1. Home
  2. The Best Affordable Car Insurance in North Dakota for 2020

The Best Cheap Car Insurance Companies for ND Drivers in 2020

The majority of North Dakotans select from five top car insurance companies when trying to find the one that works for their needs. The following table looks at some of the most popular options in the state and provides approximate costs from each. Finding the best car insurance can take time but is well worth it in the end – especially if you can save hundreds of dollars each year. The numbers represented below serve only as an estimate, so remember that your quote could look quite different.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in North Dakota for the cheapest car insurance on average.
$403
per year
2. Nodak Mutual
In 2020, Nodak Mutual ranked #2 in North Dakota for the cheapest car insurance on average.
$492
per year
3. GEICO
In 2020, GEICO ranked #3 in North Dakota for the cheapest car insurance on average.
$555
per year
4. American Family
In 2020, American Family ranked #4 in North Dakota for the cheapest car insurance on average.
$577
per year
5. State Farm
In 2020, State Farm ranked #5 in North Dakota for the cheapest car insurance on average.
$579
per year
6. Farmers
In 2020, Farmers ranked #6 in North Dakota for the cheapest car insurance on average.
$706
per year
7. Allied
In 2020, Allied ranked #7 in North Dakota for the cheapest car insurance on average.
$716
per year
8. Progressive
In 2020, Progressive ranked #8 in North Dakota for the cheapest car insurance on average.
$720
per year
9. National Farmers Union P&C
In 2020, National Farmers Union P&C ranked #9 in North Dakota for the cheapest car insurance on average.
$770
per year
10. AAA
In 2020, AAA ranked #10 in North Dakota for the cheapest car insurance on average.
$784
per year
11. Allstate
In 2020, Allstate ranked #11 in North Dakota for the cheapest car insurance on average.
$990
per year
12. MetLife
In 2020, MetLife ranked #12 in North Dakota for the cheapest car insurance on average.
$1,282
per year

To get a quote more relevant to your needs and lifestyle, insurance agencies look at factors such as age, gender, and type of car driven. We go more into the details of these requirements in the following sections.

The Best Car Insurance Companies in North Dakota for 2020

With so many North Dakota auto insurance companies out there, finding the right one can feel overwhelming. MoneyGeek designed a unique rating system based on data collected by reputable outlets such as J.D. Power and AM Best. Each of the companies below were scored out of 100, with factors such as customer satisfaction, affordability, financial viability, and claims ratings receiving equal weight.

Expand all Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

Auto-Owners Insurance CoScore: 97.5
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

AllstateScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

TravelersScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

ProgressiveScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

7

AAAScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A

Financial Stability

8

State FarmScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

9

American FamilyScore: 77.5
+

3/5

User Satisfaction

2/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

10

SafecoScore: 77.5
+

2/5

User Satisfaction

4/5

Claims Ratings

2/5

Affordability

A

Financial Stability


Market Share by Company

The National Association of Insurance Commissioners identified Progressive Group as the largest auto insurer in North Dakota. A policy with one of the largest, well-known companies in North Dakota can help you stay protected on the road.

Company
Market Share
1. Progressive
16.58%
2. State Farm
13.65%
3. American Family
8.85%
4. Nodak Mutual
8.56%
5. QBE INS GRP
8.49%
6. USAA
4.88%
7. GEICO
3.66%
8. Grinnell Mutual
3.42%
9. Farmers
3.29%
10. CENTER MUT INS CO
3.13%

Cheapest Car Insurance for Drivers With a DUI in North Dakota

Getting cheap car insurance with a DUI in North Dakota can be a challenge given that the state takes driving under the influence seriously. Those convicted of a DUI must pay a substantial fine and face extended license suspension, not to mention higher insurance rates. Alcohol-involved fatal car crashes totaled 502 between 2003-2012, with the percentage rate of deaths by age eclipsed national figures. The following table gives general estimates of car insurance after a DUI.

