow State Laws for Insurance are Determined Windshield Coverage High-Risk Insurance Low-Cost Insurance Automobile Insurance Fraud in North Dakota Statute of Limitations State-Specific Laws Vehicle Licensing Laws REAL ID Penalties for Driving Without Insurance Teen Driver LawsDriver License Renewal Procedures New Residents Negligent Operator Treatment System (NOTS) Rules of the Road Fault vs. No-Fault Seat Belt & Car Seat Laws Keep Right & Move Over Laws Speed Limit Laws RidesharingAutomation on the Road Safety Laws DUI Laws Marijuana-Impaired Driving LawsDriving LawsDriving in North Dakota Vehicle Theft in North Dakota Road Fatalities in North Dakota Most Fatal Highway in North DakotaFatal Crashes by Weather Condition & Light Condition Fatalities (All Crashes) by County Traffic Fatalities: Rural vs. Urban Fatalities by Person Type Fatalities by Crash Type Five-Year Trend For the Top 10 Counties in North DakotaFatalities Involving Speeding by CountyFatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County Teen Drinking & Driving EMS Response Time Transportation Car Ownership Commute Time Commuter Transportation Traffic Congestion in North Dakota

• Table of Contents

• North Dakota Car Insurance Coverage & Rates

• We don’t want to keep you waiting, so let’s dig right into two of these very important car insurance factors: coverage and rate.

• It’s North Dakota state law that every driver must have car insurance — but what type of car insurance is acceptable? How much car insurance do you need and what is it going to cost?  Don’t worry — we’ll cover all this and more in the next few sections.

• So you can better understand North Dakota’s car insurance laws, let’s touch on North Dakota’s car culture first.

• North Dakota’s Car Culture

• According to the Hartford, North Dakota drivers know it’s important to be prepared for anything from car trouble to a sudden storm, says Ron Holten, a state-licensed driver education instructor in North Dakota.

• It’s common for drivers to carry survival kits and sleeping bags, which wasn’t the case when he lived in central Iowa, Holten says.

• That’s partly because of the weather and partly because lower population density in many areas means you can drive a long way between towns. “Here you’ve got to be very cognizant of where you’re at and possible road conditions,” Holten says.

• That might be one reason the best-selling car in North Dakota isn’t a car — it’s the big F-150.

• “I see more all-wheel-drive pickups than anything,” Holten says. “If you go to the local grocery store or coffee hour, the men all drive pickups. That’s probably necessary for working on the farm anyway.”

• If pickups aren’t your speed, you can enjoy North Dakota car culture in another way. In many cities in the state, in spring summer and fall, fans head to the track for auto racing to cheer on their favorite teams and drivers as they zip around the track.

• North Dakota Minimum Coverage

• Every state has a minimum car insurance coverage law. When you ask your car insurance company for a minimum liability insurance policy in North Dakota, they will give you the least amount of insurance that you are legally allowed to carry.

• According to NOLO, North Dakota’s minimum liability insurance requirements are:

• Now that you know North Dakota insurance requirements, let’s discuss why having insurance is important.

• North Dakota is one of a dozen or so states that have legislated some form of a “no-fault” car insurance system.

• That means, after a car accident, your own basic no-fault (also called “personal injury protection” or “PIP”) coverage pays for your medical bills and certain other out-of-pocket losses, regardless of who caused the accident.

• While North Dakota’s no-fault car insurance system applies to injuries caused by car accidents, it has no bearing on vehicle damage claims.

• You can hold the at-fault driver liable for damage to (or total loss of) a vehicle after a car accident in North Dakota, with no limitations.

• Because North Dakota is a no-fault state, it is important to carry more insurance than what is required by state law. Confused? We’ll cover all this and more in a few sections down the page.

•  Forms of Financial Responsibility

• A form of financial responsibility is just a fancy term for proof of insurance. Proof of insurance shows the driver behind the wheel is agreeing to be held financially responsible if they are involved in or cause an accident.

• When you buy an insurance policy, you are given an insurance card showing that you are an insured driver.

• If a law enforcement officer pulls you over, you must be able to show your vehicle registration, license, and proof of insurance.

• Acceptable forms of proof of insurance in the state of North Dakota are:

• If you fail to show proof of insurance when you are pulled over, you will be considered as an uninsured driver and will face penalties for driving without insurance.

•  Premiums as a Percentage of Income

• In 2014, North Dakota’s average per capita income was $51,311. This is the average amount of money a North Dakota resident makes per year after taxes. From 2012 – 2014, North Dakota’s average per capita income increased by about $1,000. 

• Your insurance premium is the amount of money you pay for your insurance policy per year.

• In 2014, North Dakota drivers paid an average of $768.09 for a full coverage insurance policy. From 2012 – 2014, the cost of car insurance increased by $54. 

• North Dakota drivers spend and average of 1.5 percent of their income on car insurance per year.

• When we look at the same average from surrounding states during the same year, we find that South Dakota drivers paid an average of $744.28 for the same car insurance policy and they had an average per capita income of $41,825 — that’s almost $10,000 less than North Dakota residents make. 

• Countrywide, Americans pay an average of $981.77 per year for full coverage and make an average of $40,859 a year. This means that the average American spends 2.4 percent of their income on car insurance. 

• Use this calculator below to find out how much of your income is spent on car insurance.

• CalculatorPro

• Core Coverage

• The following data is pulled directly from the National Association of Insurance Commissioners (NAIC). North Dakota car insurance rates are lower than the national average rate in three out of the four following categories.

• COVERAGE TYPEANNUAL COSTS (2015) Liability$298.18 Collision$244.09 Comprehensive$231.04 Combined$773.30

• The rates listed in the table above are based on North Dakota’s state minimum liability insurance regulations.

• Additional Liability Coverage in North Dakota

• When you’re looking for a new car insurance provider to represent you, it might be a good idea to check out a few things before you hand over your money and sign the dotted line.

• One of these things is loss ratio percentage, the amount of money a company has in premiums compared to the amount of money they spend on claims.

• When you get into an accident, you must file a claim with your insurance company that indicates any damage done to your vehicle (or someone else’s) as well as any medical bills that you have which resulted from the accident.

