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Shopping for car insurance in North Dakota? You’re in good company. Based on statistics from the U.S. Department of Transportation Federal Highway Administration, the state of North Dakota has 7,267,042 licensed drivers on the road as of 2016, the last year for which such data is available. Those numbers are low compared to many other states, because of North Dakota’s relatively low population, but that doesn’t mean it’s any easier for you to navigate the car insurance process.1

Our guide to shopping for car insurance in North Dakota will help you figure out how much insurance you need, and you’ll learn what factors affect car insurance costs in general and as they pertain specifically to North Dakota. The average cost of car insurance varies widely from state to state, which is why we put together this guide to the best cheap car insurance. Our study helps explain many of the factors that affect the cost of car insurance, such as age and gender, the city or town in which the vehicle is registered, and other details, such as driving record and credit score.

Cheapest Car Insurance Companies in North Dakota

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ. See more about the rates in this study. 

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35, and 60 who drive 12,000 miles per year, have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in North Dakota?

See the Cheapest Car Insurance Companies

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According to our study, the average representative rate for car insurance across the state of North Dakota from the state’s eight largest auto insurance companies is $1,140.86. The data can help you budget for car insurance as a North Dakota driver. You’ll see the differences in average study rates among the state’s biggest car insurance companies based on demographics such as age, gender, annual commute, driving habits, and city or town of residence.

First, we’ll look at the averages for the major companies across the state, and then we’ll break it down much more. The data shows that the major auto insurance company with the highest statewide average representative rate in North Dakota is American Family, at $1,537. Allstate follows with a representative rate of $1,534; Progressive comes in at $1,257; Farmers comes in at $1,138; State Farm at $1,122; and Nationwide, at $1,041. The two cheapest major auto insurance companies in North Dakota based on statewide averages shown by our study data are Geico at $878 and USAA at $621. However, it’s worth mentioning that USAA membership is available exclusively to members of the military, veterans, and their families, so many consumers won’t qualify for such rates.

North Dakota Car Insurance Rates by Age

Let’s look at average car insurance rates based on age and gender. To find the average rates in or study based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In general, based on our representative profiles, younger drivers are charged higher rates in our study because of their limited driving experience and higher frequency of accidents. According to the data in our study, the 25-year-old female driver profile has an average representative rate of $1,266 a year for car insurance in North Dakota, and the 25-year-old male driver profile has ab average representative rate of $1,399. The highest representative rate for the male driver profile in this age group is from American Family, at $1,813, and the lowest is from USAA, at $861. For the female driver profile, the highest representative average rate is from Allstate, $1,658, and the lowest is $794 from USAA.

Next, we’ll take a look at 35-year-old female and male profiles as the next demographic in the study for auto insurance rates in North Dakota. In general, this group pays lower auto insurance rates in our analysis than 25-year-old profiles, because they are more experienced drivers. The female driver profile in this age group sees a representative average rate of $1,116 statewide, with a high representative average of $1,544 from American Family and a low representative average of $576 from USAA. The average representative rate for the male driver profile in this age group is $1,118, with a high average representative rate of $1,544 from American Family and a low representative average of $573 from USAA.

Last up is the driver profiles for 60-year-old male and female profiles. In general, these groups typically have the lowest representative auto insurance rates of the age groups in the study, and North Dakota is no exception. Our female driver profile in this age group could expect to pay a representative average of $957, according to our study data. The study says that the highest representative average for this driver profile is from American Family, at $1,388, and the lowest representative average is from USAA, at $460. For the male driver profile in this age group, our study data shows the representative average is $988. The most expensive average representative rate for the male driver profile in this age group is from Allstate, at $1,410, and USAA shows the cheapest representative rate, at $463, according to the study.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,782.62

