Cheapest Car Insurance in North Dakota (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
Contribution by1 expert
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byRae Osborn
Contribution by1 expert
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Updated: June 14, 2024

Advertising & Editorial Disclosure

Nodak Mutual offers the cheapest minimum coverage auto insurance in North Dakota. Several other insurers are also worth considering, including American Family and USAA, depending on your driver profile.

Our analysis of the top car insurance companies in Nebraska ranks providers by a mixture of quality service and cost.

Why Trust MoneyGeek? North Dakota car insurance rates are based on a thorough analysis of data from the North Dakota Insurance Department and Quadrant Information Services.

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These rates reflect the cheapest car insurance quotes in North Dakota as of June 2024.

14,296Quotes Analyzed
 
11Companies Compared
 
11ZIP Codes

Cheapest Minimum Liability Car Insurance in North Dakota (June 2024)

In North Dakota, the cheapest car insurance policies are those that meet the state’s minimum requirements. The following companies offer the cheapest minimum car insurance in North Dakota:

  • Nodak Mutual: $232 per year
  • American Family: $307 per year

Allstate minimum coverage policies average $736 per year and are the most expensive in North Dakota.

Keep in mind that a minimum coverage policy only covers bodily injury liability and property damage liability.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
Nodak MutualAnnual Premium$232Monthly Premium$19
American FamilyAnnual Premium$307Monthly Premium$26
GEICOAnnual Premium$308Monthly Premium$26
NationwideAnnual Premium$315Monthly Premium$26
State FarmAnnual Premium$332Monthly Premium$28
Auto-Owners Insurance CoAnnual Premium$340Monthly Premium$28
ProgressiveAnnual Premium$372Monthly Premium$31
FarmersAnnual Premium$510Monthly Premium$42

Minimum coverage insurance pays for damages and injuries you inflict on other drivers during an accident. Such policies don’t cover damages to your vehicle.

A full coverage policy, which includes comprehensive and collision insurance, will pay for damages to your car.

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Find the Best Car Insurance in North Dakota for You

 

Your preferred insurer and insurance requirements will impact the cost of your car insurance policy. The table above illustrates the different rates for a minimum coverage policy in North Dakota.

Learn how much car insurance you need.

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MoneyGeek analyzed the best auto insurance companies in North Dakota based on service and cost.

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MoneyGeek analyzed the average cost of car insurance in North Dakota for different driver profiles and other factors.

Cheapest Full Coverage Car Insurance in North Dakota (June 2024)

The following companies offer the cheapest full coverage auto insurance in North Dakota:

  • American Family: $646 per year
  • Nationwide: $693 per year

Grinnell Mutual provides full coverage at an average of $1,411 per year — the most expensive in North Dakota.

Having full coverage may mean paying extra each month. For example, a full coverage American Family policy costs each driver an additional $339 per year. However, you are fully protected against significant expenses in case of an accident.

A full coverage policy with collision insurance covers on-road accidents like hitting a tree and off-road incidents like flooding and theft.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$646Monthly Premium$54
NationwideAnnual Premium$693Monthly Premium$58
GEICOAnnual Premium$750Monthly Premium$62
Nodak MutualAnnual Premium$777Monthly Premium$65
ProgressiveAnnual Premium$966Monthly Premium$81
Auto-Owners Insurance CoAnnual Premium$1,029Monthly Premium$86
State FarmAnnual Premium$1,064Monthly Premium$89
FarmersAnnual Premium$1,082Monthly Premium$90

If you want to ensure you have enough coverage, the following liability protection can be a good starting point:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

The above coverage limits provide sufficient protection for average drivers. You can drop comprehensive and collision insurance or raise the deductible if you want to save on your monthly premiums. However, you might not have enough protection in case of an accident.

How to Compare Cheap North Dakota Car Insurance Quotes Online

When shopping for auto insurance, drivers can compare rates online by visiting a prospective insurer’s website and going through the pre-application process. However, this can take 15 minutes or more for each company.

MoneyGeek’s online calculator can help you quickly compare rates from the top insurers in your state without providing personal information.

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Rates updated:

Jun 18, 2024

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Cheapest Car Insurance in North Dakota by Age (June 2024)

Age is one of the biggest factors affecting car insurance rates in North Dakota. MoneyGeek found that State Farm offers the cheapest options on average for teens, while American Family is the most affordable for both young adults and seniors.

