American Family and GEICO tie for the cheapest full coverage in North Dakota at $63 a month, but American Family is the better pick for most drivers. American Family is cheapest for teens ($219 to $223 a month), seniors ($58 a month), and every violation ($63 to $75 a month). It also edges GEICO on customer experience. GEICO is cheapest for minimum coverage at $28 a month and for bad credit at $233 a month.
Cheapest Car Insurance in North Dakota for 2026
Updated: September 4, 2026
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GEICO | $28 | 4.40/5 | |
GEICO | $63 | 4.40/5 | |
American Family | $219-$223 | 4.39/5 | |
American Family | $72 | 4.39/5 | |
American Family | $58 | 4.39/5 | |
American Family | $75 | 4.39/5 | |
American Family | $63 | 4.39/5 | |
American Family | $63 | 4.39/5 | |
American Family | $75 | 4.39/5 | |
GEICO | $233 | 4.40/5 |
GEICO
GEICO / Best Cheap Car Insurance for Full Coverage in North Dakota
GEICO is the best cheap full coverage pick in North Dakota at $63 a month. GEICO ties American Family for the lowest rate but edges it on overall MoneyGeek score, third in the state, mostly on affordability. GEICO's coverage options are limited, ranking sixth of seven, and claims go through its app rather than a local agent. Seniors and families with teens who want a local agent can get one from American Family at a similar price.
Cheapest Car Insurance by Coverage Type in North Dakota
GEICO | $28 | $63 | 4.40/5 |
American Family | $33 | $63 | 4.39/5 |
Progressive | $36 | $75 | 4.55/5 |
Farm Bureau | $31 | $86 | 4.36/5 |
Auto-Owners | $35 | $88 | 4.62/5 |
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Cheapest Minimum Coverage in North Dakota
GEICO is cheapest for minimum coverage in North Dakota at $28 a month, $3 less than Farm Bureau at $31. Farm Bureau's edge is service. It ranks third in the state for customer experience against GEICO's sixth, and it offers local agents while GEICO works by app and phone. But Farm Bureau charges a $25 to $50 annual membership, so it actually costs $61 to $86 a year more than GEICO. For minimum coverage, where your insurer mostly deals with the other driver's claim when you're hit, GEICO's lower price makes it the stronger pick for most drivers.
Cheapest Full Coverage in North Dakota
GEICO and American Family tie for the cheapest full coverage in North Dakota at $63 a month. That's $35 more than GEICO's $28 minimum, the cost of adding collision and comprehensive.
Do You Need Minimum Coverage or Full Coverage in North Dakota?
Full coverage costs $63 a month at GEICO in North Dakota, compared to $28 for minimum coverage, a $35 difference. Both levels include $30,000 in personal injury protection since North Dakota is a no-fault state. This PIP pays your own medical bills after a crash, regardless of fault. Minimum coverage skips collision and comprehensive, the two coverage types that pay for damage to your own vehicle.
North Dakota ranks among the highest states for deer collisions. Hail season adds another layer of risk. Comprehensive coverage handles both; minimum coverage handles neither. A cheap or older car may not be worth insuring at the full coverage level, so minimum can still be the cheaper long-term choice. Lenders and leasing companies require full coverage no matter the vehicle's value.
Estimate costs at each coverage level with North Dakota's car insurance calculator.
Cheapest Car Insurance for Teens and Young Adults in North Dakota
American Family is the cheapest insurer for North Dakota teens at every age from 16 to 25. At 16, rates start at $223 a month for males and $219 for females. By 17, the rate drops to $163. By 25, it falls to $72.
American Family ranks fourth of five insurers for customer experience in North Dakota, putting its service in the middle of the pack. Teens file more claims than any other age group, which explains the steep early pricing. By 25, drivers reach a standalone policy rate worth comparing against staying on a family plan. The how to switch car insurance companies guide walks through that comparison process.