• For instance, if a company has a high yearly premium and low paid claim rate, the company might be scamming its clients. In other words, if the money from premiums isn’t being used to cover insurance claims, then where is it going?

• Take a look at the table below. What do you notice?

• LOSS RATIO201320142015 Medical Payments (MedPay)70.40%63.81%65.87% Uninsured/Underinsured Motorist Coverage49.57%50.58%58.03%

• The table above shows us a loss ratio percentage for both MedPay and uninsured/underinsured motorist coverage.

• If a loss ratio percentage is too high (over 100 percent) the company could be at risk of going bankrupt because they are paying too many claims — some of these claims could be fraudulent.

• On the other hand, if a loss ratio percentage is too low (under 50 percent) the company is probably scamming its clients. Notice that uninsured/underinsured motorist coverage is particularly low.

• This doesn’t mean that something fishy is absolutely going on behind the curtains, but it is something to be concerned about.

• Did you know that 6.8 percent of North Dakota drivers are uninsured? This means that North Dakota is ranked 45th in the U.S. for uninsured drivers.

• Are you looking for additional coverage? Since you know that 6.8 percent of all North Dakota drivers are completely (and illegally) uninsured, you should want to carry additional coverage.

• Why?

• If an uninsured motorist causes an accident with you, most likely you will never be reimbursed for repairs done to your vehicle or medical bills that you incurred from that accident.

• The uninsured motorist will probably go bankrupt before being able to pay you back for all the bills you have incurred from the accident they caused.

• MedPay and uninsured motorist coverage are not required by the state of North Dakota, but having more insurance is always better insurance.

• Add-Ons, Endorsements, & Riders

• If you’re looking for even more coverage, you’ve come to the right place. Though these add-ons below aren’t required by the state of North Dakota, it might be a good idea to carry them, anyway.

• To learn more about the following types of coverage, click on the links below.

• Add just one of the extra coverage options above, or add them all — the choice is completely up to you.

• Male vs. Female Rates

• Many different factors play a role when deciding what your car insurance rate will be.

• Most people know that having a teen driver on their policy will likely raise their rate, but did you know that marital status and gender can also affect your insurance rate?

• Check out the table below.

• 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

• Most of the time, women pay less for car insurance than men. This is because car insurance companies see women as the more responsible gender.

• If you’re married, you’ll most likely pay less for your car insurance policy than someone who is single.

• Worried about that teenage driving rate? Car insurance companies know that young drivers have less experience behind the wheel and are more likely to get into an accident, which is why they always pay more for car insurance.

• Don’t be alarmed.  If your teen keeps a clean record, this should decrease as they get older.

• Please be aware that our data is based on actual purchased coverage by the state population and includes rates for high-risk drivers and those drivers who choose to purchase more than the state minimum as well as other types of coverage not required such as uninsured/underinsured motorist, PIP, and MedPay.

•  Cheapest Rates by City

• Find your city in the table below.

