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: November 11, 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.
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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 show overall winners, but your cheapest option depends on your profile. Grinnell charges just $190 monthly for adults with poor credit and an accident who want 100/300/100 full coverage. Filter the table to match your situation:
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $100 | $1,198 | -17% |
| American Family | $59 | $711 | -51% |
| Grinnell Insurance | $108 | $1,301 | -10% |
| Geico | $93 | $1,116 | -23% |
| Farm Bureau | $101 | $1,208 | -16% |
*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:
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:
100/300/100 Full Cov. w/$1,000 Ded.
Female
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $225 | $2,700 | -27% |
| American Family | $114 | $1,367 | -63% |
| Grinnell Insurance | $249 | $2,986 | -19% |
| North Star Insurance | $217 | $2,606 | -30% |
| Geico | $252 | $3,027 | -18% |
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:
100/300/100 Full Cov. w/$1,000 Ded.
Female
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $100 | $1,198 | -17% |
| American Family | $59 | $711 | -51% |
| Grinnell Insurance | $108 | $1,301 | -10% |
| Geico | $93 | $1,116 | -23% |
| Farm Bureau | $101 | $1,208 | -16% |
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:
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| American Family | $68 | $811 | -53% |
| Grinnell Insurance | $130 | $1,555 | -10% |
| North Star Insurance | $112 | $1,349 | -22% |
| Geico | $114 | $1,367 | -21% |
| Farm Bureau | $128 | $1,537 | -11% |
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:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
At Fault Accident ($1000-$1999 Prop Dmg)
| Grinnell Insurance | $255 | $3,060 | -45% |
| Auto Owners | $351 | $4,208 | -24% |
| North Star Insurance | $339 | $4,065 | -27% |
| Geico | $362 | $4,345 | -22% |
| Farm Bureau | $390 | $4,677 | -16% |
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:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
| Progressive | $86 | $1,036 | -49% |
| Auto Owners | $149 | $1,789 | -12% |
| American Family | $72 | $864 | -57% |
| State Farm | $105 | $1,263 | -38% |
| Farm Bureau | $106 | $1,276 | -37% |
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:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
| Auto Owners | $100 | $1,198 | -19% |
| American Family | $60 | $724 | -51% |
| North Star Insurance | $109 | $1,304 | -12% |
| Geico | $98 | $1,179 | -20% |
| Farm Bureau | $103 | $1,234 | -17% |
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:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
| Auto Owners | $87 | $1,043 | -19% |
| North Star Insurance | $72 | $867 | -32% |
| American Family | $72 | $864 | -33% |
| Geico | $89 | $1,063 | -17% |
| Farm Bureau | $81 | $970 | -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.
- 1Compare Multiple Insurance Providers
Get quotes from several insurers through independent agents, comparison sites and directly from companies. Where you get quotes affects your rates, so check multiple sources.
- 2Determine Your Coverage Needs
Know what coverage you need before buying extras you don't. Think about your car's value, your assets and how much risk you can handle.
- 3Evaluate Coverage Levels
Adjust your coverage and deductibles based on your budget and comfort with risk. Look at your finances, how much you drive and what you're driving before deciding.
- 4Research Costs and Discounts
Check what drivers like you pay to see where you can save. Ask about discounts and bundle your home and auto policies to cut costs.
- 5Consider Alternative Insurance Options
Try pay-per-mile insurance if you rarely drive or telematics programs that track safe driving. Some car manufacturers offer their own insurance programs with lower rates.
- 6Improve Your Risk Profile
Build your credit score and keep your driving record clean. Both affect your rates and can save you hundreds yearly.
- 7Choose a Cost-Effective Vehicle
When shopping for a car, pick models that cost less to insure. Older, reliable cars usually mean lower premiums and maintenance costs.
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
Our insurance experts answer common questions about finding affordable North Dakota car insurance.
What are the cheapest car insurance companies in North Dakota?
North Star Insurance offers North Dakota's cheapest car insurance at $312 yearly for minimum coverage and $804 for full coverage. GEICO, American Family, Farm Bureau and Progressive also offer low rates.
Who has the cheapest car insurance rates for young drivers in North Dakota?
North Star charges young drivers in North Dakota just $50 monthly.
Who offers the cheapest car insurance rates for seniors in North Dakota?
Senior drivers 65 and older pay about $25 monthly with North Star Insurance.
Who has the cheapest car insurance in North Dakota for bad credit?
North Star Insurance charges drivers with bad credit $60 monthly for minimum coverage and $196 for full coverage.
Who has the cheapest car insurance in North Dakota with an accident?
American Family charges just $33 monthly for minimum coverage after an accident.
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
North Dakota's rural landscape and small-town roads mean finding cheap car insurance depends heavily on where you live and your driving history. We designed our research to account for rate variations across every ZIP code, from Fargo to small farming communities, so you can see what drivers in your exact area actually pay.
Our Research Approach
We pulled auto insurance data from the North Dakota Department of Insurance and Quadrant Information Services, then analyzed quotes from 12 major insurers across more than 200 million rate comparisons covering every residential ZIP code in North Dakota. This statewide approach matters because North Dakota rates vary dramatically between urban areas like Bismarck and rural counties.
Sample Driver Profile
We started with a baseline profile representing North Dakota's typical insured driver: a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, 12,000 miles driven yearly, good credit, a valid license, current insurance and no claims history. We picked this profile because it reflects North Dakota's median driver age and the state's most commonly insured vehicle type.
From there, we adjusted the profile to match different driver situations you might face: young drivers just getting licensed, seniors 65 and older, drivers with credit challenges and those with recent accidents. These variations show how your personal factors change what you'll actually pay.
Coverage Levels We Compared
We compared both minimum coverage (meeting North Dakota's legal requirements of 25/50/25) and full coverage policies. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with a $1,000 deductible. We chose this full coverage level because it provides strong financial protection without excessive premiums, balancing cost with coverage for most North Dakota drivers who own their vehicles outright or have paid off loans.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed November 17, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed November 17, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed November 17, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed November 17, 2025.
