GEICO offers North Dakota's most affordable car insurance, with monthly rates of $28 for minimum coverage and $61 for full coverage. Drivers save $24 monthly, or 35%, compared to state averages. Get quotes from North Star Insurance, American Family, Farm Bureau and Progressive too.
Cheapest Car Insurance in North Dakota
Updated: August 6, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, North Star Insurance and American Family are the cheapest car insurance companies for most North Dakota drivers, with average savings of up to 35%.
Car insurance costs can be as low as $28 monthly for minimum coverage and $61 for full coverage policies on average in North Dakota.
To get the cheapest car insurance in North Dakota, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in North Dakota?
| Geico | $28 | $61 | -35% |
| North Star Insurance | $26 | $67 | -32% |
| American Family | $33 | $62 | -31% |
| Farm Bureau | $27 | $73 | -27% |
| Progressive | $34 | $71 | -23% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NORTH DAKOTA
We've created additional guides below to help you in your search for the best and cheapest car insurance in North Dakota:
Best Car Insurance Rates by Category in North Dakota
North Star offers the cheapest rates in five out of our 10 driver categories, while American Family stands out by providing the most affordable coverage in three categories, particularly for high-risk drivers. Find your specific rates in the table:
| Young Drivers | North Star Insurance | $50 |
| Adult Drivers | Geico | $26 |
| Senior Drivers | North Star Insurance | $25 |
| Drivers With An Accident | American Family | $33 |
| Drivers With A DUI | American Family | $37 |
| Drivers With A Speeding Ticket | North Star Insurance | $30 |
| Drivers With Bad Credit | North Star Insurance | $64 |
| Drivers With Low Income | North Star Insurance | $45 |
| Drivers With Newer Cars | American Family | $38 |
| Drivers With Old Cars | Geico | $22 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in North Dakota for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Grinnell offers the lowest rates at $190 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Grinnell Insurance | $190 | $2,276 | -47% |
| Auto Owners | $262 | $3,142 | -26% |
| Geico | $278 | $3,331 | -22% |
| American Family | $281 | $3,371 | -21% |
| North Star Insurance | $290 | $3,476 | -19% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in North Dakota by City
Where you live in North Dakota affects your insurance costs based on local crime, accidents and traffic density. Farm Bureau charges as little as $20 in Absaraka while American Family charges $29 in Grafton. Here are the cheapest providers for every North Dakota city.
Data filtered by:Results filtered by:
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City:Abercrombie
| Abercrombie | Farm Bureau | $20 | -40% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in North Dakota By Driver Age Group
We analyzed car insurance rates across North Dakota for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- North Star offers the lowest rates for young drivers at $50 per month
- GEICO provides the best rates for adult drivers at $26 per month
- North Star leads for senior drivers with rates from $25 per month
Cheapest Car Insurance For Young Drivers in North Dakota
North Star offers North Dakota's lowest rates for young drivers. Minimum coverage costs $50 per month, saving drivers 52% compared to other providers. American Family also leads for full coverage at $116 monthly, saving young drivers 49%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| North Star Insurance | $50 | $595 | -52% |
| American Family | $60 | $724 | -42% |
| Farm Bureau | $65 | $785 | -37% |
| Geico | $71 | $856 | -32% |
| Auto Owners | $73 | $871 | -30% |
Cheapest Car Insurance For Adult Drivers in North Dakota
GEICO offers North Dakota's lowest rates for adult drivers: $26 monthly for minimum coverage and $56 for full coverage.