• CityAverage Grand Total WEST FARGO$3,709.87 GRAND FORKS AFB$3,723.40 GRAND FORKS$3,737.36 FARGO$3,747.58 CASSELTON$3,838.00 HORACE$3,871.57 MAPLETON$3,882.71 HARWOOD$3,905.99 ARGUSVILLE$3,926.08 HUNTER$3,940.10 JAMESTOWN$3,944.67 AMENIA$3,948.28 ARTHUR$3,948.28 GARDNER$3,949.60 WHEATLAND$3,960.20 AYR$3,961.99 ERIE$3,969.20 ORISKA$3,969.97 NOME$3,970.69 ENDERLIN$3,972.41 VALLEY CITY$3,973.41 BUFFALO$3,974.84 KINDRED$3,976.06 TOWER CITY$3,978.43 DAVENPORT$3,979.32 PAGE$3,980.01 LEONARD$3,981.57 FINGAL$3,983.92 CHRISTINE$3,984.37 SHELDON$3,984.87 WALCOTT$3,985.76 COURTENAY$3,987.19 ROGERS$3,987.25 WIMBLEDON$3,991.20 GWINNER$3,994.30 CAYUGA$3,996.80 HAVANA$3,996.80 RUTLAND$3,996.80 WYNDMERE$3,996.80 MILNOR$3,997.46 CLEVELAND$4,001.33 LIDGERWOOD$4,002.20 KATHRYN$4,002.73 COGSWELL$4,004.02 HANKINSON$4,004.05 MANTADOR$4,004.05 ABERCROMBIE$4,004.14 STREETER$4,005.59 MINOT AFB$4,006.17 FAIRMOUNT$4,006.25 WAHPETON$4,007.43 FORMAN$4,007.50 COLFAX$4,007.57 MOORETON$4,007.57 GRANDIN$4,007.65 MCLEOD$4,012.93 DAZEY$4,013.08 STIRUM$4,013.29 LISBON$4,014.59 MEDINA$4,015.29 FORT RANSOM$4,015.64 BARNEY$4,018.79 WOODWORTH$4,025.55 ABSARAKA$4,027.31 DICKINSON$4,028.34 MEKINOCK$4,029.08 BISMARCK$4,035.95 FULLERTON$4,039.90 MONTPELIER$4,045.16 YPSILANTI$4,045.44 BUCHANAN$4,047.01 PINGREE$4,047.70 SANBORN$4,047.97 LITCHVILLE$4,048.15 OAKES$4,051.72 JUD$4,051.76 SPIRITWOOD$4,052.61 PILLSBURY$4,052.80 ELLENDALE$4,055.82 KENSAL$4,058.45 EMERADO$4,059.54 VERONA$4,059.67 MINOT$4,065.38 KULM$4,065.62 DICKEY$4,075.62 LAMOURE$4,078.26 MARION$4,078.26 GALESBURG$4,080.20 FORBES$4,084.84 REYNOLDS$4,086.18 MAYVILLE$4,086.50 BLANCHARD$4,086.79 MANVEL$4,087.42 BUXTON$4,097.06 CLIFFORD$4,099.98 THOMPSON$4,100.56 GILBY$4,101.02 INKSTER$4,101.02 HATTON$4,101.20 LEHR$4,102.31 ZEELAND$4,102.31 ARVILLA$4,102.37 GACKLE$4,102.85 CUMMINGS$4,105.83 ASHLEY$4,106.22 FREDONIA$4,106.22 SURREY$4,106.35 EDGELEY$4,107.12 CALEDONIA$4,108.64 BURLINGTON$4,109.60 NAPOLEON$4,112.39 WISHEK$4,115.81 LUVERNE$4,121.86 BERLIN$4,122.06 HILLSBORO$4,122.50 PORTLAND$4,123.81 HOPE$4,124.99 COOPERSTOWN$4,130.30 MANDAN$4,131.14 SHARON$4,131.34 BINFORD$4,134.25 FINLEY$4,136.68 HANNAFORD$4,141.42 NORTHWOOD$4,145.67 LARIMORE$4,160.48 PETTIBONE$4,188.40 JESSIE$4,188.41 SUTTON$4,189.40 ANETA$4,190.99 CAVALIER$4,195.27 PEKIN$4,197.95 NIAGARA$4,199.72 MOUNTAIN$4,201.35 EDINBURG$4,201.60 CALVIN$4,208.62 HANNAH$4,208.62 MAIDA$4,208.62 SARLES$4,208.62 WALES$4,208.62 CRYSTAL$4,209.36 ALSEN$4,209.61 MILTON$4,209.61 NEKOMA$4,209.61 OSNABROCK$4,209.61 LANGDON$4,209.93 BATHGATE$4,210.58 HAMILTON$4,210.58 BISBEE$4,211.65 HENSEL$4,213.22 DAHLEN$4,213.47 LEEDS$4,213.64 PARK RIVER$4,213.64 CHURCHS FERRY$4,216.40 WEBSTER$4,216.40 TAPPEN$4,216.57 CANDO$4,219.20 PENN$4,219.99 DEVILS LAKE$4,220.00 MINNEWAUKAN$4,220.14 DAWSON$4,220.16 FORDVILLE$4,220.67 FOREST RIVER$4,220.67 MINTO$4,220.67 HAMPDEN$4,220.72 GLASSTON$4,222.56 SAINT THOMAS$4,222.56 FAIRDALE$4,222.78 EDMORE$4,223.59 LANKIN$4,225.10 MUNICH$4,225.73 LAWTON$4,226.05 ADAMS$4,226.37 HOOPLE$4,227.80 ROBINSON$4,227.93 TUTTLE$4,227.93 CRARY$4,228.01 BROCKET$4,228.39 NECHE$4,229.30 PISEK$4,230.93 WALHALLA$4,231.81 STARKWEATHER$4,234.82 DRAYTON$4,236.08 PEMBINA$4,236.08 EGELAND$4,237.97 ROCKLAKE$4,237.97 GRAFTON$4,238.38 HANSBORO$4,245.24 GLENFIELD$4,250.29 MICHIGAN$4,254.06 MCHENRY$4,254.29 MCVILLE$4,255.37 PETERSBURG$4,255.37 STEELE$4,255.44 WILLISTON$4,256.32 OBERON$4,259.04 PERTH$4,269.20 WARWICK$4,272.39 TRENTON$4,273.21 FORT TOTTEN$4,275.94 SAINT MICHAEL$4,275.94 CARRINGTON$4,276.21 TOLNA$4,277.66 NEW ROCKFORD$4,278.15 AGATE$4,279.10 GRACE CITY$4,279.46 MADDOCK$4,280.93 SHEYENNE$4,281.62 LAKOTA$4,282.35 MYLO$4,283.07 CHASELEY$4,284.23 CATHAY$4,284.91 STANTON$4,286.75 BOTTINEAU$4,288.00 WILLOW CITY$4,288.00 MEDORA$4,289.13 TOKIO$4,292.91 FESSENDEN$4,294.88 ROLETTE$4,300.31 KRAMER$4,301.23 SOURIS$4,301.50 ROLLA$4,301.70 SAINT JOHN$4,301.70 MENOKEN$4,302.50 BELCOURT$4,303.00 DUNSEITH$4,303.00 KNOX$4,303.07 ESMOND$4,304.77 YORK$4,306.79 MOFFIT$4,307.89 STERLING$4,307.89 DRISCOLL$4,309.27 BEULAH$4,311.13 STANLEY$4,311.82 BELFIELD$4,314.10 HAZEN$4,314.51 WOLFORD$4,320.03 COLEHARBOR$4,320.73 RIVERDALE$4,320.73 UNDERWOOD$4,320.73 VELVA$4,321.49 ALEXANDER$4,322.78 GLEN ULLIN$4,323.19 BANTRY$4,324.25 NEW SALEM$4,324.41 WESTHOPE$4,324.41 WING$4,325.12 ANAMOOSE$4,325.40 DRAKE$4,325.40 HAZELTON$4,325.73 SAWYER$4,326.62 MERCER$4,326.79 TURTLE LAKE$4,326.79 HEBRON$4,327.98 GOLDEN VALLEY$4,328.64 ZAP$4,328.64 BALFOUR$4,328.66 KARLSRUHE$4,328.66 TOWNER$4,328.66 WASHBURN$4,330.48 WILTON$4,330.84 BUTTE$4,331.62 BEACH$4,331.79 GOLVA$4,332.47 SENTINEL BUTTE$4,332.47 SOUTH HEART$4,333.65 NORWICH$4,334.73 GARRISON$4,335.37 BOWMAN$4,336.00 BOWDON$4,336.13 REGAN$4,336.65 TIOGA$4,336.83 AMBROSE$4,336.98 FORTUNA$4,336.98 HAGUE$4,337.48 SYKESTON$4,337.52 LANSFORD$4,337.77 BALDWIN$4,337.91 MARTIN$4,338.26 BENEDICT$4,338.28 DEERING$4,340.72 GRANVILLE$4,342.64 CENTER$4,344.30 GLENBURN$4,346.05 AMIDON$4,347.25 RHAME$4,348.27 CROSBY$4,349.17 MCGREGOR$4,349.17 NOONAN$4,349.17 ANTLER$4,351.02 BALTA$4,351.04 RUGBY$4,351.04 HALLIDAY$4,354.35 TAYLOR$4,354.69 EPPING$4,355.55 MOHALL$4,355.73 MANDAREE$4,355.85 UPHAM$4,356.65 GLADSTONE$4,356.70 RAY$4,356.90 NEWBURG$4,356.93 DODGE$4,357.46 WATFORD CITY$4,358.39 MAXBASS$4,359.44 HARVEY$4,360.64 ZAHL$4,361.79 MARSHALL$4,362.68 DES LACS$4,363.23 RICHARDTON$4,363.36 NEW ENGLAND$4,363.97 KEENE$4,364.22 CARTWRIGHT$4,364.51 POWERS LAKE$4,364.74 WHITE EARTH$4,366.39 HURDSFIELD$4,368.61 MAX$4,369.62 DOUGLAS$4,370.27 RYDER$4,370.27 ALAMO$4,372.77 GRENORA$4,372.77 DUNN CENTER$4,373.55 DENHOFF$4,375.61 MCCLUSKY$4,375.61 TOLLEY$4,375.63 ROSEGLEN$4,375.67 KINTYRE$4,375.70 RUSO$4,376.08 COLUMBUS$4,376.21 FLAXTON$4,376.21 LIGNITE$4,376.21 PORTAL$4,376.21 VOLTAIRE$4,376.39 MARMARTH$4,378.35 PARSHALL$4,378.62 FAIRFIELD$4,378.97 BRADDOCK$4,379.34 ROSS$4,379.41 LINTON$4,380.01 STRASBURG$4,380.01 GOODRICH$4,380.18 LEFOR$4,382.84 CARPIO$4,383.60 MANNING$4,385.25 DONNYBROOK$4,385.54 WILDROSE$4,385.63 ARNEGARD$4,386.72 NEW LEIPZIG$4,389.06 SCRANTON$4,390.27 BERTHOLD$4,390.95 BOWBELLS$4,392.33 FLASHER$4,392.86 KENMARE$4,392.89 KILLDEER$4,395.24 MAKOTI$4,398.33 SHERWOOD$4,400.72 HETTINGER$4,402.71 PLAZA$4,405.45 PALERMO$4,407.67 REEDER$4,409.17 NEW TOWN$4,415.86 SAINT ANTHONY$4,419.93 RALEIGH$4,421.20 ALMONT$4,426.62 GRASSY BUTTE$4,432.73 MOTT$4,435.21 REGENT$4,435.21 ELGIN$4,440.40 CARSON$4,441.63 SOLEN$4,448.27 SHIELDS$4,462.60 SELFRIDGE$4,465.05 CANNON BALL$4,474.33 FORT YATES$4,477.64