Company
Amount
1. American Family
In 2020, American Family ranked #1 in North Dakota for the cheapest car insurance for drivers with a DUI.
$598
per year
2. State Farm
In 2020, State Farm ranked #2 in North Dakota for the cheapest car insurance for drivers with a DUI.
$634
per year
3. Nodak Mutual
In 2020, Nodak Mutual ranked #3 in North Dakota for the cheapest car insurance for drivers with a DUI.
$770
per year
4. Progressive
In 2020, Progressive ranked #4 in North Dakota for the cheapest car insurance for drivers with a DUI.
$793
per year
5. USAA
In 2020, USAA ranked #5 in North Dakota for the cheapest car insurance for drivers with a DUI.
$932
per year
6. Farmers
In 2020, Farmers ranked #6 in North Dakota for the cheapest car insurance for drivers with a DUI.
$954
per year
7. National Farmers Union P&C
In 2020, National Farmers Union P&C ranked #7 in North Dakota for the cheapest car insurance for drivers with a DUI.
$1,147
per year
8. AAA
In 2020, AAA ranked #8 in North Dakota for the cheapest car insurance for drivers with a DUI.
$1,313
per year
9. Allied
In 2020, Allied ranked #9 in North Dakota for the cheapest car insurance for drivers with a DUI.
$1,640
per year
10. Allstate
In 2020, Allstate ranked #10 in North Dakota for the cheapest car insurance for drivers with a DUI.
$1,763
per year
11. GEICO
In 2020, GEICO ranked #11 in North Dakota for the cheapest car insurance for drivers with a DUI.
$1,802
per year
12. MetLife
In 2020, MetLife ranked #12 in North Dakota for the cheapest car insurance for drivers with a DUI.
$3,207
per year

DUIs stay on your record in North Dakota for seven years if it was your first, second, or third offense. All those above three remain on your record for a lifetime. While the real costs of a DUI can last forever, you should be able to negotiate cheaper insurance rates after a few years – provided you don’t get any other citations.

Cheapest Car Insurance for ND Speeding or Distracted Driving Tickets

Distracted driving resulted in 95 fatal North Dakota crashes in 2018. Driving while trying to look at your phone or change radio stations can result in many serious issues, making the high toll of distracted driving something every person should consider before getting behind the wheel.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in North Dakota for the cheapest car insurance for distracted drivers.
$475
per year
2. Nodak Mutual
In 2020, Nodak Mutual ranked #2 in North Dakota for the cheapest car insurance for distracted drivers.
$584
per year
3. American Family
In 2020, American Family ranked #3 in North Dakota for the cheapest car insurance for distracted drivers.
$598
per year
4. State Farm
In 2020, State Farm ranked #4 in North Dakota for the cheapest car insurance for distracted drivers.
$634
per year
5. Allied
In 2020, Allied ranked #5 in North Dakota for the cheapest car insurance for distracted drivers.
$837
per year
6. Progressive
In 2020, Progressive ranked #6 in North Dakota for the cheapest car insurance for distracted drivers.
$869
per year
7. Farmers
In 2020, Farmers ranked #7 in North Dakota for the cheapest car insurance for distracted drivers.
$889
per year
8. AAA
In 2020, AAA ranked #8 in North Dakota for the cheapest car insurance for distracted drivers.
$964
per year
9. National Farmers Union P&C
In 2020, National Farmers Union P&C ranked #9 in North Dakota for the cheapest car insurance for distracted drivers.
$968
per year
10. Allstate
In 2020, Allstate ranked #10 in North Dakota for the cheapest car insurance for distracted drivers.
$1,118
per year
11. GEICO
In 2020, GEICO ranked #11 in North Dakota for the cheapest car insurance for distracted drivers.
$1,265
per year
12. MetLife
In 2020, MetLife ranked #12 in North Dakota for the cheapest car insurance for distracted drivers.
$1,700
per year

The amount of time a ticket impacts rates depends on the driver and the severity of their infringement. Drivers under a certain age automatically receive points on their license while others only receive points for certain infractions. First-time offenders may qualify to take a driving course that removes the points against their license.

Cheapest Car Insurance Companies in ND for Drivers With Bad Credit

North Dakota ranks second in the nation for good credit scores, averaging 727 for 2019. Drivers with less than ideal credit scores may be required to pay higher insurance premiums thanks to previous missed payments or exorbitant debt. North Dakota car insurance agencies must assess the risk of each customer they ensure, and those with bad credit are seen as being a higher risk. The following table looks at approximate costs for car insurance for those with bad credit.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in North Dakota for the cheapest car insurance for drivers with poor credit.
$694
per year
2. GEICO
In 2020, GEICO ranked #2 in North Dakota for the cheapest car insurance for drivers with poor credit.
$872
per year
3. American Family
In 2020, American Family ranked #3 in North Dakota for the cheapest car insurance for drivers with poor credit.
$889
per year
4. Nodak Mutual
In 2020, Nodak Mutual ranked #4 in North Dakota for the cheapest car insurance for drivers with poor credit.
$960
per year
5. Allied
In 2020, Allied ranked #5 in North Dakota for the cheapest car insurance for drivers with poor credit.
$986
per year
6. AAA
In 2020, AAA ranked #6 in North Dakota for the cheapest car insurance for drivers with poor credit.
$1,044
per year
7. State Farm
In 2020, State Farm ranked #7 in North Dakota for the cheapest car insurance for drivers with poor credit.
$1,135
per year
8. Farmers
In 2020, Farmers ranked #8 in North Dakota for the cheapest car insurance for drivers with poor credit.
$1,136
per year
9. Progressive
In 2020, Progressive ranked #9 in North Dakota for the cheapest car insurance for drivers with poor credit.
$1,313
per year
10. National Farmers Union P&C
In 2020, National Farmers Union P&C ranked #10 in North Dakota for the cheapest car insurance for drivers with poor credit.
$1,320
per year
11. Allstate
In 2020, Allstate ranked #11 in North Dakota for the cheapest car insurance for drivers with poor credit.
$1,479
per year
12. MetLife
In 2020, MetLife ranked #12 in North Dakota for the cheapest car insurance for drivers with poor credit.
$3,593
per year