American Family | $219 | American Family | $223 | |
American Family | $160 | American Family | $163 | |
American Family | $138 | American Family | $140 | |
American Family | $121 | American Family | $123 | |
American Family | $107 | American Family | $109 | |
American Family | $96 | American Family | $97 | |
American Family | $88 | American Family | $89 | |
American Family | $81 | American Family | $82 | |
American Family | $76 | American Family | $77 | |
American Family | $71 | American Family | $72 |
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Cheapest Car Insurance for Seniors in North Dakota
American Family is the cheapest insurer for seniors in North Dakota at $58 a month, and it also rates higher than GEICO for customer experience. Since seniors file more claims than younger drivers, that service edge is important. American Family works through local agents, while GEICO is at $60 a month with 24/7 app-based claims.
American Family | $58 | 3.75/5 |
GEICO | $60 | 3.65/5 |
Progressive | $72 | 3.90/5 |
Farm Bureau | $76 | 3.89/5 |
North Star Insurance | $86 | 3.48/5 |
Your Next Step:
Get your real quotes from trusted insurance providers.
GEICO
GEICO / Best Cheap Car Insurance for Seniors in North Dakota
GEICO's app lets seniors file, track, and manage a claim at any hour, not just when an office is open. That around-the-clock access is GEICO's main advantage for seniors. At $60 a month, it's just $2 above the cheapest senior rate, so that convenience costs very little.
Cheapest Car Insurance by City in North Dakota
GEICO is the cheapest insurer in most North Dakota cities, including the three largest: Fargo, Bismarck and Grand Forks. It also leads in the western oil-region towns of Williston and Dickinson. Farm Bureau is cheapest in smaller towns like Horace and Wahpeton, at $20 a month. North Star takes several other cities, including Bottineau, Devils Lake and Rugby.
Rates across all 20 cities span just $6. Picking the right insurer matters more than picking the right city.
Horace | Farm Bureau | $20 |
Wahpeton | Farm Bureau | $20 |
Jamestown | Farm Bureau | $21 |
Valley City | Farm Bureau | $21 |
Dickinson | GEICO | $22 |
Williston | GEICO | $22 |
Bismarck | GEICO | $23 |
Grand Forks | GEICO | $23 |
Mandan | GEICO | $23 |
West Fargo | Farm Bureau | $23 |
Bottineau | North Star Insurance | $24 |
Devils Lake | North Star Insurance | $24 |
Fargo | GEICO | $24 |
Grafton | North Star Insurance | $24 |
Minot | GEICO | $24 |
Rugby | North Star Insurance | $24 |
Beulah | GEICO | $26 |
Hazen | GEICO | $26 |
Stanley | GEICO | $26 |
Watford City | GEICO | $26 |
Your Next Step:
Get your real quotes from trusted insurance providers.
Cheapest Car Insurance for High Risk Drivers in North Dakota
American Family is cheapest across every high-risk profile in North Dakota. An at-fault accident or a texting ticket doesn't raise its rate at all, so both stay at the $63 clean-record price. A speeding ticket or a DUI adds $12, for a rate of $75. A DUI also requires an SR-22, filed with the North Dakota Department of Transportation and kept active for one year from reinstatement. Both American Family and GEICO file it. For bad credit, GEICO is cheapest at $233 a month, $170 above its good-credit rate, since North Dakota lets insurers use credit when calculating rates.
Speeding Ticket | American Family | $75 | 3.75/5 |
At-Fault Accident | American Family | $63 | 3.75/5 |
DUI | American Family | $75 | 3.75/5 |
Texting While Driving | American Family | $63 | 3.75/5 |
Bad Credit | GEICO | $233 | 3.65/5 |
Your Next Step:
Get your real quotes from trusted insurance providers.
How to Get Cheaper Car Insurance in North Dakota
Credit and carrier choice drive the biggest savings on North Dakota car insurance. Improving credit from poor to good can lower a GEICO rate by $170 a month. Switching from the most expensive full coverage insurer to the cheapest saves another $25 a month.
- 1
Compare at least three North Dakota insurers and save $25 a month
GEICO and American Family both price full coverage at $63 a month, $25 less than Auto-Owners at $88. Quote GEICO, American Family and Progressive before renewing to find the lowest rate for your profile. Use the North Dakota car insurance calculators to see how your ZIP code affects that rate.