• According to our data, car insurance is the most expensive in Fort Yates.

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• Best North Dakota Car Insurance Companies

• With hundreds of car insurance companies out there, it can be difficult to choose just one to take care of you and your family.

• While you may choose a car insurance company strictly based on rates, it could be smart to read about why a car insurance company has low rankings, or why they are ranked off the charts.

• In this next section, we’ll show you statistics like company complaints, A.M. Best ratings, customer service satisfaction ratings, and more.

•  The Top 10 Largest Companies’ Financial Rating

• Similar to loss ratio percentages, A.M. Best ratings show a company’s financial strength. If a company is not financially stable, you could have problems with them paying out for claims.

• 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 10 largest insurance companies in North Dakota and find that nine rated A or higher.

•  Companies with Best Ratings

• We know that customer satisfaction is important in all service industries, but it is especially important in the car insurance world.

• J.D. Power conducts a study every year that ranks car insurance companies based on customer satisfaction skills.

• The 2019 U.S. Auto Insurance Study, now in its 20th year, examines customer satisfaction in five factors (in order of importance): interaction; policy offerings; price; billing process and policy information; and claims.

• The study is based on responses from 42,759 auto insurance customers and was fielded from February – April 2019.

• Except for USAA, (a company that only services military members and their families) Shelter was ranked as the number one insurance company in the central region of the U.S.

• This region includes Arkansas, Iowa, Kansas, Minnesota, Nebraska, North Dakota, Oklahoma, and South Dakota.

• Companies with Most Complaints in North Dakota

• It also might be a good idea to check a company’s complaint history. Don’t be alarmed if you see open complaints — the best companies out there have complaints filed against them.

• COMPANY NAMENational Median Complaint RatioCompany Complaint Ratio 2017Total Complaints 2017 State Farm Group10.441482 Progressive Group10.75120 Farmers Insurance Group100 Liberty Mutual Group15.95222 GeicoN/A0.0076 Allstate Insurance Group10.5163 USAA GroupN/A02 Country Insurance & Financial Service Group10.4415 American Family Insurance Group10.7973 Nationwide Corp Group10.2825

•  Cheapest Companies in North Dakota

• If you’re looking for the company with the cheapest rate in North Dakota, see the table below. We compared North Dakota’s average rates with rates from the largest companies in North Dakota.

• CompanyAverageCompared to State AveragePercentage 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%

• According to our data, USAA GIC, State Farm Mutual Auto, and Allied P&C have the cheapest rates in the North Dakota area.

•  Commute Rates by Companies in North Dakota

• Did you know your rate can increase if you drive more than the average North Dakota driver? See below.

• Group10 miles commute, 6000 annual mileage25 miles commute, 12000 annual mileage Allstate$4,554.87$4,783.75 American Family$3,765.24$3,859.56 Farmers$3,092.49$3,092.49 Geico$2,637.80$2,698.69 Liberty Mutual$12,852.83$12,852.83 Nationwide$2,560.35$2,560.35 Progressive$3,623.06$3,623.06 State Farm$2,492.12$2,628.93 USAA$1,986.52$2,027.09

• Some companies in the table above will leave your rate alone even if you drive more miles per year. Others may increase your rate by $50 – $100 a year.

•  Coverage Level Rates by Companies in North Dakota

• By now you should know that every driver in North Dakota is required to carry at least a minimum liability insurance policy. However, sometimes a car insurance company will give you a break if you carry more insurance than what is required by the state.

• See what we’re referring to in the table below.

