Temporary Car Insurance in North Dakota: The Cheapest Options and What You Need to Know

Most major insurance companies in North Dakota don’t offer temporary car insurance that only lasts a few weeks or months. In general, the minimum policy is six months. If you need a shorter policy, MoneyGeek found different ways to get temporary car insurance for car owners and drivers who don’t own a car.

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Last Updated: 8/15/2022
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If you own a car and need temporary car insurance, you can buy a policy and cancel it early to get a refund for the unused term. Using this strategy to create a three-month policy in North Dakota costs an average of $186.

For car-owners visiting North Dakota or drivers who don’t have a car but need to drive, purchasing rental car insurance might be the best choice.

MoneyGeek also assessed various scenarios where drivers may need temporary car insurance, like if you work as a rideshare driver or if you buy non-owner insurance for license reinstatement.

Can You Get Temporary Car Insurance in North Dakota

There are different ways to get temporary car insurance in North Dakota and other states since it can mean different things in different places. Drivers who own a car could get a full car insurance policy and cancel it early. Alternately, drivers who don’t own a car may opt to get rental car insurance or non-owner car insurance.

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HOW TO FIND TEMPORARY CAR INSURANCE IN NORTH DAKOTA TO FIT YOUR NEEDS

Since there is no single way to get temporary car insurance, MoneyGeek looked into the different ways you can obtain short-term car insurance in North Dakota depending on your situation.

Buying a Six-Month North Dakota Insurance Policy and Canceling It Early

Reputable car insurance companies in North Dakota and elsewhere don’t typically sell policies shorter than six months. A six-month policy in North Dakota costs an average of $371.

One option is to cancel your policy early since major insurance companies usually refund your premium for the remaining duration. If you do this, the majority of insurance companies will refund the premium for the unused term. A three-month policy in North Dakota costs an average of $186, which is half as much as the six-month policy.

MoneyGeek advises that if you use this strategy, don’t have a lapse in insurance coverage so you can avoid higher premiums later.

Cheap Temporary Car Insurance in North Dakota

MoneyGeek calculated the cost of temporary car insurance in North Dakota for the minimum six-month policy, as well as for a three-month and one-month policy.

On average, the cheapest temporary car insurance in North Dakota for a 90-day policy is:

  • Nodak Mutual: $123 per 90 days
  • GEICO: $139 per 90 days

Most major insurance companies typically provide full refunds for the unused term and don’t charge cancellation fees, so MoneyGeek’s calculation excludes these potential fees.

Annual Cost of Car Insurance in North Dakota by Policy Length

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Altering North Dakota Car Insurance Temporarily Depending on Your Needs

If you already have North Dakota car insurance but need to temporarily add or remove coverage, altering your existing policy might be the best option. Some of the most common questions drivers have about temporary car insurance in North Dakota involve what to do if you need to store your car, what happens if someone borrows your car or what to do if your teenager goes away to college.

When You Should Alter Your Policy Temporarily

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If you need to store your vehicle, consider removing everything but your comprehensive insurance. If you are a military member, you can take advantage of storage discounts from USAA.

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If you let someone else drive your car, only add them to your policy if they drive it regularly.

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If your child goes to school elsewhere in North Dakota, you can request a discount or remove them from your policy temporarily.

Cheap Temporary Car Insurance for Students in North Dakota

If your child lives with you in North Dakota, you have to add them to your car insurance policy. This can be expensive. MoneyGeek found that in North Dakota, it costs an average of $1,591 per year to add an 18-year-old to an existing policy.

You can adjust the cost of your car insurance by taking your teen off from your policy for a part of the year if they live more than 100 miles away, using discounts or keeping them on your policy.

MoneyGeek found that in North Dakota, the cost of adding a student to your policy for two months during the summer is $265 on average, compared to roughly $1,591 for the whole year.

Allstate offers the biggest savings in North Dakota for temporarily taking a student off a policy at approximately $1,521 per year.

Annual Cost of Adding an 18-Year-Old to Car Insurance in North Dakota

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  • Company
    Adding 18-year-old for two out of 12 months
    Adding an 18-year-old for the full year
    Difference
  • $1,414
    $236
    -$1,178
  • $1,503
    $250
    -$1,252
  • $1,526
    $254
    -$1,271
  • Allied
    $1,766
    $294
    -$1,471
  • $1,826
    $304
    -$1,521
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WHAT IF I CAN’T GET A DISCOUNT?