Bad credit can affect your ability to pay low insurance rates, qualify for loans, and buy a house. Fortunately, fixing your credit score can be easier than you think. It may take some time and dedication, but it can be done.

Cheapest Car Insurance Companies in North Dakota for Seniors

Finding cheap car insurance for seniors in North Dakota can take some extra time given that auto insurance companies often view this population as high risk. Drivers aged 65 and older were responsible for 12.3% of North Dakota’s fatal crashes in 2017. Car insurance for seniors does not have to be expensive, but these drivers should make sure they get a policy that reflects their current stage of life.

Company
Amount
1. Nodak Mutual
In 2020, Nodak Mutual ranked #1 in North Dakota for the cheapest car insurance for seniors.
$427
per year
2. USAA
In 2020, USAA ranked #2 in North Dakota for the cheapest car insurance for seniors.
$452
per year
3. GEICO
In 2020, GEICO ranked #3 in North Dakota for the cheapest car insurance for seniors.
$502
per year
4. American Family
In 2020, American Family ranked #4 in North Dakota for the cheapest car insurance for seniors.
$534
per year
5. State Farm
In 2020, State Farm ranked #5 in North Dakota for the cheapest car insurance for seniors.
$562
per year
6. AAA
In 2020, AAA ranked #6 in North Dakota for the cheapest car insurance for seniors.
$673
per year
7. Allied
In 2020, Allied ranked #7 in North Dakota for the cheapest car insurance for seniors.
$716
per year
8. Farmers
In 2020, Farmers ranked #8 in North Dakota for the cheapest car insurance for seniors.
$728
per year
9. Progressive
In 2020, Progressive ranked #9 in North Dakota for the cheapest car insurance for seniors.
$755
per year
10. National Farmers Union P&C
In 2020, National Farmers Union P&C ranked #10 in North Dakota for the cheapest car insurance for seniors.
$890
per year
11. MetLife
In 2020, MetLife ranked #11 in North Dakota for the cheapest car insurance for seniors.
$995
per year
12. Allstate
In 2020, Allstate ranked #12 in North Dakota for the cheapest car insurance for seniors.
$1,031
per year

North Dakota seniors must renew their licenses in person every six years and pass a vision test. Once they reach age 78 and older, licenses must be renewed every four years.

Cheapest Car Insurance for Students

North Dakota Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,550 INCREASE

This is a difference of 107%.

If you have a teen driver, you've likely already seen your insurance rates go up. Research shows teens are more likely to be in car crashes, hence the higher rates. You can help lower the premium by increasing your deductible.

"Young drivers can help keep insurance costs down by taking driver's education; completing an approved defensive driving course, such as Alive at 25; keeping their grades up; and keeping their driving record clean," according to a pamphlet distributed by the North Dakota Department of Transportation.

Full-time college students from out of state do not need to obtain a North Dakota license or register their vehicles in the state. If you're a North Dakota resident and enroll in an out-of-state school, let your insurance company know if you're planning to drive in the other state for more than 30 days a year.

Teen drivers account for only 5% of licensees but are driving when nearly 20% of all the state’s crashes occur. Because car crashes are seen as the number one cause of death for North Dakota teens, insurance rates for young drivers tend to be high. The table below looks at average costs for drivers aged 14-19.

Company
Amount
1. GEICO
In 2020, GEICO ranked #1 in North Dakota for the cheapest car insurance for students.
$1,568
per year
2. Progressive
In 2020, Progressive ranked #2 in North Dakota for the cheapest car insurance for students.
$1,609
per year
3. State Farm
In 2020, State Farm ranked #3 in North Dakota for the cheapest car insurance for students.
$1,773
per year
4. Allied
In 2020, Allied ranked #4 in North Dakota for the cheapest car insurance for students.
$1,795
per year
5. Allstate
In 2020, Allstate ranked #5 in North Dakota for the cheapest car insurance for students.
$2,041
per year


Premium Comparison by Student Type

PREMIUM COMPARISON FOR TWO ADULTS + A 16-YEAR-OLD

car
Average premium for two 2014

Mustang GTs

$4,581
car
Average premium for two 2008

Town and Country Limiteds

$2,733
Annual benefits of minivans:$1,848 saved

This is 40% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$752 DECREASE

This is a savings of 23%.