• GroupLow CoverageMedium CoverageHigh Coverage Allstate$4,572.58$4,667.42$4,767.94 American Family$3,932.67$4,001.36$3,503.17 Farmers$3,023.08$3,079.36$3,175.02 Geico$2,621.52$2,663.66$2,719.54 Liberty Mutual$12,576.65$12,799.69$13,182.14 Nationwide$2,497.64$2,547.13$2,636.28 Progressive$3,519.14$3,611.36$3,738.69 State Farm$2,495.68$2,567.70$2,618.19 USAA$1,955.67$2,007.97$2,056.77

• High coverage only costs a couple of hundred dollars more per year — this means you might only pay $20 or less for your car insurance policy a month.

• Having better coverage will help soften the blow when you get into a car accident down the road and can’t afford to pay those extra medical bills or vehicle repairs.

•  Credit History Rates by Companies in North Dakota

• Credit history doesn’t just affect your interest rates — it also can affect your car insurance rate.

• GroupPoor Credit HistoryFair Credit HistoryGood Credit History Allstate$5,882.00$4,478.77$3,647.16 American Family$5,012.38$3,481.08$2,943.74 Farmers$3,579.67$2,921.65$2,776.14 Geico$3,191.25$2,570.17$2,243.30 Liberty Mutual$18,684.17$11,151.13$8,723.18 Nationwide$3,119.84$2,427.42$2,133.80 Progressive$4,187.48$3,495.19$3,186.53 State Farm$3,582.34$2,277.18$1,822.06 USAA$2,770.47$1,754.69$1,495.25

• If you have a poor credit history, your rate could go up by thousands of dollars a year. On the other hand, good credit history can save you thousands of dollars on your insurance policy a year.

• Car insurance companies believe people who have great credit are usually more responsible, and in turn, will be more responsible drivers. According to Experian, North Dakota has one of the highest average credit scores in the country: 697.

• The average American has a credit score of 675 and has an average of 3.1 credit cards.

• If you have poor credit, Geico might be the best car insurance company to choose based on credit rates.

•  Driving Record Rates by Companies in North Dakota

• The most significant factor to affect your car insurance rate is likely to be your driving record. If you’ve proved yourself to be a great driver, your rates should be on the cheaper side.

• If you’ve gotten two DUIs, been in an accident, and gotten four speeding tickets, you’re probably going to be paying thousands of dollars more for car insurance than your neighbor with a clean record.

• GroupClean RecordWith 1 speeding violationWith 1 accidentWith 1 DUI Allstate$3,792.51$4,397.21$4,171.17$6,316.36 American Family$2,788.21$3,191.73$3,977.01$5,292.65 Farmers$2,607.49$3,156.58$3,324.12$3,281.75 Geico$1,542.47$2,504.84$2,581.12$4,044.55 Liberty Mutual$11,403.39$13,160.78$12,866.12$13,981.02 Nationwide$1,886.34$2,146.95$2,606.56$3,601.56 Progressive$3,346.29$3,650.62$4,111.13$3,384.21 State Farm$2,371.72$2,560.51$2,749.36$2,560.51 USAA$1,425.96$1,760.03$2,018.24$2,822.98

• If you’ve had a rough few years with your driving record and you’re looking to save some money on your insurance policy, try State Farm.

• Locate the Most Affordable Insurance Rates: Find the Cheapest Insurance in Your City

• Discover the most affordable insurance rates in Grand Forks and Minot, North Dakota. Start comparing now!

• Find the Cheapest Insurance in Your City Grand Forks, ND Minot, ND

•  Number of Insurers in North Dakota

• There are 12 domestic insurers in North Dakota and 786 foreign insurers. What is the difference between foreign and domestic insurers?

• Domestic insurance laws are formed under the laws of the state of North Dakota, while foreign laws are formed under the laws of the U.S.

• Every state has different laws. Domestic laws only apply to the state they are created in, but every driver must abide by foreign laws.

• North Dakota State Laws

• Do you know every state law in North Dakota?

• While we don’t expect you to know every North Dakota law, you should be aware of North Dakota’s driving laws. Knowing these can help you avoid accidents, avoid speeding tickets, and even save your life.

• In this next section, we will cover car insurance laws, windshield coverage, high-risk insurance, insurance discounts, insurance fraud, and state-specific laws.

• Buckle up as we work our way through North Dakota state laws.

• The following information is brought to you by the NAIC, the IIHS, Carwindshields.info, the DMV, Responsibility.org, and NOLO.

• Insurance Laws

• First of all, let’s take a look at how car insurance laws are created.

• According to the NAIC, state laws have considerable influence on auto insurance.

• Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

• In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits.

• 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.

• Unfortunately for North Dakota drivers, there aren’t any laws about insurance companies paying to replace a broken windshield without a deductible.

• However, here are some laws that are applicable in the state of North Dakota concerning broken windshields.

• High-risk insurance (or SR-22 insurance) is needed when a driver gets into a car accident and/or is charged with a DUI or breaks a driving law once or multiple times.

• You also might need high-risk insurance if the following applies:

• Similar to a proof of insurance form, SR-22 insurance is a form stating you agree to be financially responsible if and when an accident occurs.

• 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.

• At this time, North Dakota does not offer any type of government aid for car insurance to families with low income; however, there are many more ways you can save money on your insurance policy.

• California, Hawaii, and New Jersey are the only states in the U.S. that provide car insurance government aid to families with low income.

• Ask your insurance provider if you qualify for any of the following discounts:

• Ready to start saving money on North Dakota auto insurance right now? Use our free tool by entering your zip code in the box below.

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• Enter your ZIP code below to compare auto insurance rates.

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• According to the Insurance Information Institute, insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

• The III also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

• Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims, or, in the case of business owners, list fewer employees or misrepresent the work they do to pay lower premiums for worker’s compensation.

• Auto insurance fraud is illegal in the state of North Dakota and should be reported to the North Dakota Insurance Department. You can visit the NDID in person at this address:

• 600 E Boulevard Ave. Bismarck, ND 58505-0320

• If you’d like to speak with someone about a false claim over the phone, simply call their office at (800) 247-0560. Send them an email at [email protected].

