Car Insurance in Williston, ND
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Driving in Williston
Williston may be a relatively small town with a population of about 27,000. but it has seen incredible growth since 2000, thanks to an oil boom. With this growth comes an increased risk of car accidents since more people are on the roads.
The average household in the city owns two cars. Williston does not have fixed-route public transit but does offer on-demand transportation options for senior citizens. Many residents use their vehicles for everyday tasks, commutes and adventures.
Eight months offer snowfall, with an average of 9.6 inches in December. Unfortunately, about four people in Williston are involved in fatal car accidents per year. Safe driving techniques help protect yourself and others immensely, and car insurance in Williston, ND, is also helpful. VIU by HUB lets you compare rates to find the right coverage for your budget and needs.
The Requirements for Auto Insurance in North Dakota
Drivers must meet many auto insurance requirements in North Dakota. For example, you must have personal injury protection coverage of at least $30,000. It is also called medical payments and generally covers issues from a car accident such as medical expenses, lost income, rehab costs, house cleaning or child care replacement services and funeral expenses.
You also need 25/50/25 liability and 25/50 uninsured/underinsured motorist coverage. Liability insurance applies to accidents you cause, while uninsured/underinsured motorist coverage can help in a hit-or-run or with a driver who does not have insurance or who has inadequate insurance for your needs.
- You must have $25,000 minimum liability and uninsured motorist coverage for bodily injury or death for one person per accident (two separate coverages).
- You need $50,000 minimum liability and uninsured motorist coverage for multiple people's injuries per accident (two separate coverages).
- The state also requires $25,000 in liability insurance for property damage or destruction.
Your assets could be at risk if you're at fault in a car accident, so many people raise their liability coverage to an amount equal to their assets' value. Insurers usually offer higher limits for medical payments and uninsured/underinsured motorist coverage, too. More robust coverage adds more protection and peace of mind.
Two Other Common Types of Insurance
Comprehensive and collision coverage are common when people get car insurance in Williston, ND. The policies can help with repairs to your car or replacements.
If you have a car loan, your lender probably requires both types of insurance. They can also be a good idea if your vehicle is expensive or if you want more protection or peace of mind in case of car collisions and collisions with trees, fences or objects (collision insurance) or in case of animal impact, theft, fire and some other situations (comprehensive).
Costs for Car Insurance in Williston, ND
Auto insurance costs an average of $125 a month or $1,499 a year in Williston. You might pay less depending on your car make and model and if you have a clean driving record. Younger drivers tend to pay more than older drivers do, and insurers consider factors such as your gender, marital status and credit score.
One of the best ways to save money is to compare rates from multiple insurers. This is because each company follows a different formula for calculating risks and rates. For example, one driver can get three very different rates from three insurers. Use VIU by HUB to easily review multiple quotes for car insurance in Williston, ND. Simply input your information and quickly receive rate comparisons for various policies across several insurers. Then you can choose the most appropriate and affordable insurance.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Sources
Williston Council for the Aging