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CHEAPEST BY AGE

Cheapest Car Insurance in North Dakota for Teens and Their Families (June 2024)

Parents who want to add teen drivers to their policies will find the cheapest car insurance rates from:

  • State Farm: $1,200 per year for male and female teens
  • Nationwide: $1,437 per year for male and female teens

For comparison, GEICO is the most expensive in North Dakota, averaging $4,346 per year for male and female teens.

Teens pay different car insurance premiums depending on age because their rates tend to go lower as they age. It results in a 19-year-old driver paying a significantly lower rate than a 16-year-old driver. State Farm ($1,048 per year) offers the cheapest car insurance rates for 19-year-old male drivers in North Dakota.

The most cost-effective way to insure teen drivers is to add them to a parent’s insurance policy. An individual policy for a teen costs an average of $4,825 per year. Families can save around $2,936 each year by adding teens to an existing policy.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
State FarmFamily Plan Annual Premium$1,200Individual Plan Annual Premium$1,252
NationwideFamily Plan Annual Premium$1,437Individual Plan Annual Premium$1,730
ProgressiveFamily Plan Annual Premium$2,406Individual Plan Annual Premium$3,174
AllstateFamily Plan Annual Premium$2,871Individual Plan Annual Premium$3,833
KemperFamily Plan Annual Premium$3,226Individual Plan Annual Premium$4,791
GEICOFamily Plan Annual Premium$4,346Individual Plan Annual Premium$3,932
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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Families looking to save on car insurance may be able to get discounts for young drivers.

Nationwide and State Farm offer student discounts for good grades (B average or better). Additionally, State Farm offers discounts to students who move away to school and only use the car when home.

Cheapest Car Insurance in North Dakota for Young Adults (June 2024)

The following companies are the cheapest in North Dakota for drivers in their 20s:

  • American Family: $744 per year
  • Nationwide: $807 per year

Grinnell Mutual offers the most expensive policies at $1,890 per year.

In North Dakota, young adult drivers pay more for car insurance than middle-aged drivers. Policies for 40-year-old drivers are often about $201 cheaper than for 25-year-olds.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$744Monthly Premium$62
NationwideAnnual Premium$807Monthly Premium$67
Nodak MutualAnnual Premium$852Monthly Premium$71
GEICOAnnual Premium$929Monthly Premium$77
ProgressiveAnnual Premium$1,210Monthly Premium$101
FarmersAnnual Premium$1,259Monthly Premium$105
AllstateAnnual Premium$1,283Monthly Premium$107
State FarmAnnual Premium$1,324Monthly Premium$110

Cheapest Car Insurance in North Dakota for Seniors (June 2024)

The cheapest full coverage car insurance in North Dakota for senior drivers comes from:

  • American Family: $577 per year
  • Nodak Mutual: $590 per year

Allstate sells policies at an average of $1,272 per year, the most expensive for this age group.

Compared with rates for 40-year-old drivers, senior drivers typically pay less. Seniors pay around $91 less per year for policies than 40-year-olds. However, premiums tend to increase as drivers reach their 70s and 80s.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$577Monthly Premium$48
Nodak MutualAnnual Premium$590Monthly Premium$49
GEICOAnnual Premium$618Monthly Premium$52
NationwideAnnual Premium$623Monthly Premium$52
ProgressiveAnnual Premium$913Monthly Premium$76
State FarmAnnual Premium$938Monthly Premium$78
Auto-Owners Insurance CoAnnual Premium$968Monthly Premium$81
FarmersAnnual Premium$1,047Monthly Premium$87

Allstate, American Family, Farmers and GEICO offer discounts to senior drivers. Insurers use other factors besides age to set rates, so it’s good practice to shop around when looking for any type of insurance.

Cheapest Car Insurance for Higher Risk Drivers (June 2024)

American Family is the cheapest auto insurance for those with tickets, accidents, or DUIs on their records and for drivers of sports cars. Having a violation on your driving record can increase your rates. However, you may still be able to find affordable insurance.