$1,657.50

$1,517.75

$1,504.51

$1,409.64

$1,332.94

American Family

$1,813.17

$1,543.56

$1,543.56

$1,543.56

$1,388.43

$1,388.43

Farmers

$1,382.30

$1,289.99

$1,094.10

$1,113.99

$996.82

$948.68

Geico

$1,119.79

$898.34

$925.77

$866.73

$728.95

$728.95

Nationwide

$1,275.36

$1,174.85

$1,021.96

$992.13

$932.58

$847.79

Progressive

$1,598.50

$1,561.98

$1,172.40

$1,237.04

$1,004.40

$964.89

State Farm

$1,361.95

$1,210.24

$1,097.69

$1,097.69

$981.74

$981.74

USAA

$860.65

$793.84

$572.96

$575.74

$463.17

$460.00

North Dakota Car Insurance Rates by Annual Mileage

Auto insurance can vary based on annual mileage driven, so our study looked at two driver profiles, those with average travel of 6,000 miles annually and 12,000 miles annually. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with a medium level of insurance coverage and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

According to study data, the statewide average representative rate for the lower mileage group is $1,099, with a high of $1,468 from Allstate and low of $597 from USAA. With the higher mileage group, the study’s representative average is $1,141. Study data shows that American Family has the high representative average of $1,537, and USAA has the low representative average, at $621.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,467.53

$1,534.16

American Family

$1,466.87

$1,536.79

Farmers

$1,137.65

$1,137.65

Geico

$818.54

$878.09

Nationwide

$1,040.78

$1,040.78

Progressive

$1,256.54

$1,256.54

State Farm

$1,006.11

$1,121.84

USAA

$596.69

$621.06

North Dakota Car Insurance Rates by Coverage Type

Quadrant Information Services also considered average car insurance rates for low, medium, and high coverage, using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of insurance coverage and assigned the profiles a clean driving record, a good credit score, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

In almost every case, each of the insurance companies in the study, average representative rates are the lowest with low coverage, increase with medium coverage, and increase more for high coverage, though the difference between tiers was bigger for some companies than for others. The sole exception was American Family, whose representative rates increase with medium coverage but drop back down for high coverage.

In North Dakota, the average representative rate for low coverage, according to our study, is $1,116. Study data shows Allstate has the highest representative rate for this group at $1,511 and USAA has the lowest at $605. For medium coverage, the average representative rate is $1,141, with a high representative rate of $1,537 from American Family and a low representative rate of $621 from USAA. For high coverage, the average representative rate is $1,140. The highest average representative rate is from Allstate with $1,560 and the lowest representative rate is from USAA with $636.

Company

Low

Medium

High

Allstate

$1,510.98

$1,534.16

$1,560.11

American Family

$1,507.82

$1,536.79

$1,346.64

Farmers

$1,120.92

$1,137.65

$1,156.37

Geico

$862.69

$878.09

$899.82

Nationwide

$1,007.39

$1,040.78

$1,078.32

Progressive

$1,228.34

$1,256.54

$1,297.78

State Farm

$1,086.83

$1,121.84

$1,147.74

USAA

$605.18

$621.06

$636.01

North Dakota Car Insurance Rates by Credit Score

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Credit history is a factor in insurance costs because it lends insight into whether the potential customer is generally responsible (indicated by a high credit score) or generally irresponsible (indicated by a low credit score), which auto insurance companies believe is a factor in whether or not a customer is likely to be involved in a crash.

According to our study, drivers in North Dakota with a good credit history pay an average representative rate of $1,141. The highest average representative rate for the driver profile with good credit history comes from American Family at $1,537 and the lowest representative rate comes from USAA at $621. Our driver profile with fair credit faces average representative premiums of $1,350, with a high average representative rate of $1,834 from Allstate and a low representative rate of $722 from USAA. The driver profile with poor credit faces the highest statewide average representative rate of $1,926. The highest average representative rate for this driver profile comes from American Family, $2,638, and USAA comes in with the cheapest representative rate, $1,127.

Company

Good

Fair

Poor

Allstate

$1,534.16

$1,833.87

$2,355.86

American Family

$1,536.79

$1,821.25

$2,637.83

Farmers

$1,137.65

$1,283.35

$1,952.02

Geico

$878.09

$928.69

$1,219.59

Nationwide

$1,040.78

$1,172.65

$1,476.92

Progressive

$1,256.54

$1,639.05

$2,438.34

State Farm

$1,121.84

$1,400.83

$2,200.89

USAA

$621.06

$721.65

$1,127.25

North Dakota Car Insurance Rates by Driving Record

Driving record has a considerable impact on insurance rates. To find out just how much, we compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

First, let’s look at the driver profile with a clean record. The statewide average representative rate is $1,141, the highest average representative rate is with American Family with $1,537, and the low average representative rate is USAA with $621. 