If your child attends a school in North Dakota that is less than 100 miles from your home, the best way to save money is to shop around for insurers. MoneyGeek compared the cheapest car insurance companies for teens to help you maximize your savings.

What to Do About Car Insurance if You’re Storing Your Car in North Dakota

If you want to save money when storing your car in North Dakota, you can either modify your car insurance policy to comprehensive-only or ask your insurer for a vehicle storage discount.

Altering your policy to comprehensive-only and removing liability insurance can help you save money while your car is in storage. Comprehensive and collision insurance with a $1,000 deductible costs an average of $362 per year in North Dakota. Alternately, a policy with comprehensive and collision plus minimum liability coverage costs roughly $722 per year.

USAA is a good option for military members on active duty. It offers discounted car storage rates and has one of the more affordable policies in the state even before the discount, at an average of $403 per year.

What to Do If You Let Someone Else Drive Your Car

If someone in your house drives your car regularly, they need to be insured on your policy. If you allow someone from outside your household to drive your car, they will automatically be covered by your existing policy without you having to adjust it.

Buying Rental Car Insurance in North Dakota

You don’t have to buy a car insurance policy if you’re temporarily renting a car in North Dakota since you can get insurance from the car rental company. Almost all car insurance companies offer basic liability insurance and the option to include collision damage waivers, supplemental liability insurance and personal accident insurance. Depending on the company, the average cost can be either $44 or $45 per day. To save on costs, you can pick and choose coverages based on what you need.

Finding Cheap Rental Car Insurance in North Dakota

MoneyGeek collected data in North Dakota from Fargo, where rental car insurance ranges from $44 to $45 per day based on the provider. On average, Avis costs $44, while Enterprise and Hertz both cost roughly $45 per day. These policies include supplemental liability, collision damage waiver and personal accident insurance.

If you have an auto insurance policy, your own liability, collision and medical payments coverage may already cover you. You might be able to get collision damage and waiver coverage from your credit card company. Both these options can save you money.

Cost per Day of Rental Car Insurance in North Dakota

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  • Rental Company
    Total Insurance Cost
    Supplemental Liability Cost
    Collision Damage Waiver Cost
    Personal Accident Insurance Cost
  • Enterprise
    $45
    $13
    $27
    $6
  • Avis
    $44
    $17
    $27
    $0
  • Hertz
    $45
    $15
    $24
    $6

Buying Non-Owner Car Insurance in North Dakota

Non-owner car insurance is an ideal option for drivers in North Dakota who don’t own a vehicle but temporarily need to file an SR-22 and proof of insurance coverage to reinstate their license. The average cost of non-owner car insurance in North Dakota is $264.

Non-owner insurance is also the cheapest way to get insurance for those who don’t have a car and need to file an SR-22 in North Dakota.

How to Get Temporary Rideshare Car Insurance for Rideshare in North Dakota

If you work for a rideshare company in North Dakota, you might know that once a passenger is transported or a fare is accepted, you are covered by insurance. Otherwise, you have a temporary gap in your insurance coverage.

While rideshare insurance policies are not available in all states, MoneyGeek listed companies that offer the best rideshare insurance so you can find the top option in North Dakota.

Frequently Asked Questions About Temporary Car Insurance in North Dakota

Since there are many different ways to get temporary car insurance in North Dakota, it is best to shop around and find the best option for your unique situation.

Methodology

MoneyGeek collected quotes for car insurance and non-owner car insurance in North Dakota in collaboration with Quadrant Information Services. The sample driver profile used is a 40-year-old male with a full coverage policy and a clean driving record. The sample student profile represents the average policy cost for adding an 18-year-old driver to an existing policy.

Both the one-month and three-month temporary car insurance rates were calculated by MoneyGeek on a prorated basis based on the assumption that the insurance company would provide a full refund. Rental car insurance costs in North Dakota were manually collected by MoneyGeek using the online tools of Avis, Enterprise and Hertz.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.