Data filtered by:Results filtered by:
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coverage_user_friendly:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| North Star Insurance | $25 | $295 | -40% |
| Farm Bureau | $25 | $297 | -39% |
| Geico | $26 | $310 | -37% |
| Auto Owners | $31 | $375 | -23% |
| American Family | $33 | $394 | -20% |
Cheapest Car Insurance For Senior Drivers in North Dakota
North Star offers the most affordable rates for senior drivers in North Dakota, with annual premiums of $780 for full coverage and $304 for minimum coverage.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| North Star Insurance | $25 | $304 | -52% |
| Geico | $30 | $363 | -43% |
| Farm Bureau | $32 | $379 | -41% |
| American Family | $40 | $485 | -24% |
| State Farm | $45 | $534 | -16% |
Cheapest Car Insurance For High-Risk Drivers in North Dakota
We studied four areas for profiles insurers consider high-risk in North Dakota including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: North Star Insurance (From $60/mo)
- Cheapest With a DUI: State Farm (From $36/mo)
- Cheapest With an Accident: American Family (From $33/mo)
- Cheapest With a Speeding Ticket: North Star Insurance (From $28/mo)
Cheapest Car Insurance For Bad Credit in North Dakota
North Star offers North Dakota drivers with bad credit the most affordable car insurance rates. Annual rates start at $726 for minimum coverage and $2,351 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| North Star Insurance | $60 | $726 | -63% |
| Farm Bureau | $100 | $1,194 | -39% |
| Grinnell Insurance | $108 | $1,296 | -34% |
| Geico | $112 | $1,345 | -31% |
| Auto Owners | $145 | $1,740 | -11% |
Cheapest Car Insurance With a DUI in North Dakota
State Farm ranks as the most affordable option for North Dakota drivers with DUIs, offering annual rates of $435. American Family provides the next best value with premiums of $443 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $36 | $435 | -54% |
| American Family | $37 | $443 | -53% |
| Farm Bureau | $39 | $463 | -51% |
| Progressive | $41 | $489 | -48% |
| Auto Owners | $68 | $818 | -13% |
Cheapest Car Insurance With an Accident in North Dakota
North Dakota drivers with an accident on their record can find the most affordable coverage through American Family at $33 per month ($394 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| American Family | $33 | $394 | -43% |
| Farm Bureau | $37 | $448 | -35% |
| State Farm | $40 | $478 | -31% |
| North Star Insurance | $41 | $494 | -28% |
| Auto Owners | $42 | $509 | -26% |
Cheapest Car Insurance With an Speeding Ticket
North Star provides the lowest rates for Peace Garden State drivers with speeding tickets. Drivers pay $335 per year for minimum coverage and $867 annually for full coverage, making North Star an affordable choice for those with traffic violations.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| North Star Insurance | $28 | $335 | -43% |
| Farm Bureau | $29 | $350 | -40% |
| Auto Owners | $36 | $429 | -27% |
| State Farm | $36 | $435 | -26% |
| American Family | $37 | $443 | -24% |
How to Get the Cheapest Car Insurance in North Dakota
Finding the most affordable insurance companies is just the first step to getting the best rates in North Dakota. Here are proven strategies to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels including independent agents, comparison websites and directly from providers. Your rates can vary significantly depending on how you obtain quotes, so exploring multiple avenues helps ensure you find the best deal.
- 2
Determine Your Coverage Needs
Understanding the coverage you need helps avoid paying for unnecessary add-ons while ensuring adequate protection. Consider your vehicle's value, your assets and your risk tolerance when choosing coverage levels.
- 3
Evaluate Coverage Levels
Consider adjusting your coverage levels and deductibles to match your budget and risk tolerance. Assess your financial situation, driving patterns and vehicle type before making coverage decisions.
- 4
Research Costs and Discounts
Look into average auto insurance costs for drivers with similar profiles to benchmark savings opportunities. Explore available discounts and consider bundling home and auto insurance to maximize your savings.
- 5
Consider Alternative Insurance Options
Look into pay-per-mile car insurance if you drive infrequently or telematics programs that reward safe driving habits. Check if your car manufacturer offers special insurance programs with competitive rates.
- 6
Improve Your Risk Profile
Work on improving your credit score and maintaining a clean driving record. These factors significantly influence your insurance rates and can lead to substantial savings over time.
