9 Best North Dakota Local Car Insurance Agencies | Expertise.com (2024)

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Our Recommended Top 9 We did the research for you! Providers Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Why choose this provider? Compare our Top Local Car Insurance Agencies FAQs Introduction What is car insurance? How does car insurance work? What does car insurance cover? Does car insurance cover theft? How does a car insurance deductible work? Do you need insurance to register a car? Can you get car insurance without a license? Do you need car insurance? How much is car insurance a month? Why is my car insurance so high? How can I get lower car insurance? Do you need insurance to rent a car? Does my car insurance cover rental cars? Can I insure a car not in my name? Can you cancel car insurance at any time? How can I change car insurance? How do you become a car insurance agent? How do car insurance agents get paid? How much do car insurance agents make? Related Articles Cheap Car Insurance in February 2023 Progressive Car Insurance Review [2024] How To Get Car Insurance Study: 62% of Americans May Be Missing Out on Car Insurance Savings Nationwide Car Insurance Review [2024] Average Cost of Car Insurance in 2023 State Farm Car Insurance Review [2024] What Does Car Insurance Cost if You Have Bad Credit? Find top Local Car Insurance Agencies nearby Other top picks in your area FAQs

9 Best North Dakota Local Car Insurance Agencies | Expertise.com (1)

2024

9 Best North Dakota Local Car Insurance Agencies | Expertise.com (2)

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  • 9 Best North Dakota Local Car Insurance Agencies | Expertise.com (3)Licensing
  • 9 Best North Dakota Local Car Insurance Agencies | Expertise.com (4)User Reviews
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Our goal is to connect people with the best local professionals. We scored North Dakota Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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Providers

9 Best North Dakota Local Car Insurance Agencies | Expertise.com (6)

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Featured Provider

Fargo

Expertise.com Rating

Why choose this provider?

Far North Insurance, Inc., provides one of the best risk management solutions to individuals and families in North Dakota. Its personal insurance products include car plans, which include collision, comprehensive, liability, and medical coverages to protect vehicle drivers from financial losses caused by accidents and theft. It also handles emergency road services. In addition, its agents write policies for boats and RVs. Far North Insurance represents multiple carriers, such as CNA Surety, Dairyland, Foremost, Progressive, and Hagerty.

Fargo

Why choose this provider?

Fargo Moorhead Insurance is an independent agency that has been protecting the people of North Dakota since 1972. The firm handles both personal and business types of insurance, including auto policies. Its agents assist in finding the best auto insurance rates for different types of vehicles, such as automobiles, motorcycles, RVs, trailers, classic cars, and snowmobiles. They also search through the agency�s network of carriers to find protection solutions for life, health, homes, businesses, and farms.

Fargo

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Why choose this provider?

Todd Vanyo is an insurance agent who operates a State Farm office serving families, individuals, and business owners in North Dakota. His agency offers various financial risk protection solutions, including auto, home, life, and business insurance. Its car insurance protects policyholders and their vehicles against losses or damages caused by unwanted incidents. Vanyo, who has been in the industry since 2007, also supports local causes. He joins fundraising events that give back to the members of the community.

Fargo

Expertise.com Rating

Why choose this provider?

Superior Insurance Agency - Fargo is an independently owned company serving North Dakota. It offers a wide range of auto insurance coverage options including liability, rental reimbursement, accident forgiveness, diminishing deductible, roadside assistance, and personal injury protection. Bringing more than 50 years of combined experience in the field, its team of professionals partners with different insurance carriers to provide customizable solutions, such as ASI, Genworth, and Nationwide. The agency also features a combined coverage option for home and auto policies.

West Fargo

Expertise.com Rating

Why choose this provider?

Great North Insurance Services caters to clients across North Dakota. The independent and locally owned agency offers a wide range of insurance products. It provides auto insurance plans, assisting clients in selecting the best coverage suited to their specific needs. Its team also educates clients in making informed decisions.The independent agency is partnered with multiple carriers to provide clients with options that fit their needs. The company also holds licenses in 26 states.

Fargo

Expertise.com Rating

Why choose this provider?

RJ Bailey Insurance Center is an agency that has been serving North Dakota since 2009. It offers a wide range the best personal and commercial auto insurance coverage options including collision, comprehensive, and liability. Coverages are also available for vehicles that were hired or are not owned by a business and the personal car that an employee uses. The agency's owner, Cory Theuninck, is a member of the National Association of Insurance and Financial Advisors (NAIFA) who has completed Safeco's Agent Development Program.

Fargo

Expertise.com Rating

Why choose this provider?

Heritage Insurance Services is a family-owned and family-operated company that serves individuals, families, and businesses across North Dakota. The agency has 12 locations around the state, offering auto insurance policies from a network of insurance carriers that provide collision and comprehensive coverage. It also provides protection against uninsured or underinsured motorists in case of accidents. Optional coverages for bodily injury and property damage may also be arranged by its agents. The agency also extends its services to clients in South Dakota, Minnesota, and Arizona.

Fargo

Expertise.com Rating

Why choose this provider?

