Cheapest Car Insurance in North Dakota for 2026

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Updated: April 23, 2026

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North Dakota ranks as the 10th most affordable of the 50 states, with full coverage averaging $90/month, 26% below the national average. GEICO is the cheapest for full coverage at $56/month; North Star and Farm Bureau tie for the cheapest minimum coverage at $25/month. North Dakota's bad-credit rates are expensive relative to its affordable clean-record market: North Star's cheapest bad-credit rate ($196/month) is 250% above GEICO's clean-record rate of $56/month.

Cheapest in North Dakota by coverage type

Cheapest by driver age

Cheapest by driving record and credit score

Ten companies were analyzed. Our baseline profile: 40-year-old driver, clean record, good credit, full coverage (100/300/100 liability, $1,000 deductible). North Dakota's mandatory PIP ($30,000) and UM/UIM requirements are shown in the minimum coverage analysis. 

Gender is used as a rating factor in North Dakota. Young driver rates are shown separately. 

All rates are averages across ZIP codes; individual quotes vary by location, vehicle, and driving history. The data source for the analysis is Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in North Dakota

North Star and Farm Bureau tie for the most affordable minimum coverage at $25/month, but GEICO leads full coverage at $56/month, making it worth comparing both coverage levels separately. Choosing GEICO over Farmers (the most expensive among all 10 providers analyzed at $148/month full coverage, per Quadrant Information Services data) saves $92/month ($1,104/year). 

Learn more about the best car insurance in North Dakota.

North Dakota is a no-fault state with three mandatory coverage types: 25/50/25 liability, $30,000 PIP (pays for the driver's own medical costs and lost wages regardless of fault), and 25/50 UM/UIM.

North Star Insurance
$25
$63
Farm Bureau
$25
$68
GEICO
$26
$56
Auto-Owners
$31
$78
American Family
$33
$60

Cheapest Car Insurance by Age in North Dakota

Car insurance rates differ by age. American Family is the cheapest for young adult policies at $116/month (rate for a 22-year-old male on a policy, per Quadrant Information Services data); North Star and GEICO tie for seniors at $65/month. 

North Dakota uses gender as a rating factor; the gap is modest ($4/month at age 16) and narrows to near-zero by age 25. The cheapest provider occasionally differs by gender at certain ages (age 17: Farm Bureau for females, American Family for males; age 25: American Family for females, North Star for males). 

Open the dropdowns below for full breakdowns.

Young Drivers (standalone)
American Family
$116
Teen Drivers (16) on Family Policy
North Star Insurance
$168 (female) / $172 (male)
Seniors
North Star / GEICO
$65

Cheapest Car Insurance for High-Risk Drivers in North Dakota

American Family is best for speeding tickets ($72/month, tied with North Star), at-fault accidents ($60/month, matching its clean-record rate), DUI ($72/month), and texting while driving ($60/month, also matching its clean-record rate). North Star is the best option for bad credit at $196/month. Learn more about the best car insurance in North Dakota.

North Dakota's bad-credit rates are among the most expensive relative to the state's clean-record market. North Star's $196/month versus GEICO's $56/month clean-record rate represents a 250% premium increase. Within North Star alone, the bad-credit rate is $140/month above its own clean-record rate. Most violations affect rates for three years; DUI convictions affect rates for longer.

Speeding Ticket
American Family / North Star Insurance
$72
At-Fault Accident
American Family
$60
DUI
American Family
$72
Texting While Driving
American Family
$60
Bad Credit
North Star Insurance
$196

Cheapest Car Insurance Quotes in North Dakota by City

GEICO is the best priced in seven of 10 North Dakota cities analyzed; American Family leads in Fargo and Jamestown; Farm Bureau leads in Wahpeton. The largest meaningful gap is between Fargo ($58/month) and Dickinson/Williston ($48/month), a difference of $10/month ($120/year). Fargo is North Dakota's largest city with the highest traffic density; Dickinson and Williston are smaller cities. Several cities cluster near-identically at $51, $51, $52, and $53 per month. Compare car insurance options.

Bismarck
GEICO
$51
Dickinson
GEICO
$48
Fargo
American Family
$58
Grand Forks
GEICO
$49
Jamestown
American Family
$55
Mandan
GEICO
$51
Minot
GEICO
$52
Wahpeton
Farm Bureau
$55
West Fargo
GEICO
$53
Williston
GEICO
$48

How to Get the Cheapest Car Insurance in North Dakota

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    Compare Both Coverage Types Separately

    The cheapest minimum coverage provider (North Star and Farm Bureau at $25/month) differs from the cheapest full coverage provider (GEICO at $56/month). Choosing GEICO over Farmers saves $92/month ($1,104/year).

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    Consider Comprehensive Coverage for Winter and Wildlife Risks

    North Dakota's severe hail, blizzards and deer and wildlife collisions make comprehensive coverage especially relevant for drivers in the state. GEICO's full coverage at $56/month includes comprehensive protection with a $1,000 deductible.

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    Uninsured and Underinsured Motorist Coverage Is Already Required in North Dakota

    North Dakota mandates 25/50 UM/UIM as part of minimum coverage, so drivers do not need to add it separately. Focus instead on increasing liability limits to 100/300/100 for stronger financial coverage.

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    Enroll in Telematics Programs to Earn Safe-Driver Discounts

    Usage-based insurance programs monitor driving habits and reward safe drivers with lower premiums. Progressive offers the Snapshot program, and GEICO offers DriveEasy for North Dakota drivers.

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    Bundle Auto and Home Insurance for Multi-Policy Savings

    Bundling auto with homeowners or renters insurance saves 10% to 25% on premiums. American Family and Farm Bureau offer strong bundling discounts for North Dakota policyholders.

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    Take a Defensive Driving Course to Lower Your Rate

    You can reduce auto insurance rates by 5% to 10% in North Dakota by completing an approved defensive driving course. Check with your insurer directly for a list of approved courses that qualify for the discount.

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    Re-Shop Your Policy After Violations Drop Off Your Record

    Most traffic violations affect auto insurance rates for three years, while a DUI affects rates for longer. Once violations drop off your driving record, re-shopping your policy can lock in lower premiums.

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    Improve Your Credit Score to Reduce North Dakota Auto Insurance Costs

    Credit improvement is important in North Dakota. North Star's cheapest bad-credit rate of $196/month is $140/month above GEICO's clean-record full coverage rate of $56/month, a difference of approximately 250%. Paying down debt and monitoring credit reports can meaningfully reduce premiums.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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