North Dakota Commercial Auto Insurance: Quotes From $30/mo

It might surprise you that the annual average daily traffic in North Dakota in several areas was 15,000 or greater in 2020. If your business uses vehicles in its operations, the likelihood of vehicle accidents should concern you. Vehicle accidents can lead to expensive lawsuits, repair bills, and lost time at work, which can be challenging to recover from. This article will examine commercial auto insurance, which can help you mitigate those risks.

What is Commercial Auto Insurance?

Commercial auto insurance is a policy that protects your business against expected losses from operating vehicles. This policy can help you pay for the following: 

  • legal claims for lawsuits

  • damage to vehicles

  • medical treatments for people injured in accidents

Auto Accident Statistics in North Dakota

The chart below highlights some key statistics for auto accidents in North Dakota. The data from this chart is from 2021 and comes from the state website for North Dakota.

Total vehicle crashes9,500
Total vehicle fatalities101
Total vehicle injuries3,947
North Dakota fatality rate1.09

During this time in North Dakota, a vehicle accident occurred once every 55 minutes. Also, a person was injured in a vehicle crash every two hours. The stats indicate that someone died in a vehicle accident every four days on average in 2021.

Components of North Dakota Commercial Auto Insurance

Commercial auto insurance North Dakota comprises several standard components that many policies will share. The sections below will describe these standard components.

Auto Liability Coverage

Auto liability insurance covers bodily injury and property damage that occurs from the actions of your vehicle. Your auto liability policy will pay the party you have injured for medical expenses, vehicle damage, and other property damage.

Collision Coverage

Your policy’s collision coverage is responsible for paying for vehicle damage that results from colliding with road objects. Typically you use this coverage for collisions with other vehicles. However, this policy can also cover objects like mailboxes, traffic lights, and other items on the road. This policy will also cover damage to your vehicle if it gets flipped over on the road.

Comprehensive Coverage

Your comprehensive coverage will protect your business's vehicles from causes other than road accidents. Standard events covered include:

  • Fire

  • Theft

  • Hitting an animal

  • Weather

  • Falling objects

No-fault Coverage

This policy will cover medical bills, funeral costs, and lost wages to your injured drivers or passengers. As its name suggests, it will provide coverage no matter who is at fault for the accident. Some insurers will call this policy personal injury protection (PIP). North Dakota will require drivers to have this insurance as part of their commercial auto insurance policy.

Uninsured Motorist Coverage

If another motorist has insufficient insurance, your uninsured motorist coverage will help pay for medical bills for you and your passengers. This can happen if you are the victim of a hit-and-run. Sometimes people drive without insurance, initially leaving you stuck with the bill. Typically uninsured motorist insurance covers medical expenses, but sometimes it also covers property damage.

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Add-Ons to North Dakota Commercial Auto Insurance

Below are a few additional policies you can include in your North Dakota commercial auto insurance.

Gap Coverage

A policy with gap coverage will assist you with financed vehicles. Sometimes, you may owe more on your car loan than your insurance company will pay you for your vehicle. Gap coverage will help make up the difference, so you aren’t stuck paying for a totaled car.

Roadside Assistance

You can use roadside assistance coverage to pay for times when your vehicle is stuck on the road. This policy will help you pay for towing costs, battery jumps, flat tires, and more. Many policies will only allow you to tow your vehicle in specific circumstances. Roadside assistance can alleviate the burden of towing your vehicle to a repair shop.

Rental Reimbursement

Your rental reimbursement coverage pays for the costs of renting a vehicle. You may need to rent a vehicle when one of your vehicles is out of commission. This can happen if a vehicle is totaled and needs to be replaced. It can also happen if a vehicle needs an extended stay in a repair shop.

Windshield Repair

A windshield repair policy is focused entirely on your vehicle’s windshield. Windshield damage can be costly to fix and can start with just a crack. This policy will save you money should an unfortunate incident cause your windshield to break. Unlike other vehicle damage types, a windshield cannot be ignored. You may not be able to see out of your vehicle with a damaged windshield.

New Vehicle Replacement

This coverage can be tremendously helpful if you have just purchased a new vehicle. New vehicle replacement coverage will pay for replacing a new vehicle quickly after you purchase it. The typical timeframe is within a few years of the time of purchase. It can be beneficial because new vehicles depreciate quickly. If you get unlucky, you may be left with a considerable cost to replace a vehicle without this coverage.

An office worker performing work in their vehicle

North Dakota Commercial Auto Insurance Requirements

Commercial auto insurance North Dakota has specific legal requirements for insurance policies to be considered satisfactory. The following sections will describe these requirements.

Auto Liability Coverage

North Dakota requires 25/50/25 auto liability coverage. This number describes the amount of bodily injury and property damage coverage required.

Bodily injury per personBodily injury per accidentProperty damage per accident

Uninsured Motorist Coverage

Your North Dakota commercial auto insurance must also have uninsured motorist protection. The minimum limits are $25,000 per person and $50,000 per accident for bodily injury claims. There is no requirement for physical property damage.

Exclusions of Commercial Auto Insurance

After seeing so many coverage components, you may have the idea that commercial auto insurance covers everything. This is not the case. Commercial auto insurance does not cover every risk and peril you may face. Some events that are often excluded from these policies include:

  • Workplace injuries: If an employee is harmed not through a vehicle collision or accident, their injury is usually excluded. Employee workplace injuries need to be covered by a workers' compensation policy.

