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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.

Insurance Company Average 6-Month Rate Average 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.

City Average 6-Month Rate Average 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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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 editorial 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.