Potential discounts for teens in North Dakota

Impact on annual premium with good student and defensive driving discounts:

coins
$368 SAVED

North Dakota students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$2,966 at home

graduation

$2,562 at school

$404 IN SAVINGS

female
Average premium for a 19-year-old female
car

$2,489 at home

graduation

$2,239 at school

$250 IN SAVINGS

Insurance Rate Information for Military Drivers and Veterans

The North Dakota Department of Veterans Affairs maintains an online resource available to all military vets, including discounts on car insurance. Military members from North Dakota or stationed in the Peace Garden State are also eligible for a price break on vehicle insurance. Because policies change, it's best to contact several insurance carriers for quotes to compare.

If you're in the military assigned to North Dakota — which has more than 13,000 active, reserve, and civilian military personnel living in the state— to register a vehicle you must complete the DMV forms, and an out-of-state vehicle title bearing your name must be submitted with the application. Renewals can be completed online, but new registrations require a trip to your local North Dakota DMV. North Dakota also offers a variety of special license plates commemorating veterans.

Age savings for North Dakota service members

male
25 years$1,302
50 years$1,019
female
25 years$1,197
50 years$1,008

$283 Saved
$189 Saved

Median auto insurance for service members: $1,079

Who Needs Car Insurance in North Dakota?

Anyone who wants to register a vehicle for road use in North Dakota must carry at least the minimum auto insurance required by the state or post a hefty bond (see Alternatives to Insurance, below).

Proof of Insurance in North Dakota

North Dakota law requires you to provide proof of insurance when you renew a vehicle registration. You will also have to show such proof after an accident or if a law enforcement officer asks for it. You can also present electronic proof of insurance, such as a copy stored on a smartphone, instead of a card.

Minimum Liability Insurance Requirements in North Dakota

The minimum amounts required for liability are:

  • $25,000 per person for injury.
  • $50,000 injuries involving two or more people.
  • $25,000 for property damage.

The minimum coverage for uninsured/underinsured motorist insurance is:

  • $25,000 per person for injury.
  • $50,000 for total injury of all passengers.

The minimum no-fault coverage is:

  • $30,000 in personal injury protection (PIP).

Alternatives to Insurance in North Dakota

North Dakota drivers can register a vehicle with a $25,000 secured bond rather than buying auto insurance. A photocopy of the bond must be available to show any police officer who asks for proof of financial responsibility.

Car insurance companies use your location to calculate your rate.
Explore average rates for your city.

Car Insurance Requirements in ND: How Much Coverage Do You Need?

What percentage of drivers in North Dakota lack vehicle insurance?

6.8%

National average: 13%

Source:

Insurance Information Institute.

Buying the right amount of car insurance depends on your vehicle make, mileage, and use. No matter what you drive, there's a good chance that the minimum insurance required by law won't fully protect you in an accident. Insurers and consumer groups recommend liability coverage of $100,000 per injury or death and $300,000 per accident, according to the Insurance Information Institute.

Here are some other common types of coverage you may want to consider:

  • Collision - pays for damages to a car after a traffic accident.
  • Comprehensive - helps cover non-accident related incidents, such as vandalism.
  • Medical expenses - helps pay medical bills after an accident.

Auto Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.


Expert Advice on Finding Cheap Car Insurance in North Dakota

  1. What are the key factors drivers in North Dakota should look for when searching for the best auto insurance coverage?

    When looking for the best auto insurance coverage for you, do your homework. Be an informed consumer and compare multiple companies before making a final decision. Ask friends and family members what auto insurance company they use and why. Ask if they have ever had a bad experience with a company and what happened.

  2. What steps can drivers in North Dakota take to find affordable car insurance?

    Getting quotes from multiple insurance companies and comparing similar policies is the best way to find affordable car insurance. Drivers could also use an insurance broker to do this leg work for them. An insurance broker represents the buyer instead of the insurance company. The driver would tell the broker what type of coverage they want, and then the broker will provide the driver with a list of options. The broker will also assist the driver in obtaining the coverage they choose.


Carrie L. Johnson
Carrie L. JohnsonAssociate Professor and Extension Specialist at North Dakota State University


Sources