Temporary Auto Insurance in North Dakota

If you want insurance flexibility, you could be considering a temporary car insurance policy. Truth is, short-term auto insurance is rare for multiple reasons.

First, major insurance companies do not offer policy terms for fewer than six months. As car insurance is mandatory in most US states, swapping policies by the month can be risky. You also risk having holes in your record by swapping policies with frequency, resulting in higher premiums in the long run.

Good news: car insurance policies commonly run only six months. This quick turnaround allows insurance companies to “re-rate” — or recalculate — your costs based on your up-to-date driving profile and demographic info.

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The end of a policy period also provides a timely opportunity for you to reevaluate your situation and shopping other car insurers. Getting rates online is easy and complimentary, and there isn't necessarily a penalty for swapping insurers when your policy period ends — or even mid-policy, as long as your coverage doesn't lapse.

The flexible nature of car insurance makes it relatively easy to acquire with little notice. If you require a policy to take a car off of the lot, trying to find insurance for a long-term rental, or seeking coverage on a vehicle you don't own but drive more than occasionally, think about purchasing a policy and cutting the agreement short as needed.

Temporary car insurance in North Dakota

See below normal car insurance costs in North Dakota, ordered by popular auto insurance companies and cities. If you’re paying substantially more than the rates below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
North Dakota State Average — All Companies$615$103
Nodak Mutual$731$122
State Farm$620$103
American Family$826$138

The most budget-friendly option for single-month auto insurance in North Dakota is Allied, through which you can save $33 per month, compared to the next-cheapest company, Nodak Mutual. In North Dakota, the average per-month cost of car insurance is $103, or $615 over a biannual contract.

The place in which you live has as large an effect on your auto insurance premiums as your choice of insurance company. Auto insurance companies take into account the density and likelihood of a claim being filed when drafting prices by ZIP. View insurance premiums in North Dakota's most populous cities and compare the amount you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Grand Forks$539$90
West Fargo$510$85

If your costs exceed those listed above, take some time to compare rates. The short-term duration of an auto insurance policy increases the importance of staying informed and willing to shop.

Find out more about temporary car insurance or use The Zebra to compare rates today.

Additional resources

Check out the best auto insurance options for teen drivers.

Get affordable car insurance for new drivers.

Find out more about pleasure use car insurance.

Can you find affordable car insurance with no credit history?

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.