Next, driver profiles with one speeding violation pay an average representative rate of $1,428 across North Dakota. The highest average representative rate for this driver profile comes from American Family at $1,843 and the lowest representative rate comes from USAA at $740. Rates tend to go up even more with a crash on the record. The driver profile with one accident sees a statewide average representative rate of $1,630, a high average representative rate of $2,312 from American Family, and a low average representative rate of $859 from USAA.

According to study data for our driver profiles, average representative rates for one DUI in North Dakota go quite a bit higher, up to $2,052. The highest average representative rate is from American Family at $2,836 and the lowest average representative rate is from State Farm at $1,205.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,534.16

$1,717.92

$1,726.22

$2,745.86

American Family

$1,536.79

$1,842.50

$2,312.30

$2,836.35

Farmers

$1,137.65

$1,453.52

$1,555.89

$1,530.38

Geico

$878.09

$1,721.16

$1,690.68

$2,796.15

Nationwide

$1,040.78

$1,238.43

$1,733.68

$2,486.89

Progressive

$1,256.54

$1,509.10

$1,872.90

$1,347.60

State Farm

$1,121.84

$1,205.01

$1,288.12

$1,205.01

USAA

$621.06

$740.26

$859.47

$1,471.59

North Dakota Car Insurance Rates by City

We checked our study's driver profiles in some of North Dakota's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, up to 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

As you’ve seen, many factors determine your car insurance rates. However, where you live can have a considerable impact, even within the same state. As a factor in calculating rates, insurance companies evaluate the frequency of claims in a ZIP code, as well as the cost of medical and repair services. An area’s population and traffic are also considered. That’s why shoppers can expect higher rates in ZIP codes with dense traffic and lower rates in more rural areas. In more crowded areas, the more likely you are to make a claim on your auto insurance, which means higher costs for your insurance company, and therefore higher rates passed on to consumers.

In North Dakota, there isn’t as much variation in average representative rates in different cities and towns as compared to many of the other rates in our study. The lowest representative rate according to study data is in West Fargo, at $960, while the highest is in Mandan, at $1,154. That’s a difference of less than $200. Many of our insurance guides for other states show differences of a thousand dollars or more between the cheapest and most expensive areas in the state. That’s good news for North Dakota drivers.

City

Average Rate

Fargo

$975.17

Bismarck

$1,101.73

Grand Forks

$993.75

Minot

$1,117.26

West Fargo

$960.47

Williston

$1,150.33

Mandan

$1,153.83

Dickinson

$1,113.14

Jamestown

$1,036.58

Wahpeton

$1,065.45

North Dakota Auto Insurance Minimum Coverage Requirements

All vehicles registered in North Dakota must be covered by five types of insurance: bodily injury, property damage liability, uninsured motorist, underinsured motorist, and basic personal injury protection.

The North Dakota state minimum for bodily injury coverage is $25,000 per person and $50,000 per accident. This insurance covers injuries to other people resulting from an accident in which you are at fault.

The minimum for property damage liability coverage is $25,000 per accident, and it covers damage to the property of others involved in an accident if you are at fault. 

Uninsured and underinsured motorist coverage provides property damage or bodily injury coverage for you and any passengers in your car if an accident occurs and the driver at fault does not have insurance or does not have enough insurance coverage. This coverage also applies in the event of a hit-and-run accident. The minimums for both uninsured motorist and underinsured motorist coverage are $25,000 per person and $50,000 per accident. 

Personal injury coverage pays for medical bills and lost wages if you or your passengers are injured in a crash. This plan pays benefits regardless of who is at fault in the accident, and it covers these costs immediately, even before a personal health insurance plan, so that those injured can get treatment as quickly as possible. For basic personal injury protection, the state’s minimum coverage is $150 per week with a $30,000 maximum. 

North Dakota does not require comprehensive or collision coverage, but you may want to consider adding this coverage to your policy. Collision coverage pays for damage to your vehicle caused by an accident, regardless of who is at fault, and comprehensive coverage pays for damage to your vehicle from all other incidents, such as a flood or other weather event, fire, theft, or vandalism. If you lease your car or have an outstanding loan, the bank may require you to carry this coverage to ensure you can pay off the debt if something happens to the car.

