Temporary Auto Insurance in North Dakota

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

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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 CompanyAverage 6-Month RateAverage Monthly Rate
North Dakota State Average — All Companies$689$115
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.

CityAverage 6-Month RateAverage Monthly Rate
Grand Forks$608$101
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.


Related content


Compare car insurance rates for free online.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Ava Lynch
Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.