Nationwide is the most affordable for people with poor credit.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American Family ($762 per year)
Cheapest after an accident: American Family ($646 per year)
Cheapest after a DUI: American Family ($762 per year)
Cheapest for poor credit: Nationwide ($973 per year)
Cheapest for sports cars: American Family ($602 per year)

Cheapest Car Insurance in North Dakota After a Ticket

The following offer the most affordable car insurance in North Dakota for drivers with a speeding ticket:

  • American Family: $762 per year
  • Nationwide: $805 per year

Grinnell Mutual is the most expensive in North Dakota for this driver profile at $1,450 per year.

Drivers in North Dakota with a speeding ticket on record pay an extra $132 each year compared with drivers with clean records.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$762Monthly Premium$64
NationwideAnnual Premium$805Monthly Premium$67
GEICOAnnual Premium$876Monthly Premium$73
Nodak MutualAnnual Premium$921Monthly Premium$77
State FarmAnnual Premium$1,058Monthly Premium$88
Auto-Owners Insurance CoAnnual Premium$1,150Monthly Premium$96
ProgressiveAnnual Premium$1,188Monthly Premium$99
AllstateAnnual Premium$1,362Monthly Premium$113

Cheapest Car Insurance in North Dakota After an Accident

The companies offering the cheapest auto insurance after an at-fault accident are:

  • American Family: $646 per year
  • Nationwide: $693 per year

The most expensive company, GEICO, offers policies at $1,601 per year.

In North Dakota, your insurance rates may increase by an average of $273 yearly if you have an at-fault accident on your record compared with drivers with a clean record.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$646Monthly Premium$54
NationwideAnnual Premium$693Monthly Premium$58
Nodak MutualAnnual Premium$1,013Monthly Premium$84
State FarmAnnual Premium$1,127Monthly Premium$94
Auto-Owners Insurance CoAnnual Premium$1,302Monthly Premium$108
Grinnell MutualAnnual Premium$1,450Monthly Premium$121
ProgressiveAnnual Premium$1,457Monthly Premium$121
FarmersAnnual Premium$1,520Monthly Premium$127

Cheapest Car Insurance in North Dakota After a DUI

MoneyGeek found that the cheapest car insurance companies for drivers with a DUI are the following:

  • American Family: $762 per year
  • State Farm: $1,058 per year

GEICO sells the most expensive policies at $2,447 per year.

A DUI can increase your premiums by an average of $503 more per year.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$762Monthly Premium$64
State FarmAnnual Premium$1,058Monthly Premium$88
ProgressiveAnnual Premium$1,066Monthly Premium$89
Nodak MutualAnnual Premium$1,212Monthly Premium$101
NationwideAnnual Premium$1,247Monthly Premium$104
Grinnell MutualAnnual Premium$1,450Monthly Premium$121
FarmersAnnual Premium$1,482Monthly Premium$123
Auto-Owners Insurance CoAnnual Premium$1,874Monthly Premium$156

Cheapest Car Insurance in North Dakota for Drivers With Poor Credit (June 2024)

Drivers with poor credit pay more for car insurance than those with good credit. However, you can find affordable policies from the following in North Dakota:

  • Nationwide: $973 per year
  • American Family: $999 per year

Auto-Owners Insurance Co offers the most expensive full coverage insurance for drivers with poor credit at $2,957 per year.

Having a poor credit score can add $827 to your car insurance premium.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
NationwideAnnual Premium$973Monthly Premium$81
American FamilyAnnual Premium$999Monthly Premium$83
GEICOAnnual Premium$1,191Monthly Premium$99
FarmersAnnual Premium$1,657Monthly Premium$138
ProgressiveAnnual Premium$1,725Monthly Premium$144
Nodak MutualAnnual Premium$1,779Monthly Premium$148
AllstateAnnual Premium$1,781Monthly Premium$148
State FarmAnnual Premium$2,298Monthly Premium$191

People with lower credit scores are more likely to file claims and generally are riskier to insure than those with good credit. As a result, insurance providers charge them more.

Improving credit scores can take time. If you need to save on insurance while working to raise your credit score, compare rates and take advantage of discounts like bundling and installing safety features.

Cheapest Car Insurance in North Dakota for Sports Cars (June 2024)

Insurance rates also differ based on the car model. A sports car is more expensive to insure, but you can find the cheapest sports car insurance from these companies:

  • American Family: $602 per year
  • Nationwide: $739 per year

The most expensive insurer is State Farm at $1,294 per year.

