Cheapest Car Insurance in North Dakota in 2026

American Family and GEICO tie for the cheapest car insurance in North Dakota at $63 a month for full coverage. For families and high-risk drivers, American Family is the cheapest after an at-fault accident or a texting ticket, at $63 for both violations, and is also the cheapest for teens ($219 to $223) and seniors ($58). Drivers choosing American Family not only get the lowest auto insurance rates in North Dakota, but you can also call their local agents when you need help filing a claim.

For drivers looking for the cheapest car insurance with bad credit, GEICO is the most affordable at $233, which is $170 more than it charges with good credit, so get new quotes once your credit improves.

GEICO has the cheapest minimum coverage car insurance in North Dakota at $28 a month, $3 less than Farm Bureau. GEICO’s affordability is more noticeable, given that Farm Bureau’s policyholders must pay an additional $25 to $50 yearly membership fee, making it $61 to $86 more per year than GEICO. 

For the cheapest full coverage, GEICO and American Family are tied at $63 per month, which is $35 more than GEICO’s minimum for collision and comprehensive.

Drivers who are already members of NDFB and need full coverage should consider Farm Bureau ($86); you don’t have to pay an additional membership fee just for auto insurance coverage.

American Family offers the cheapest car insurance for teens and young adults in North Dakota, available at every age from 16 to 25. If your 16-year-old just got their license, full coverage with American Family costs $223 a month for a male or $219 for a female. When your teen turns 17, their full coverage drops to $163, saving you $720 that year, and by 25, it’s $72.

When each birthday comes up, also get a quote from a local North Star agent, since MoneyGeek’s North Dakota data shows it’s cheapest at some teen ages.

When your child turns 19 or 20, ask American Family and North Star for two prices: one for a policy in your child’s own name, and one for keeping them on your family policy. Family plans usually cost less through the early 20s, but if your child’s own policy comes out cheaper, start their new policy first, then take them off yours, so they’re never without coverage.

American Family is the cheapest car insurance for seniors in North Dakota at $58 a month for full coverage, $5 less than it charges a 40-year-old, so turning 70 can actually lower your policy’s rates. We’d start with American Family since you’ll also have a local agent to sit down with you and walk you through your claims process.

GEICO costs just $2 more, at $60, and its Prime Time Contract for drivers 50 and older with a clean record locks in your price and prevents GEICO from canceling your policy after your first at-fault accident. 

If smooth service matters most, Progressive has the highest customer experience score of the five insurers, at $72 a month.

MoneyGeek’s senior data shows insurers raise prices more after 70 than at any other age, so get new quotes every year at renewal.

GEICO has the cheapest car insurance in 11 out of 12 North Dakota cities MoneyGeek analyzed, at $22 to $24 a month for minimum coverage. Prices differ by just $6 across 20 cities, so your insurer matters more than your town.

If you live in Fargo, Bismarck, Grand Forks or Minot, start with GEICO at $23 to $24 a month. In small towns like Wahpeton, Jamestown, Devils Lake and Bottineau, start with Farm Bureau or North Star Insurance instead.

Farm Bureau costs $20 in Horace and Wahpeton or $22 to $24 with its yearly membership fee, but you get access to an agent you can call after an accident, to update your policy or even drop coverage if money gets tight.

Moving to North Dakota, or to a new town in the state? Tell your insurer your new address right away, then get new quotes since your price depends on where you park at night, and the North Dakota Insurance Department treats a wrong address as insurance fraud, which can cost you your coverage.

American Family offers the cheapest car insurance for high-risk drivers after every violation in North Dakota. After an at-fault accident or texting ticket, American Family’s full coverage rate stays at $63 a month, the same as with a clean record ($63), and after a speeding ticket or DUI, American Family increases it by just $12 to $75 a month.

A DUI also requires an SR-22, a form your insurer files with the state to prove you’re insured, for one year after you get your license back. American Family and GEICO both file an SR-22, so you won’t have to search for an insurer that will file it. If your credit is low, GEICO has the cheapest full coverage at $233 a month, so get new quotes once your credit improves.