Car Insurance in Mandan
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Driving in Mandan
Mandan, on the banks of the Missouri River and adjacent to larger Bismarck, has a population of about 24,500 people. Life here can be fun for outdoor enthusiasts, with fishing, hunting and hiking being popular activities. The proximity to Bismarck adds more drivers to the equation when you are getting around the area, and having reliable car insurance is important.
Capital Area Transit offers six bus routes in Mandan and Bismarck but does not run on Sundays. The hours the rest of the week are limited, and many Mandan residents enjoy the additional freedom their vehicles offer. The average household in the city has two cars. with residents using their vehicles to shop, go to work, run errands and explore North Dakota and areas beyond.
One issue for some motorists in Mandan is the weather. March averages 8.5 inches of snow. and snow during six other months of the year can cause driving difficulties. Of course, accidents are possible even if the weather is good. You can use VIU by HUB to easily compare rates for car insurance in Mandan and enjoy peace of mind.
Insurance Requirements in North Dakota
North Dakota has six types of required insurance, with a few other types that are optional. The mandates start with 25/50/25 liability coverage.
- $25,000 bodily injury coverage for one person's injuries you cause in an at-fault accident.
- $50,000 bodily injury coverage for all injuries if you hurt more than one person in an accident.
- $25,000 for property damage or destruction you cause per accident.
- $25,000 bodily injury coverage for one person for injuries caused by uninsured and underinsured drivers and hit-and-run drivers.
- $50,000 for bodily injury coverage for multiple people's injuries that uninsured, underinsured and hit-and-run drivers cause.
Also required is personal injury protection, also called medical payments. You must have a minimum of $30,000 in coverage. It can help with medical costs, lost income and other issues stemming from an accident, regardless of fault.
Many drivers get higher coverage limits than the required minimums. For example, 100/300/100 liability coverage gives you more protection than 25/50/25, which is important if you own a house or have significant assets. It is a good idea to have liability insurance roughly equal to your assets so they are as protected as possible.
You may want higher PIP and uninsured/underinsured motorist coverage, too. It offers more peace of mind if you are concerned about possible injuries or income loss.
Optional Insurance in North Dakota
If you're financing your car, you probably must have collision and comprehensive car insurance in Mandan. Lenders typically require you to have these types, which help with your own car repairs or replacements. If you're worried about upside-down on your loan, gap coverage could be a good idea. There are policies for roadside assistance and rental car reimbursement as well.
The Average Cost of Car Insurance in Mandan
On average, Mandan drivers pay $118 a month or $1,411 a year for auto insurance. These rates are middle-of-the-road for North Dakota.
You could pay more or less, depending on your car's make and model, your driving history, and other factors such as your age, location, gender, marital status and credit score. Insurers also consider the same type of information for other covered drivers in your household.
However, each insurer uses different formulas to calculate rates. The same driver can get dramatically different rates from different companies. Use VIU by HUB's easy tool to compare rates from various insurance companies and save on car insurance in Mandan.
This information is intended for general informational purposes only and is not intended to constitute legal advice.