Learn more about minimum insurance requirements in our guide on how much car insurance you need.

Cheapest Car Insurance in North Dakota

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in North Dakota, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and up to 12,000 miles driven per year. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Quadrant Information Services data clearly shows that consumers in North Dakota can save the most money on car insurance premiums by sticking with a low coverage policy, establishing good credit, and maintaining a clean driving record. USAA has the lowest average representative rates in North Dakota in nearly every scenario in our study, but as previously mentioned, USAA is only available to military families. Most other consumers in North Dakota will be best off with Geico, according to our study data.

Why Car Insurance Rates Vary in North Dakota

The highest risk drivers pay the highest car insurance rates, regardless of state. Our study data and driver profiles clearly demonstrated that inexperienced drivers, those in high risk areas, and those who have a history of poor driving or financial irresponsibility (or a combination of any of these factors) will pay the highest premiums. Older drivers with good credit history and good driving records are generally offered lower rates because they are less likely to be involved in an accident or to have their car damaged.

How to Get the Cheapest Car Insurance in North Dakota

To find the cheapest car insurance in North Dakota, you’re in good shape if you have established a good credit history and a good driving record. If that isn’t the case, it’ll take time to repair the damage to your record, but there are other steps you can take in the meantime to help lower your car insurance costs.

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When it comes time to shop around, you should familiarize yourself with common car insurance discounts. These include the multi-policy or bundling discount, often offered to customers who purchase more than one insurance policy from the same carrier. Popular ways to get this discount include combining multiple vehicles on the same auto insurance policy or some other type of vehicle, or combining an auto policy with homeowners insurance or renters insurance. 

If you have high school or college students in the family who drive your vehicles, you should inquire about student discounts or good student discounts. Also ask about employer or affinity discounts, which you may be eligible for if you work for a company or are a member of a group that has negotiated a group rate with an insurance company. Many major car insurance companies also offer discounts for certain professions, particularly teachers, active members of the military, and veterans.

Some insurers offer lower rates if you have a short commute and rack up very low miles, if your car is equipped with certain anti-theft or safety systems, if you provide a certificate of completion from an approved driver training course, or if you remain accident-free for a certain period of time. Another option to consider is that some companies offer tracking programs, which are fairly new. These programs use a car-based tracking device or smartphone app to report your driving habits to your insurance company, which can result in a discount. However, keep in mind that discounts are not guaranteed, and that the company may also raise your rates if your data shows risky driving habits. Finally, look for discounts for enrolling in paperless or online billing, or automatic payment plans. 

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Important Laws Around Auto Insurance in North Dakota

If you plan to register and insure a vehicle in North Dakota, you should be familiar with the following laws related to driving and car insurance. Furthermore, even if you don’t live in North Dakota, you should be aware that violating laws while driving through that state can still affect your car insurance rates.

There are two main types of auto liability insurance laws: fault-based and no-fault. North Dakota is one of a dozen or so no-fault states, which means that a driver and their passengers can receive compensation for their medical bills and lost wages from their own insurance company, regardless of fault. In a no-fault state, a policyholder may also sue other parties involved in an accident, under certain conditions, but in general, consumers in no-fault states have fewer rights to sue over an auto accident than those in fault states. The advantages to a no-fault state are that the laws enable quicker compensation and that there are fewer lawsuits over auto accidents.

In general, most other states follow the fault-based system. In fault states, drivers aren’t required to buy personal injury protection, though they may choose to buy similar coverage for extra protection. Instead, the liability insurance of the driver at fault covers the lost wages and medical expenses of those injured. Experts in favor of this system say it lowers insurance premiums and reduces the need for overlapping medical coverage.

North Dakota Driving Laws and Punishments

Driving laws and related penalties vary from state to state, so if you are shopping for car insurance in North Dakota, it’s a great time to brush up on the rules of the road. This will help you avoid violations that may cause your auto insurance premiums to go up.