• The statute of limitations law in North Dakota is set in place to protect both a driver and an insurance company.

• This law gives a driver ample time to file a claim with their insurance company. The law protects the insurance company from drivers who want to file claims many years after an accident happened.

• North Dakota drivers have six years to file a personal injury claim and six years to file a property damage claim. Keep in mind that six years begins the day that your accident occurs.

• Remember how we talked about domestic insurance laws? Sometimes states have some weird domestic driving laws, and we found one in North Dakota worth talking about.

• In North Dakota, it is against the law to put a penny in an automatic parking ticket machine. You’ll have to pay for parking with other currency, like a normal person.

•  Vehicle Licensing Laws

• It’s time to move onto vehicle licensing laws. Have you ever heard of a REAL ID?

• By October 2020, every driver who wants to go through airport security, board a domestic flight, or enter a federal building must have a REAL ID.

• You will not need a REAL ID to drive a car or vote.

• It is illegal to drive without insurance in the state of North Dakota. But happens if you are caught and charged with driving without insurance?

• 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.

• If you are caught driving without insurance just one time, you could be facing some serious jail time, fines, and license suspension.

• To help you avoid some pretty serious penalties, we’ve listed acceptable forms of proof of insurance below:

• Any time you are pulled over by the police, you must provide proof of registration, insurance, and a driver’s license.

• According to the IIHS, teens can get their driving permit at age 14 in the state of North Dakota. Check out the table below about teen driver laws.

• 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

• When you’re a new teen driver, you must follow these restrictions in the table below.

• 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

• If you are under the age of 78 years old, you must renew your North Dakota driver license every six years. If you are 78 years old and older, you must renew your license every four years.

• Proof of adequate vision is required at every renewal for drivers of all ages.

• Mail and online renewal are permitted for drivers under the age of 65, but drivers may only renew their license through the mail or online every other time.

• According to ND.gov, Any person other than a nonresident student, a tourist, or a nonresident member of the Armed Forces who has lived in this state 90 consecutive days shall be deemed a resident of North Dakota for driver licensing.

• You may use your commercial license from another state for 30 days after you become a resident of North Dakota.

• Proof of identification and North Dakota residency will be required when applying for a North Dakota license.

• North Dakota defines “reckless driving” or “negligent driving as:

• The consequences of a reckless driving violation depend on the circumstances. But generally, the possible penalties are:

• A reckless driving conviction will add eight demerit points to a motorist’s driving record. And an aggravated reckless driving violation is 12 points. Accumulating too many points can lead to license suspension.

•  Rules of the Road

• If you don’t know the rules of the road, you could be at risk of being in an accident or getting a speeding ticket.

• In this next section, we will go over the seat belt and car seat laws, speed limit laws, ridesharing insurance laws and more.

• Keep reading to learn more about the North Dakota rules of the road.

• According to NOLO, North Dakota is one of a dozen or so states that have legislated some form of a “no-fault” car insurance system.

• That means, after a car accident, your own basic no-fault (also called “personal injury protection” or “PIP”) coverage pays for your medical bills and certain other out-of-pocket losses, regardless of who caused the accident.

• North Dakota wants drivers to be safe while on the road. Take a look at these seat belt laws listed below.

• The following data is brought to you from the IIHS.

• SEAT BELT LAW IN North DakotaDETAILS Effective Since07/14/94 Primary EnforcementNo Age/Seats Applicable18+ years old in front seat 1st Offense Max Fine$20

• North Dakota also has car seat laws. Make sure your child is safe by following these car sear laws listed below.

• CAR SEAT LAWSDETAILS Must be in child safety seat7 years and younger and less than 57 inches Adult belt permissible8 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 seatlaw states no preference for rear seat

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

• North Dakota law says to keep right if you are driving slower than the average speed of traffic around you.

• Passing on the right is allowed in certain conditions.

• According to AAA, state law also requires drivers approaching a stationary emergency vehicle displaying flashing lights, including wreckers and highway maintenance vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a safe speed.

• All drivers should always pay attention to speed limits. Check out the table below for maximum allowed speeds in North Dakota.

• TYPE OF ROADWAYSPEED LIMIT Rural Interstates75 mph Urban Interstates75 mph Other Limited Access Roads70 mph Other Roads65 mph

• Remember that speed limits can always change, especially in construction zones.

• If you are a driver for Uber or Lyft, you’re going to need ridesharing insurance. Insurance companies know that the more you drive, the more likely you are to get into an accident.

• You can get ridesharing insurance from any of the following companies:

• What is vehicle automation?

• The IIHS states that automation involves using radar, camera, and other sensors to perform parts or all of the driving task on a sustained basis, instead of the driver.

• One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

• Features such as automatic braking, which acts as a backup if the human driver fails to brake, or blindspot detection, which provides additional information to the driver, aren’t considered automation under this definition.

• Driving automation is not limited to vehicles that drive themselves without human interaction but includes technologies that vary in technical capability.

• While automated vehicles are deployed in North Dakota, the state does not require a licensed operator for an “autonomous vehicle” when “the automated driving system is completing the entire dynamic driving task” if the vehicle can achieve “a minimal risk condition” in the event of a failure.

•  Safety Laws

• In this next small section, we will cover distracted driving laws and penalties for driving under the influence. It is extremely dangerous to drive while under the influence, and that is exactly why North Dakota has put strict laws in place to prevent it.

• From 2008 – 2017, there 419 alcohol-related driving deaths. See the table below for North Dakota DUI laws.

• 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

• If you break one of these laws or drive after drinking one too many margaritas, you’ll be facing some serious penalties.

• 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

• Get a DUI just one time and you could lose your license for up to 91 days and have to pay a minimum fine of $500.

• When you choose to drink and drive, not only are you risking your own life but someone else’s, as well. Get an Uber next time — these serious DUI penalties listed above are not worth getting behind the wheel after you’ve been behind the bar.

• According to Responsibility.org, in the state of North Dakota, there aren’t any specific laws about marijuana.

• However, this doesn’t mean a law enforcement officer cannot pull you over for driving under the influence, or “driving impaired.”