Drivers of a Ford Mustang in North Dakota pay $56 more than Toyota Camry drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
American FamilyAnnual Premium$602Monthly Premium$50
NationwideAnnual Premium$739Monthly Premium$62
GEICOAnnual Premium$1,004Monthly Premium$84
FarmersAnnual Premium$1,017Monthly Premium$85
Auto-Owners Insurance CoAnnual Premium$1,018Monthly Premium$85
AllstateAnnual Premium$1,218Monthly Premium$102
ProgressiveAnnual Premium$1,269Monthly Premium$106
State FarmAnnual Premium$1,294Monthly Premium$108

Luxury, electric, and sports cars are more expensive to insure. MoneyGeek used a Ford Mustang as our sample sports car, but remember that rates may fluctuate based on your car model.


Cheapest Car Insurance in North Dakota for Military Drivers (June 2024)

If you’re an active military member or a veteran, the cheapest insurance company in North Dakota is USAA at $472 per year. USAA is generally the best choice for military members as its policies and discounts are tailored for them.

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MoneyGeek Top Pick
USAA
  • Annual premium: $472
  • Cheapest Rank: First out of 11 companies

USAA offers a military discount and is ranked as the cheapest option in North Dakota for full coverage car insurance in the specified age range.

Cheapest Car Insurance in North Dakota by City

Car insurance costs can vary depending on where in North Dakota you live. The cheapest full coverage policy in Fargo comes from Nationwide, with annual premiums averaging $639. MoneyGeek also examined the different car insurance options in Fargo.

FargoCheapest CompanyNationwideAnnual Premium$639

Car Insurance in North Dakota: What You Need to Know

In North Dakota, drivers must carry bodily injury liability, property damage liability, uninsured motorist protection and personal injury protection. Drivers without their own vehicle are also required to have an insurance alternative.

Learn about minimum car insurance requirements in North Dakota and the recommended liability coverage that ensures your protection.

North Dakota Car Insurance Requirements

Drivers in North Dakota must carry a minimum car insurance which contains bodily injury liability and property damage liability coverage.

Although you can drive legally with this minimum requirement, ensuring you have full protection can save you a lot of money should an accident occur. At the very least, MoneyGeek recommends having enough liability coverage.

North Dakota drivers with repeated driving offenses must also have an SR-22.

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    Bodily Injury Liability

    Minimum car insurance laws in North Dakota state that drivers should have at least $25,000 bodily injury liability per person and $50,000 bodily injury liability per accident. This minimum requirement is an estimate, so you will likely need higher coverage to ensure full protection.

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    Property Damage Liability

    Similarly, drivers in North Dakota need at least $25,000 for property damage liability, which pays for the damages caused to another person’s vehicle.

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    Uninsured Motorist Coverage

    Uninsured motorist coverage protects you when you’ve been in an accident with an uninsured motorist. Drivers in North Dakota must have coverage of at least $25,000 per person and $50,000 per accident.

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    Personal Injury Protection

    This type of coverage protects you against medical expenses. Not all states require PIP. However, you need at least $30,000 in personal injury protection in North Dakota.

MoneyGeek recommends having $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability per accident and $100,000 in property damage insurance per accident.

Drivers who finance their cars should get a full coverage policy with comprehensive and collision insurance for full protection.

Car Insurance Alternatives in North Dakota

Drivers without their own vehicle should secure non-owner car insurance in North Dakota as an alternative to regular car insurance. Drivers with repeated driving violations will need to file an SR-22 to get their license reinstated.

You can also visit North Dakota’s Department of Transportation (NDDOT) for appointment scheduling and online renewal.

FAQ About Car Insurance in North Dakota

In the following sections, MoneyGeek answers your questions about the cost and quality of car insurance in North Dakota.

Which company offers the cheapest car insurance in North Dakota?
Should you buy the cheapest car insurance available in North Dakota?

Expert Advice on Finding Cheap Car Insurance in North Dakota

To help you find credible and accurate insight into car insurance in North Dakota, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in North Dakota should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in North Dakota take to find affordable car insurance?
Carrie L. Johnson
Carrie L. JohnsonAssociate Professor and Extension Specialist at North Dakota State University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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