Hektner-Lybeck-Erickson Insurance is a locally owned and operated insurance agency that has been serving individuals, families, and business owners in North Dakota for more than 80 years. Its longevity in the financial sector allows it to offer the best insurance options that cater to clients' personal and commercial needs. Its team of agents provides auto insurance that covers the owner�s assets and belongings when accidents occur. It also offers life, home, business, and farm insurance products.

Fargo

Expertise.com Rating

Why choose this provider?

Serving North Dakota, Yahnke Insurance Agency offers some of the best services to clients seeking protection plans. One of its products is auto insurance. Its car insurance policies take care of damages done to the vehicle, medical expenses for the policyholder and passengers, and liability coverage for injuries caused to other people or their property. Insurance for homeowners, contractors, commercial, and agribusiness is also available. It represents different insurance carriers, allowing its agents to help clients find the coverage suitable for their needs.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Far North Insurance, Inc.3357 39th Street South, Fargo, ND58104

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Fargo Moorhead Insurance428 25th Street South, Fargo, ND58103

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Todd Vanyo4675 40th Avenue South, Fargo, ND58104

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Superior Insurance Agency - Fargo1002 28th Street South, Fargo, ND58103

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Great North Insurance3220 4th Street East, West Fargo, ND58078

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RJ Bailey Insurance Center3611 Lincoln Street South, Fargo, ND58104

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Heritage Insurance Services - Fargo3441 45th Street South, Fargo, ND58104

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Hektner-Lybeck-Erickson Insurance3345 39th Street South, Fargo, ND58104

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Yahnke Insurance Agency1704 Main Avenue, Fargo, ND58103

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FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

  • Can you get car insurance without a license?

    In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

  • Do you need car insurance?

    Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

  • How much is car insurance a month?

    Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

  • Why is my car insurance so high?

    Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

  • How can I get lower car insurance?

    Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

  • Do you need insurance to rent a car?

    In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

  • Does my car insurance cover rental cars?

    Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

  • Can I insure a car not in my name?

    In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

  • Can you cancel car insurance at any time?

    In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

  • How can I change car insurance?

    Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

  • How do you become a car insurance agent?

    In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

  • How do car insurance agents get paid?

    Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

  • How much do car insurance agents make?

    Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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9 Best North Dakota Local Car Insurance Agencies | Expertise.com (2024)

FAQs

What is the minimum auto insurance in North Dakota? ›

North Dakota state law requires that all motor vehicles registered and operated in the state carry certain minimum insurance coverages: Bodily injury liability - $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident).

What is the best auto insurance setting? ›

You should carry the highest amount of liability coverage you can afford, with 100/300/100 being the best coverage level for most drivers. You may need to carry additional coverages to protect your vehicle, including comprehensive, collision and gap coverage.

What is the penalty for driving without insurance in North Dakota? ›

Penalties for driving uninsured in North Dakota
Type of penaltyFirst offenseNext offenses within 1 year
Fine$150 to $1,000$300 to $1,500
ImprisonmentN/A30 days
License suspensionSuspended until proof of insurance is shownSuspended until proof of insurance is shown
License platesN/ARemoval of plates
3 more rows
May 30, 2024

What are the 4 types of insurance required by the state of North Dakota? ›

North Dakota Auto Insurance Requirements

Property damage: $25,000 per accident. Uninsured motorist: $25,000 per person and $50,000 per accident. Underinsured motorist: $25,000 per person and $50,000 per accident. Basic personal injury protection: $150 per week with a $30,000 maximum.

Who typically has the cheapest car insurance? ›

Cheapest Car Insurance Company
Cheapest Car Insurance CompanyAverage Monthly Minumum Coverage RateAverage Monthly Full Coverage Rate
1. USAA$39$145
2. Central Insurance$36$156
3. Travelers$58$141
4. Auto-Owners$42$158
6 more rows
Sep 4, 2024

Who is the most trusted insurance company? ›

Best Car Insurance Companies of September 2024
  • Nationwide: Best Overall.
  • USAA: Best for Military Members and Veterans.
  • Travelers: Great for Drivers With a Speeding Ticket.
  • Erie: Best for drivers who caused an accident.
  • Progressive: Best for Drivers With a DUI.
  • Geico: Great for Drivers With Poor Credit.
Sep 1, 2024

How much is car insurance in North Dakota? ›

Full coverage in North Dakota costs an average of $1,572 per year, or $131 per month. If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in North Dakota is $367 per year, or $31 per month.

What is the total loss threshold in North Dakota? ›

A car is considered a total loss in North Dakota when the cost of repairs plus the salvage value is at least 75% of the vehicle's actual cash value.

What is the minimum amount of insurance most states require drivers to have? ›

Most states require minimum car insurance with liability coverage for at least $25,000 in injuries per person and $50,000 per accident.

Is North Dakota a no-fault state for car accidents? ›

North Dakota is a "no-fault" car insurance state, which means your own insurance will cover certain losses when you're injured in a car accident, (at least initially) regardless of who caused the crash.

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