• While there isn’t a handheld cell phone ban in the state of North Dakota, this doesn’t mean you can use your cell phone while driving whenever you want.

• HAND-HELD BANYOUNG DRIVER CELL PHONE BANTEXTING BANENFORCEMENT nodrivers younger than 18all driversprimary

• According to AAA, texting while driving is prohibited. All wireless device use is prohibited for drivers under age 18.

• Driving in North Dakota

• We’ve touched on car insurance laws, types of coverage, costs of coverage, rules of the road and distracted driving laws, but now it’s time to talk about the risks of driving on North Dakota roads.

• It’s always good to be aware of your surroundings when you’re driving, but if you don’t know the risks of the road, you could be the perfect candidate for vehicle theft or a deadly crash.

• Hold on tight as we cover this last section. The following information is brought to you by the NHTSA, Responsibility.org, Data USA, the FBI, and Inrix.

•  Vehicle Theft in North Dakota

• Here’s a list of the top 10 vehicles that are the most stolen in North Dakota.

• 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

• The year of the vehicle listed is the most popular model stolen in the year 2016.

• The following list is brought to you by the FBI. It shows vehicle theft by city in North Dakota.

• 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

• Some of these cities have zero vehicle theft for the year 2017.

•  Road Fatalities in North Dakota

• Road fatalities can happen for all kinds of reasons.  The following data from the NHTSA Crash Report by State  can help us determine exactly what caused these fatalities so that we can hopefully avoid them in the future.

• Let’s take a look at when fatalities happen the most, how they happen, what causes them, and who is most likely to cause them.

• But first, what is the most dangerous road in North Dakota?

• US-2 in North Dakota passes the geographical center of the USA. According to Geotab.com, the highway has seen 86 fatal crashes in the last 10 years and is the most dangerous highway in North Dakota.

• To determine the most dangerous highway in each U.S. state, Geotab calculated a Fatal Crash Rate that is based on the annual number of road fatalities and fatal crashes according to the National Highway Traffic Safety Administration, adjusted for the average daily traffic counts provided by the Federal Highway Administration.

• The fatal crash rate in North Dakota is 0.7.

• Does the weather condition or light condition play a role in fatal crashes in North Dakota?

• WEATHER CONDITIONDAYLIGHTDARK, BUT LIGHTEDDARKDAWN OR DUSKOTHER / UNKNOWNTOTAL Normal367277178 Rain003003 Snow/Sleet501107 Other101013 Unknown1151614 TOTAL4383798105

• Surprisingly, most accidents occur in normal, daylight hours.

• Here is a list of fatal crashes by county from 2013 – 2017. Find your county in the table below.

• CountyFatalities 20132014201520162017Fatalities Per 100,000 Population 20132014201520162017 Adams County1010241.81041.79086.28 Barnes County6332354.0327.1127.2218.327.95 Benson County04231058.1329.3543.7914.42 Billings County20010221.9800104.930 Bottineau County1112414.8514.9714.8630.461.26 Bowman County1020031.1060.9800 Burke County32021130.1588.46089.8146.93 Burleigh County2410642.264.4110.736.354.21 Cass County266581.233.63.512.864.5 Cavalier County03111078.0426.2126.2526.58 Dickey County1003019.250060.060 Divide County30030128.9800125.580 Dunn County4631396.76137.2165.5522.8769.95 Eddy County01000042.94000 Emmons County02200058.4858.7400 Foster County0000000000 Golden Valley County1002054.7900107.470 Grand Forks County536177.244.38.531.429.89 Grant County2101183.6142.12041.7442.09 Griggs County00030000132.630 Hettinger County1000037.860000 Kidder County1102040.940.85081.20 Lamoure County2201248.7948.85024.3148.94 Logan County0000000000 Mchenry County1403216.9266.9050.133.9 Mcintosh County0000000000 Mckenzie County232318810247.98209.4140.6863.4178.59 Mclean County1266410.5720.9462.0562.0841.3 Mercer County2004223.290046.3123.63 Morton County3269110.376.7219.8729.43.25 Mountrail County7558874.8951.1948.5178.0977.93 Nelson County2501165.45165.4034.4734.05 Oliver County01100053.5953.6800 Pembina County4210056.3528.2614.2100 Pierce County1132122.6322.9370.2647.4724.4 Ramsey County2312117.2825.838.5917.378.68 Ransom County2102136.418.38037.2218.88 Renville County0001000039.640 Richland County2324412.2818.3312.2624.4824.46 Rolette County4316927.2620.376.8140.9161.94 Sargent County02102050.9825.87051.84 Sheridan County001000076.3400 Sioux County2032145.09068.5944.8922.85 Slope County11003129.87128.3700389.11 Stark County6763621.1823.0718.849.7219.86 Steele County01001052.30052.16 Stutsman County217329.484.7433.3314.289.48 Towner County002010088.93044.39 Traill County1800112.2299.50012.48 Walsh County104349.02036.7927.6236.85 Ward County18986626.4812.9311.28.558.7 Wells County00001000024.86 Williams County2512181684.4637.3550.992.9217.99

• Most fatal crashes happen in rural environments because it usually takes longer for an EMS response team to reach a crash site in a rural area.

• Area2008200920102011201220132014201520162017 Rural9213593132146138116122106103 Urban1251216241019979

• In fact, fatal crashes happen at least 10 more times in rural areas than they do in urban areas in North Dakota.

• Does person type or vehicle type impact the fatal crash rate in North Dakota?

• PERSON TYPE20132014201520162017 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

• Did the crash type have anything to do with the fatal crash rate in North Dakota? See the table below.

• 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

• According to the NHTSA, single-vehicle crashes and crashes involving a roadway departure were the most likely to end in a fatality.

• Here’s a list of the five-year fatality trend for the top 10 largest counties in North Dakota.

• RANKNORTH DAKOTA COUNTY20132014201520162017 1Mckenzie County232318810 2Rolette County43169 3Cass County26658 4Mountrail County75588 5Grand Forks County53617 6Stark County67636 7Ward County189866 8Williams County25121816 9Bottineau County11124 10Burleigh County241064 Sub Total 1.*Top Ten Counties10285916268 Sub Total 2.**All Other Counties4650405147 TotalAll Counties148135131113115

• Speeding is another major culprit for traffic fatalities in North Dakota.