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North Dakota has several laws on the books regarding device use while driving. The first specifically prohibits texting while driving and carries a fine of $100. Furthermore, drivers under 18 are prohibited from using any electronic communication devices. For drivers age 14 and 15, this offense has a fine of $20 and four points on the driving record. For drivers age 16 and 17, the fine is $20, but no points are given. As of August 2017, an additional $100 fine is given to drivers of any age for distracted driving, defined as “any distraction that impairs the ability to safely operate the vehicle.” 

North Dakota’s penalties for DUI (driving under the influence) increase in severity for repeat offenses.

For the first offense, a Class B misdemeanor, penalties include a $500 fine for below 0.16 blood alcohol concentration (BAC) or two days in prison and a $750 fine for a BAC above 0.16. Drivers convicted of a first DUI will also face a 91-day license suspension if below 0.18 BAC or a 180-day suspension if above 0.18. BAC.

For the second offense in seven years, a Class B misdemeanor, penalties include 10 days in prison, a fine of $1,500, 360 days’ participation in the 24/7 sobriety program (which requires abstaining from alcohol and mandatory testing), and a one-year license suspension below 0.18 BAC or a two-year license suspension above 0.18 BAC.

For the third offense in seven years, a Class A misdemeanor, penalties include 120 days in prison, a fine of $2,000, 360 days’ participation in the 24/7 sobriety program, 360 days’ supervised probation, and a two-year license suspension below 0.18 BAC or a three-year license suspension above 0.18 BAC.

For the fourth and subsequent offenses in 15 years, a Class C felony, penalties include imprisonment for one year and one day, a fine of $2,000, two years’ participation in the 24/7 sobriety program, two years’ supervised probation, and addiction evaluation.

There are additional penalties that may apply. A DUI with a minor passenger in the vehicle may result in up to a year of imprisonment or a fine of $2,000. Refusal to submit to a chemical DUI test may result in a revoked driver’s license for a minimum of 180 days and a maximum of three years. Criminal vehicular injury carries a sentence of up to five years of imprisonment, and criminal vehicular homicide may result in imprisonment up to 20 years.

A vehicle registered in North Dakota must meet minimum insurance requirements with a policy issued by a North Dakota agent with an insurance company licensed to operate in North Dakota. The state’s department of transportation says all vehicles with a current registration tag used on any public street, road, highway or off-highway are required to meet the state’s insurance policy requirements. It is a Class B misdemeanor to drive without the minimum insurance in North Dakota. Penalties include a fine of at least $150, and if you are involved in an accident without insurance, you will get 14 points on your driver’s license, which is enough to immediately suspend your license.

North Dakota Car Insurance FAQs

Is car insurance required in North Dakota?

Yes, North Dakota state law requires that all motor vehicles registered and operated in the state carry enough insurance to meet the state’s minimum requirements.

Which cars are required to be insured in North Dakota?

All vehicles registered in North Dakota must be insured.

When should I get car insurance in North Dakota?

You should get car insurance before you drive your car. While you are not required to show proof of insurance to register your car, you do need to have insurance before you can drive. 

What happens if my car is not properly insured in North Dakota?

If you are asked to provide proof of insurance in North Dakota and are unable to, the state Motor Vehicle Division may suspend or revoke your license plates and registration until you are able to provide valid proof of insurance. Penalties also include a fine of at least $150, and if you are involved in an accident without insurance, you will get 14 points on your driver’s license, which suspends your license. It is a Class B misdemeanor to drive without the minimum insurance in this state.

Is North Dakota a no-fault state?

Yes, North Dakota is a no-fault state for auto insurance. That means that a driver and their passengers can receive compensation for their medical bills and lost wages from their own insurance company, regardless of fault.

Do I need uninsured motorist coverage in North Dakota?

Yes, North Dakota requires both uninsured and underinsured motorist coverage. The minimum amounts for each type of coverage are $25,000 per person and $50,000 per accident.

Is liability insurance required in North Dakota?

Yes, North Dakota requires bodily injury liability coverage and property damage liability coverage. The minimum for bodily injury coverage is $25,000 per person and $50,000 per accident. The minimum for property damage liability coverage is $25,000 per accident.

Does North Dakota accept digital insurance cards?

Yes, North Dakota accepts digital insurance cards, which means that drivers can use their insurance company’s smartphone app to show proof of insurance when required.