Introduction:

Do you live in North Dakota? If so, you may be looking to get the best possible price on your car insurance policy. There are many insurers out there who are competing for your business, so getting cheap car insurance is not as hard as it looks. You can get free online quotes, compare prices between a couple different providers and find the one which provides the coverage that you need at a price you can afford.

Info on North Dakota car insurance rates:

During the year 2008, the average premium that motorists paid for their car insurance was $562.45. This was a change of 4.80 when compared to the previous year, where rates were at an average of $536.70. In 2008, the average price for liability coverage was $257.59, collision was averaged at $213.72 and comprehensive coverage $259.82. There were 50 states that had higher premiums on average, making North Dakota the least expensive state for car insurance. In the year 2000, premiums were averaged at $477.28 and $497.79. Even back in 2000, North Dakota was the state with the lowest car insurance premiums in the whole country.

Factors which affect the costs of car insurance in North Dakota:

While insurance companies take many factors into account when determining insurance rates, such as the make and model of the vehicle being insured, its value, the age and driving history of the driver, previous claims that the driver made, etc. they also take into consideration regulations that are in force in the state where the driver resides.

• City speed limit: 70 mph
• Highway speed limit: 75 mph
• Max. blood alcohol content: 0.08%
• Law on open alcohol container: All passengers and the driver are prohibited from having open alcohol containers in the car.
• Hand held cell phone ban: None is in effect currently in the state of North Dakota.
• License suspension period in case of DUI: License is suspended for 91 days after a DUI or DWI offense.
• Availability of restoration after DUI conviction: Under certain conditions, the license may be restored after 30 days.

Quick look at North Dakota auto insurance premiums:

• 2008 - Average premium: $562.45
• 2007 - Average premium: $536.70
• 2007 - 2008 percentage of change: 4.80%
• 2008 - Collision cost: $213.72
• 2008 - Liability cost: $257.59
• 2008 - Comprehensive insurance cost: $259.82
• 2008 - Premium rank: 50th