Temporary Auto Insurance in North Dakota

Explore pros and cons of purchasing a short-term car insurance policy in the Peace Garden State.

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If you're looking for flexible car insurance, you might want to try a temporary auto insurance policy. Truth is, short-term car insurance agreements are rare for several reasons.

Many major insurers do not draw up contract terms for less than six months. As car insurance is mandated by law in most US states, swapping policies often can be risky. You also run the risk of creating gaps in your insurance history by swapping policies frequently, leading to more expensive rates in the future.

There's some good news: car insurance contracts typically run just six months. This relatively brief duration allows insurers to frequently “re-rate” — or re-price — your bill considering your recent driving history and demographic info.

The end of a policy period also provides the perfect opportunity to improve your insurance situation by getting quotes from other companies. Finding quotes on the Internet is quick, and there’s no penalty for changing insurance companies between policy terms — or in the middle of your policy term, assuming you never let your insurance lapse.

The short-term nature of auto insurance makes it relatively easy to buy on short notice. If you require an insurance policy before you can drive a new car off the lot, attempting to get insurance for a longer-term auto rental or searching for coverage on a car you don't own but drive often, think about purchasing a policy and ending the term as needed.

 

Temporary car insurance in North Dakota

See below typical car insurance costs in North Dakota, ordered by major car insurance companies and cities. If you’re paying substantially more than the rates listed below, consider shopping around.

 
SHORT-TERM CAR INSURANCE RATES IN NORTH DAKOTA — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
North Dakota State Average — All Companies$689$115
USAA$489$81
Allied$558$93
State Farm$634$106
North Star$699$116
Nodak Mutual$837$139
 

The most affordable option for short-term auto insurance in North Dakota is USAA, which can save you $12 per month, compared to the next-best option, Allied. In North Dakota, the average monthly cost of auto insurance is $115, or $689 over a six-month period.

Where you live has as great an influence on your car insurance rates as the insurance company you choose. Auto insurance companies consider the density and likelihood of a claim being filed when assigning prices by ZIP. See below insurance premiums in the biggest cities in North Dakota and compare them to the amount you pay.

 
SHORT-TERM AUTO INSURANCE RATES IN NORTH DAKOTA — BY CITY
CityAverage 6-Month RateAverage Monthly Rate
Fargo$619$103
Bismarck$693$115
Grand Forks$608$101
Minot$682$116
West Fargo$594$99
 

Because of the myriad factors involved in setting insurance rates, your quotes may not match the totals displayed above. If your current costs don’t align with those listed above, consider taking a moment to compare quotes. The short-term nature of a car insurance contract increases the importance of staying informed and ready to shop.

Find out more about temporary car insurance or use The Zebra to compare quotes for free today.

 

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Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.