  • War or rebellion: Commercial auto insurance will not cover damages from catastrophic events like war.

  • Expected acts: If a specific vehicle action results in a likely damaging outcome, your commercial auto insurance will not include this act. These can be acts where someone intends to harm the vehicle. A typical example of this is drag racing.

  • Pollution and hazardous materials: Commercial auto policies exclude events like transporting hazardous materials and cleaning up pollution spills by default. You must purchase a separate policy like pollution insurance or use a pollution liability add-on.

What Penalties May I Face If My Commercial Auto Insurance Policy Doesn’t Comply With the Law in North Dakota?

North Dakota’s website clearly states the penalties you might face if you do not comply with insurance requirements. These include:

  • Mandatory fine of $150 or more.

  • Suspension of driver's license.

  • File an SR-22 form that demonstrates future proof of your financial responsibility.

Can I Get A Personal Vehicle I Own Insured By Commercial Auto Insurance?

Yes. Commercial auto insurance typically requires the business to own the vehicle you cover. However, through hired and non-owned coverage, you can get a personal vehicle not owned by the business covered. You can purchase this coverage together or separately from commercial auto insurance.

Is North Dakota a No-fault state?

Yes. North Dakota is a no-fault state. This means that the person who initially pays the damages for auto accidents is the person injured. North Dakota requires its drivers to carry no-fault or personal injury protection insurance. 

No-fault states prevent lawsuits against another driver for bodily injuries except for specific circumstances of severe injuries.

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North Dakota Commercial Auto Insurance Cost

North Dakota commercial auto insurance will cost as low as $49 per month or $588 per year. Please look at the below comparison to understand what you will spend monthly and annually.

CompanyCost per MonthCost per YearBest for
NEXT$30$360The best overall choice for North Dakota insurance
CoverWallet$33$396Commercial auto insurance for small and large businesses
The Hartford$35$420Commercial auto insurance expertise
Tivly$37$444Getting quotes fast
Thimble$39$468First-time buyers of commercial auto insurance
Hiscox$42$504Small businesses that need commercial auto insurance

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Best North Dakota Commercial Auto Insurance Companies

See our reviews of the best North Dakota commercial auto insurance companies below. Read on to see their pros, cons, and average rate. 

NEXT Insurance


  • Towing & labor coverage

  • File entirely online

  • Offers underinsured motorist


  • None found

NEXT is a superior provider of commercial auto insurance. They offer a great selection of policy options at a low price. The company was founded in 2016 but has a strong foundation. NEXT has an excellent score from financial rater AM Best. The Better Business Bureau gives it a B+ rating.

Best for: Best overall choice for North Dakota insurance

Average cost: $30 per month 

Our rating: 10/10

The Hartford Insurance


  • Excellent policy add-on selection

  • Longstanding and trusted insurer

  • Offers specialized large business coverage


  • Some users report a lack of resolution to claims promptly.

The Hartford is an insurer that has been writing policies for over 200 years. You can trust their experience to steer your commercial auto insurance policy in the right direction. The Hartford has an A- rating from AM Best. They also have an A+ rating with the Better Business Bureau.

Best for: Commercial auto insurance expertise

Average cost: $35 per month

Our rating: 10/10 

CoverWallet Insurance


  • Offers a range of policies to meet your needs

  • Over ten insurance partners to choose from

  • Allows you to skip the form and call directly


  • Not an insurance provider

CoverWallet offers a unique digital platform that simplifies the insurance buying process. You can compare quotes with their 10+ insurance partners, saving you the time to contact companies individually. CoverWallet has an A+ score from the Better Business Bureau.

Best for: Commercial auto insurance for small and large businesses

Average cost: $33 per month 

Our rating: 10/10

Tivly Insurance


  • Get quotes quickly thanks to a 4-second phone answer rate

  • Covers food trucks

  • Offers Gap insurance


  • No mobile app

Tivly is an insurance platform with a lot to offer. You can choose from over 200 partners that all provide excellent insurance options. They also have many commercial auto insurance add-ons possibilities to go with their vast partner selection. Tivly has an A rating from the Better Business Bureau. After one call, you could have a policy within hours. Call now to compare quotes over the phone. 

Best for: Getting quotes fast

Average cost: $37 per month 

Our rating: 10/10

Thimble Insurance


  • Covers owned, leased, and non-owned vehicles

  • Excellent experience for first-time buyers

  • More freedom in defining your policy duration


  • Customer call times can be long.

Thimble is an insurance broker that serves the needs of your business through its partners. They offer an excellent selection of commercial auto policies with all the coverage you need in North Dakota. The company provides an amazing user-friendly user experience to those unfamiliar with buying insurance.

Best for: First-time buyers of commercial auto insurance

Average cost: $39 per month 

Our rating: 10/10 

Hiscox Insurance


  • Save when purchasing commercial auto insurance with other policies

  • Helpful online resources

  • Refund your policy within 14 days if you are unsatisfied


  • It might not offer all the options you need

Hiscox is the preferred insurer for over 500,000 small businesses. They offer tailored policies that maximize the coverage you need at a low cost. You can get a quote quickly by calling one of their agents and quickly get your insurance certificate. Hiscox has an excellent rating from AM Best.

Best for: Small businesses who need commercial auto insurance

Average cost: $42 per month 

Our rating: 10/10 

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