Auto Insurance in Steele, ND
Driving comes with its own set of risks; icy highways, rural roads where deer crossings are common, and hailstorms that can leave vehicles damaged. At Bowerman Insurance Agency, we provide auto insurance that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right coverage and cost for your needs.
Coverage That Fits North Dakota Drivers
Auto insurance isn't just about meeting state requirements-it's about making sure you and your family are protected from the unexpected. We offer coverage options including:
Liability Coverage
Meets state minimums and protects you financially if you're at fault in an accident.
Collision Coverage
Coverage for repairs if your vehicle is damaged in a crash.
Comprehensive Coverage
Covers hail, deer collisions, theft, and other non-collision losses.
Uninsured/Underinsured Motorist
Protection if another driver doesn't have enough insurance.
Medical Payments Coverage
Helps pay medical costs after an accident.
Meeting State Requirements & Beyond
All states require drivers to carry liability insurance, but for most households, that's only the starting point. We'll help you understand the state minimums, then explore options for broader protection. For drivers who need SR-22 filings, our team can handle the paperwork quickly and efficiently.
Ways to Save on Car Insurance
Affordable coverage matters. We'll help you find discounts that can make a real difference, such as:
- Multi-policy bundles with Homeowners Insurance or Renters Insurance
- Multi-car discounts for households with more than one vehicle
- Good student and defensive driver savings
- Discounts for accident-free or claim-free history
High-Risk & SR-22 Coverage
If you've had a lapse in coverage, multiple tickets, or require an SR-22 filing, Bowerman Insurance can help. We work with carriers that specialize in high-risk auto insurance so you can get back on the road legally and affordably. For most clients, SR-22s can be filed the same day.
A Local Agency That Knows the Roads You Drive
From small-town streets to busy intersections, we've spent decades helping our customers stay protected. Because we're local, we understand the unique driving challenges (winter ice, long rural commutes, and unpredictable weather) and we know how to make sure your policy accounts for them.
Auto Insurance FAQs
Is auto insurance required in North Dakota?
Yes. Drivers must carry liability coverage, along with uninsured/underinsured motorist coverage. We'll walk you through the requirements and options.
How can I lower my car insurance premium?
Bundling policies, maintaining a clean driving record, and asking about discounts can all help. [Contact Us] to review your options.
Does insurance cover hail damage or deer collisions?
Yes-these are typically handled under comprehensive coverage, which we strongly recommend in North Dakota.
What coverage do I need for a teen driver?
We'll help you add your new driver to your policy and explore discounts that can offset the increased cost.