Saving on Insurance Costs
When you’re ready to hit the road, you’ll need auto insurance coverage. North Dakota requires all licensed drivers to get auto insurance, which will help pay for injuries and damage if you’re in a crash.
Saving Money on Car Insurance
Risk of a crash is significantly higher for teen drivers, particularly during the first year of driving. So, their auto insurance rates usually cost more. Here are a few ways you can help your family save some money.
- Keep your grades up. Most auto insurers offer lower auto insurance rates for students with a “B” or higher grade average.
- Investigate discounts. Many insurers also offer discounts for teen drivers who complete driver’s education or defensive driving courses.
- Drive carefully! Avoid crashes and tickets, which can cause a teen driver’s auto insurance rates to jump. Plus, it’s the safe thing to do.
- Don’t get your own car yet. If you won’t be the main driver for any of your family’s vehicles and can be classified as an occasional driver of one car, you could save your family hundreds of dollars.
- If you need a car, get a sensible one. Many experts agree that mid-sized sedans are the safest choice for teen drivers, and the cars often have the lowest auto insurance rates, too.
- Partner with your parents. Using a Parent-Teen Driving Agreement could help you avoid a crash or ticket that would increase your rates.
Car Insurance Requirements in North Dakota
All North Dakota drivers are required to have liability insurance at these minimum levels:
- $30,000 in coverage for Personal Injury Protection.
- Auto liability insurance of $25,000 for injuries to one person, $50,000 for injuries to two or more people, and $25,000 for property damage (25/50/25).
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash.
- Underinsured motorist coverage of $25,000 per person and $50,000 per crash.
Car insurance companies in North Dakota determine rates based on factors such as your driving record, how long you’ve been a licensed driver, how much you drive, where you live and what you drive.
Learn more about car insurance available through AAA.