Cheapest Car Insurance in North Dakota

GEICO has the cheapest full coverage in North Dakota at $659 a year or $55 a month. American Family is next at $718 a year, only $59 more than GEICO.

Regional carrier North Star charges $754 annually. The $95 difference between GEICO and North Star is equal to almost two months of coverage when choosing the national carrier. Farm Bureau and Progressive round out the top five at $807 and $867 a year.

Drivers looking for the lowest liability-only rate in North Dakota will find Farm Bureau at the top with a $293 yearly price, or $24 a month, which is 41% below the state average. North Star follows closely at $295 a year, only $2 more for the same state-required coverage.

GEICO comes in at $303 a year, while American Family charges $399. Choosing Farm Bureau instead of American Family saves $106 annually, which is almost the cost of five months of Farm Bureau’s minimum coverage.

GEICO offers the lowest minimum coverage rates in 12 of North Dakota’s 19 largest cities. Monthly premiums vary across the state, with Casselton drivers paying $20 while Grafton drivers pay $29, creating a $108 yearly difference for nearby communities.

Teen drivers in North Dakota will find North Star has the lowest rate for 16-year-olds at $69 a month. By age 25, that drops to $28 a month with the same carrier, which translates to $492 in yearly savings as drivers gain experience and transition into young adults.

American Family becomes a strong option at age 18 with a $77 monthly rate, beating North Star’s price that year. North Star returns as the cheapest choice at age 19 with a $58 monthly rate.

This back-and-forth continues into the early twenties, with American Family leading at age 20 at $61 a month before North Star becomes the permanent lowest-priced carrier by age 25.

Note: Teens under 18 usually need a parent or guardian to cosign before they can purchase auto insurance.

Senior drivers in North Dakota will find Nodak Mutual is the cheapest option for 65-year-olds at $48 a month. At ages 70 and 80, North Star becomes the lowest-priced choice with rates between $25 and $28 a month. This creates an unusual trend where minimum coverage drops by $20 to $23 as seniors age.

Full coverage increases slowly from $42 a month at age 65 with Nodak Mutual to $71 a month at age 80 with North Star. These rates are 38% to 44% below the North Dakota state averages for senior drivers across all age groups.

State Farm has the lowest minimum coverage rate for drivers with a DUI in North Dakota at $36 a month, with American Family close behind at $37. For full coverage after a DUI, American Family leads at $72 a month, while State Farm charges $105.

The $33 monthly gap between American Family and State Farm for full coverage adds up to $396 a year, giving American Family the stronger option for high-risk drivers who want broader protection.

SR-22 insurance costs vary across North Dakota, but North Star and GEICO share the lowest rate at $38 a month. For full coverage with an SR-22 filing, American Family offers the cheapest option at $92 a month, followed by North Star at $96 and GEICO at $100.

Nodak Mutual and Progressive both charge $107 a month for full coverage with an SR-22, which is $15 more than American Family’s rate.

Drivers who need non-owner coverage will find State Farm has the lowest rate in North Dakota at $49 a month, which is 21% under the state average. GEICO comes next at $52 a month, and Nationwide is higher at $67 a month.

The $18 monthly difference between State Farm and Nationwide adds up to $216 a year. Non-owner policies offer liability coverage only for damage you cause to others, which is why they are usually cheaper than standard auto insurance.

If you have an at-fault accident on your record, American Family provides the most affordable minimum coverage at $33 a month, which is 49% below the North Dakota state average. For full coverage, American Family also leads at $60 a month, while North Star charges $109 a month. That $49 monthly gap adds up to $588 a year.

Premiums often rise about 20% to 40% after an at-fault accident and can remain higher for three to five years.

Drivers with a speeding ticket will find North Star has the lowest minimum coverage rate at $28 a month, or $335 a year. Farm Bureau is close behind at $29 a month, which works out to only a $12 yearly difference between the two.

For full coverage after a speeding ticket, North Star and American Family are tied at $72 a month, while GEICO charges $89 a month. The $17 monthly gap between the leaders and GEICO adds up to $204 in yearly savings.

North Star offers the cheapest minimum coverage for drivers with bad credit at $52 a month, or $621 a year. For full coverage, North Star and GEICO are tied at $168 a month, while Farm Bureau comes in at $216 a month, which is $48 higher than the lowest rate.

The $30 monthly difference between North Star at $52 and GEICO at $90 adds up to $360 in yearly savings for drivers with poor credit.

North Dakota car insurance costs vary by location, driving record, age and credit score. Farm Bureau's minimum coverage starts at $293 per year, while GEICO's full coverage averages $659 per year. You can save hundreds by comparing insurers and maximizing available discounts.

These are some of the most common questions drivers ask when shopping for affordable North Dakota auto insurance and our experts share clear answers below.

Our Research Approach

North Dakota drivers get some of the nation's lowest car insurance rates, but finding the best deal still requires comparing options carefully. We built this analysis around North Dakota's specific insurance landscape, from harsh winter driving conditions to rural commute patterns, to help you identify which insurers actually deliver value for drivers like you.

We collected auto insurance data from the North Dakota Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in North Dakota.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents typical North Dakota drivers without violations or poor credit that increase premiums. You'll see base rates here. Your personal quote will adjust based on your specific driving history, credit and location.

Coverage Levels We Compared

We analyzed two coverage scenarios:

Minimum coverage: North Dakota's required liability limits of $30,000 per person for bodily injury, $60,000 per accident for bodily injury and $30,000 per accident for property damage (30/60/30). This meets legal requirements but often falls short in serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle. This protection is particularly important against North Dakota's hail storms and wildlife collisions.

Location Affects Your Rate

North Dakota rates vary between Fargo's urban traffic patterns and rural areas where wildlife collisions are common. Your exact ZIP code influences your premium because insurers factor in local claim patterns, from frequent hail damage in certain regions to higher deer collision rates in rural counties.

For more information, see the detailed methodology here.