- 7
Choose a Cost-Effective Vehicle
When car shopping, consider vehicles that are cheaper to insure. Older, reliable models typically cost less to cover and maintain, resulting in lower insurance premiums.
Risks of Getting the Cheapest Car Insurance in North Dakota
North Dakota's minimum required car insurance coverage is 25/50/25 liability coverage. Drivers must carry $25,000 for bodily injury per person, $50,000 for total bodily injuries per accident and $25,000 for property damage per accident. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
North Dakota drivers with minimum liability coverage face steep costs for vehicle repairs after at-fault accidents. According to the Insurance Information Institute, the average property damage claim in North Dakota reached $4,832 in 2023. Without collision coverage, you must pay these repair costs out of pocket, which can strain your finances. Consider adding collision coverage to protect against repair expenses from accidents you cause.
Weather risks make damage to your car more likely and aren't covered
Severe weather poses significant risks to vehicles in North Dakota. According to the National Centers for Environmental Information, weather-related property damage in North Dakota was substantial in 2023, with hail and winter storms causing vehicle damage. Basic liability insurance won't cover weather damage. Adding comprehensive coverage helps protect against losses from severe storms, hail, and winter weather conditions.
Bodily injury damage is more likely to be higher than the minimum limits
North Dakota's minimum bodily injury coverage of $25,000 per person often falls short of actual claim costs. Average bodily injury claims in North Dakota reached $22,300 in 2023, according to the Insurance Information Institute. Rising medical costs mean you could face major out-of-pocket expenses. Consider higher coverage limits of at least 50/100/50 for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
North Dakota has an uninsured driver problem, with 13% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a growing problem in North Dakota, according to the National Insurance Crime Bureau's 2023 data, with theft rates increasing over 2022. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it.
Cheap Car Insurance in North Dakota: Bottom Line
GEICO provides North Dakota's most affordable car insurance, averaging $336 for minimum coverage and $732 for full coverage annually. Other budget-friendly options include North Star Insurance, American Family, Farm Bureau and Progressive.
Cheap Car Insurance in North Dakota: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance coverage that fits your needs.
What are the cheapest car insurance companies in North Dakota?
North Star Insurance provides North Dakota's most affordable car insurance, averaging $312 for minimum coverage and $804 for full coverage annually. Other budget-friendly options include GEICO, American Family, Farm Bureau and Progressive.
Who has the cheapest car insurance rates for young drivers in North Dakota?
North Star provides the lowest rates for young drivers in North Dakota, with monthly premiums starting at $50.
Who offers the cheapest car insurance rates for seniors in North Dakota?
Senior drivers in North Dakota can find budget-friendly coverage with North Star Insurance, offering monthly premiums around $25 for those 65 and older.
Who has the cheapest car insurance in North Dakota for bad credit?
North Star Insurance provides the most affordable rates for bad-credit drivers in North Dakota, with monthly premiums starting at $60 for minimum coverage and $196 for full coverage.
Who has the cheapest car insurance in North Dakota with an accident?
American Family offers the most affordable rates for North Dakota drivers with an accident, starting at $33 per month for minimum coverage.
Who has the cheapest car insurance in North Dakota with a DUI?
State Farm provides the cheapest car insurance after a DUI in North Dakota, with rates of $36 monthly for minimum coverage and $78 for full coverage.
Who has the cheapest car insurance in North Dakota for those with a speeding ticket?
North Dakota drivers with speeding tickets can find the lowest rates with North Star Insurance at $28 monthly for minimum coverage and $72 for full coverage.
Should you buy the cheapest car insurance in North Dakota?
The cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in North Dakota.
How We Found the Most Affordable Car Insurance in North Dakota
MoneyGeek collected auto insurance data from the North Dakota Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in North Dakota.
North Dakota Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in North Dakota
We compared car insurance companies in North Dakota that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in North Dakota.
The minimum coverage liability limits in North Dakota are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 15, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 15, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 15, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 15, 2025.