• CountyFatalities 20132014201520162017Fatalities Per 100,000 Population 20132014201520162017 Adams County0000000000 Barnes County0120009.0418.1400 Benson County001000014.6700 Billings County10000110.990000 Bottineau County00001000015.31 Bowman County1000031.10000 Burke County1100043.3844.23000 Burleigh County0241102.214.291.061.05 Cass County131020.611.80.5901.12 Cavalier County00001000026.58 Dickey County0000000000 Divide County2000085.980000 Dunn County02110045.7421.8522.870 Eddy County01000042.94000 Emmons County01000029.24000 Foster County0000000000 Golden Valley County1001054.790053.730 Grand Forks County320114.342.8601.421.41 Grant County1001141.810041.7442.09 Griggs County0000000000 Hettinger County0000000000 Kidder County01000040.85000 Lamoure County2001048.790024.310 Logan County0000000000 Mchenry County01010016.73016.70 Mcintosh County0000000000 Mckenzie County6866464.6972.8346.8947.5631.44 Mclean County01612010.4762.0510.3520.65 Mercer County1001111.640011.5811.81 Morton County102303.4606.629.80 Mountrail County4341242.7930.7238.819.7619.48 Nelson County1300132.7299.240034.05 Oliver County001000053.6800 Pembina County3100042.2614.13000 Pierce County001000023.4200 Ramsey County120008.6417.22000 Ransom County1101018.218.38018.610 Renville County0001000039.640 Richland County112006.146.1112.2600 Rolette County2000113.630006.88 Sargent County0000000000 Sheridan County0000000000 Sioux County002010045.72022.85 Slope County010020128.3700259.4 Stark County4230114.126.599.4203.31 Steele County00001000052.16 Stutsman County100214.74009.524.74 Towner County0000000000 Traill County1500012.2262.19000 Walsh County00002000018.42 Ward County9432213.245.744.22.852.9 Wells County0000000000 Williams County10340033.789.3411.3300

• Driving drunk is extremely dangerous. In 2017, 46 people lost their lives because of alcohol-impaired driving.

• CountyFatalities 20132014201520162017Fatalities Per 100,000 Population 20132014201520162017 Adams County0000000000 Barnes County2111218.019.049.079.1518.63 Benson County01130014.5314.6743.790 Billings County0000000000 Bottineau County01121014.9714.8630.415.31 Bowman County0000000000 Burke County30001130.1500046.93 Burleigh County0113201.11.073.182.1 Cass County0323301.81.171.721.69 Cavalier County02101052.0326.21026.58 Dickey County0002000040.040 Divide County2000085.980000 Dunn County2311248.3868.621.8522.8746.63 Eddy County01000042.94000 Emmons County01100029.2429.3700 Foster County0000000000 Golden Valley County0001000053.730 Grand Forks County202022.902.8402.83 Grant County1000041.810000 Griggs County0002000088.420 Hettinger County0000000000 Kidder County1001040.90040.60 Lamoure County2001148.790024.3124.47 Logan County0000000000 Mchenry County01010016.73016.70 Mcintosh County0000000000 Mckenzie County8972486.2581.9454.7115.8531.44 Mclean County01322010.4731.0320.6920.65 Mercer County1001211.640011.5823.63 Morton County0145003.3613.2516.330 Mountrail County2246321.420.4838.8158.5729.23 Nelson County1300032.7299.24000 Oliver County001000053.6800 Pembina County0000000000 Pierce County002010046.84024.4 Ramsey County2201017.2817.2208.690 Ransom County01010018.38018.610 Renville County0001000039.640 Richland County0120106.1112.2606.12 Rolette County111546.816.796.8134.0927.53 Sargent County01102025.4925.87051.84 Sheridan County001000076.3400 Sioux County2020145.09045.72022.85 Slope County0000000000 Stark County122143.536.596.283.2413.24 Steele County0000000000 Stutsman County211029.484.744.7609.48 Towner County002000088.9300 Traill County03001037.310012.48 Walsh County100219.020018.419.21 Ward County9323113.244.312.84.281.45 Wells County0000000000 Williams County17950157.4328.0114.1603

• Every time you participate in drunk driving, you risk your life as well as other people’s lives on the road.

• 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.

• Teenage driving is especially scary because young drivers don’t have a lot of experience behind the wheel.

• DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank 26147.4710

• North Dakota is the 1oth-most-dangerous state in the U.S. for teenage drinking and driving.

• According to Responsibility.org, in 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population.

• North Dakota has twice this many deaths — 2.4 per 100,000 population.

• After you’ve just been in an accident, it always feels like it takes forever for an emergency response team to get to you.

• Arriving seconds earlier than expected can mean the difference between life and death. Check out the EMS response times listed below.

• 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

• Usually, it takes an ambulance a longer amount of time to get to a crash site in a rural area than it does in an urban area.

•  Transportation

• As we’ve previously discussed, car insurance companies base a rate on a variety of things. But did you know commute time, transportation choice, and car ownership can affect your rate?

• How many cars does the average household own in North Dakota?

• The following chart displays the households in North Dakota distributed between a series of car ownership compared to the national average. The largest share of households in North Dakota has two cars, followed by three cars.

•  

• The orange bars represent North Dakota’s average, while the gray bars show the national average.

• Using averages, employees in North Dakota have a shorter commute time (15.8 minutes) than the normal US worker (25.5 minutes). Additionally, 1.49 percent of the workforce in North Dakota have “super commutes” in excess of 90 minutes.

•  

• In 2017, the most common method of travel for workers in North Dakota was Drove Alone (81.6 percent), followed by those who Carpooled (8.18 percent) and those who Worked At Home (4.63 percent).

•  

• Good news for North Dakota drivers! According to Inrix, North Dakota doesn’t have any cities on the most traffic-congested cities in America list.

• Well, that’s all she wrote, folks!

• Hopefully, you’ve learned all you need to know about North Dakota auto insurance. To begin saving money on your new insurance policy, enter your zip code in the box below to get started.

• Happy shopping.

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