- 2
Match your coverage to your car's value and save $35 a month
Full coverage costs $35 more a month than minimum at GEICO, $63 versus $28. If your car isn't worth much, minimum saves money, though a loan or lease requires full coverage. North Dakota's deer and hail risk makes comprehensive worth keeping if your car has real value. Use the how much car insurance you need guide to find your vehicle's current actual cash value.
- 3
Bundle home and auto and reduce your premium
American Family has the cheapest home and auto bundle in the state at $2,298 a year, and it's already the cheapest auto carrier for most drivers here. State Farm and Farmers offer bigger discounts, but their totals are higher, so compare the full price, not the discount. Compare bundle savings across those four insurers at best home and auto bundle in North Dakota before deciding.
- 4
Re-shop after a violation and save $12 a month
A speeding ticket or DUI adds $12 a month to American Family's rate. Set a reminder and re-quote once the increase clears, since it won't come off on its own.
- 5
Improve your credit before renewal and save $170 a month
GEICO charges $233 a month with poor credit versus $63 with good credit, a $170 difference for the same driver and coverage. North Dakota lets insurers use credit, so re-quote about 45 days after your credit improves rather than waiting for a mid-policy recheck.
- 6
Enroll in a telematics or discount program at your current carrier
If you're already with American Family, GEICO, or Progressive in North Dakota, each insurer offers a usage-based program that tracks how you drive and adjusts your rate accordingly.
American Family KnowYourDrive: American Family already has the lowest full coverage rate in North Dakota at $63/month. Any KnowYourDrive discount extends that advantage.
GEICO DriveEasy: DriveEasy can lower your GEICO rate at renewal. Poor driving scores can raise it, so track your behavior during the monitoring period.
Progressive Snapshot: Progressive says Snapshot participants save an average of $322/year at renewal. Enroll when you're driving normally, not before a long road trip or a winter stretch with unusual routing.
Rates come from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in North Dakota. Carriers are required to file rates with the state regulator before charging them; these are filed rates, not estimates or online quote approximations. MoneyGeek analyzed rates from carriers covering the North Dakota market.
Baseline driver profile: 40-year-old male, 2012 Toyota Camry LE, clean driving record, good credit, 12,000 miles annually, no prior claims. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is North Dakota's mandated 25/50/25 liability limits, plus the state's required $30,000 personal injury protection and 25/50 uninsured/underinsured motorist coverage.
Profile variations analyzed:
- Young drivers: Ages 16–25, standalone policy added to a family plan, split by gender (North Dakota permits gender as a rating factor)
- Seniors: 70-year-old driver, same vehicle and coverage as the baseline
- Violations: Baseline profile with one driving record variable changed; all other variables held constant. Violations analyzed: speeding (11–15 MPH over the limit), at-fault accident ($1,000–$1,999 property damage), DUI (BAC ≥ .08), and texting while driving
- Poor credit: Baseline profile with credit tier changed to poor. North Dakota permits credit-based insurance scoring
USAA is excluded from all provider tables; it's available only to military members, veterans, and their immediate families. Eligible drivers should include USAA in any quote comparison.
MoneyGeek scores carriers on three factors.
- Affordability (60% of score): normalized rates across all carriers within each driver profile; a lower rate relative to competitors produces a higher affordability score, calculated separately per profile.
- Customer Experience (30%): JD Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings, and Google Business ratings; 2024-2025 data weighted twice as heavily as older data.
- Coverage Options (10%): number of add-on coverages available and included benefits.
North Dakota-specific notes:
- North Dakota operates under a no-fault system; personal injury protection pays medical bills after an accident regardless of fault, up to $30,000
- North Dakota requires an SR-22 filing for DUI convictions; per the North Dakota Department of Transportation, the filing must stay active for one year from the date of reinstatement
- North Dakota permits gender as a rating factor
- North Dakota permits credit-based insurance scoring
- North Dakota ranks among the highest states for deer-vehicle collisions, a factor in comprehensive claim frequency and the state's hail season adds to that exposure.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.