Cheapest Car Insurance in North Dakota (October 2024)


Contribution by 1 expert
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Updated: October 3, 2024

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American Family offers the cheapest minimum coverage auto insurance in North Dakota. Depending on your driver profile, State Farm and USAA are also worth considering.

We found the top car insurance companies in North Dakota for drivers seeking a balance of quality service and cost.

Why Trust MoneyGeek? We gathered data from the North Dakota Insurance Department and Quadrant Information Services to find the cheapest auto insurance for different types of drivers in the state.

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

14,296Quotes Analyzed
 
11Companies Compared
 
11ZIP Codes

Cheapest Minimum Liability Car Insurance in North Dakota

The cheapest car insurance companies offering minimum coverage in North Dakota are:

  • American Family: $307 per year
  • GEICO: $308 per year

Allstate minimum coverage policies average $755 per year and are the most expensive.

A minimum coverage policy in the state covers only 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
American FamilyAnnual Premium$307Monthly Premium$26
GEICOAnnual Premium$308Monthly Premium$26
Nodak MutualAnnual Premium$309Monthly Premium$26
NationwideAnnual Premium$315Monthly Premium$26
Auto-Owners Insurance CoAnnual Premium$340Monthly Premium$28
ProgressiveAnnual Premium$358Monthly Premium$30
State FarmAnnual Premium$372Monthly Premium$31
Grinnell MutualAnnual Premium$528Monthly Premium$44
FarmersAnnual Premium$536Monthly Premium$45
AllstateAnnual Premium$755Monthly Premium$63

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

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

Find the Best Car Insurance in North Dakota for You

 

The amount of coverage you need depends on your preferences and insurance requirements.

The table above illustrates the different rates for a minimum coverage policy in North Dakota.

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MoneyGeek assessed 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

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 the most expensive full coverage at an annual average of $1,339.

Full coverage insurance typically costs more but provides greater protection. For instance, an American Family full coverage policy adds about $339 per year compared to a basic policy. This type of coverage includes collision insurance for on-road accidents and comprehensive insurance for 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$810Monthly Premium$68
ProgressiveAnnual Premium$901Monthly Premium$75
Auto-Owners Insurance CoAnnual Premium$1,029Monthly Premium$86
State FarmAnnual Premium$1,109Monthly Premium$92
FarmersAnnual Premium$1,126Monthly Premium$94
AllstateAnnual Premium$1,250Monthly Premium$104
Grinnell MutualAnnual Premium$1,339Monthly Premium$112

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. If you want to save on your monthly premiums, you can drop comprehensive and collision insurance or raise the deductible. 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:

Oct 14, 2024

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Cheapest Car Insurance in North Dakota by Age

Age is one of the most significant factors affecting car insurance rates. In North Dakota, State Farm offers the cheapest options for teens, while American Family is the most affordable for both young adults and seniors.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: State Farm
Cheapest for young adults: American Family
Cheapest for seniors: American Family

Cheapest Car Insurance in North Dakota for Teens and Their Families

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

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

Teen car insurance rates drop as teens age. In North Dakota, a 19-year-old male driver pays significantly less than a 16-year-old. State Farm offers the lowest rates for teens aged 19 at $1,048 annually.

Adding a teen to a parent's policy is generally more affordable. While an individual policy for a teen costs about $4,825 annually, adding them to a family policy saves around $2,936 each year.

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.

Families can save on car insurance for young drivers with discounts. Nationwide and State Farm offer discounts for students with good grades (B average or better). State Farm also provides discounts to students who use their car only when home.

Cheapest Car Insurance in North Dakota for Young Adults

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 around $1,794 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 $198 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$887Monthly Premium$74
GEICOAnnual Premium$929Monthly Premium$77
ProgressiveAnnual Premium$1,112Monthly Premium$93
FarmersAnnual Premium$1,311Monthly Premium$109
AllstateAnnual Premium$1,316Monthly Premium$110
Auto-Owners Insurance CoAnnual Premium$1,351Monthly Premium$113
State FarmAnnual Premium$1,378Monthly Premium$115
Grinnell MutualAnnual Premium$1,794Monthly Premium$149

Cheapest Car Insurance in North Dakota for Seniors

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

  • American Family: $577 per year
  • GEICO: $618 per year

Allstate sells policies at an average of $1,305 annually, the most expensive for this age group.

Senior drivers typically pay less than 40-year-old drivers, paying around $89 less per year for car insurance. However, premiums 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
GEICOAnnual Premium$618Monthly Premium$52
NationwideAnnual Premium$623Monthly Premium$52
Nodak MutualAnnual Premium$623Monthly Premium$52
ProgressiveAnnual Premium$848Monthly Premium$71
Auto-Owners Insurance CoAnnual Premium$968Monthly Premium$81
State FarmAnnual Premium$981Monthly Premium$82
FarmersAnnual Premium$1,094Monthly Premium$91
Grinnell MutualAnnual Premium$1,125Monthly Premium$94
AllstateAnnual Premium$1,305Monthly Premium$109

Allstate, American Family, Farmers and GEICO offer discounts to senior drivers. Insurers use factors other than 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

American Family offers the cheapest auto insurance for drivers with tickets, accidents, DUIs, and sports cars. For those with poor credit, Nationwide provides the most affordable rates.

Although violations can increase your premiums, affordable insurance options are still available.

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

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

Farmers is the most expensive in North Dakota for this driver profile at around $1,436 per year.

North Dakota drivers with a speeding ticket on record pay $131 more each year than 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$959Monthly Premium$80
ProgressiveAnnual Premium$1,102Monthly Premium$92
State FarmAnnual Premium$1,103Monthly Premium$92
Auto-Owners Insurance CoAnnual Premium$1,150Monthly Premium$96
Grinnell MutualAnnual Premium$1,376Monthly Premium$115
AllstateAnnual Premium$1,397Monthly Premium$116
FarmersAnnual Premium$1,436Monthly Premium$120

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

GEICO is the most expensive company, offering policies at an average rate of $1,601 per year.

In North Dakota, your insurance rates may increase by an average of $272 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$1,056Monthly Premium$88
State FarmAnnual Premium$1,176Monthly Premium$98
Auto-Owners Insurance CoAnnual Premium$1,302Monthly Premium$108
ProgressiveAnnual Premium$1,348Monthly Premium$112
Grinnell MutualAnnual Premium$1,376Monthly Premium$115
FarmersAnnual Premium$1,584Monthly Premium$132
AllstateAnnual Premium$1,595Monthly Premium$133
GEICOAnnual Premium$1,601Monthly Premium$133

Cheapest Car Insurance in North Dakota After a DUI

The cheapest car insurance companies for drivers with a DUI are the following:

  • American Family: $762 per year
  • Progressive: $991 per year

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

A DUI can increase your premiums by an average of $508 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
ProgressiveAnnual Premium$991Monthly Premium$83
State FarmAnnual Premium$1,103Monthly Premium$92
NationwideAnnual Premium$1,247Monthly Premium$104
Nodak MutualAnnual Premium$1,263Monthly Premium$105
Grinnell MutualAnnual Premium$1,376Monthly Premium$115
FarmersAnnual Premium$1,544Monthly Premium$129
Auto-Owners Insurance CoAnnual Premium$1,874Monthly Premium$156
AllstateAnnual Premium$2,123Monthly Premium$177
GEICOAnnual Premium$2,447Monthly Premium$204

Cheapest Car Insurance in North Dakota for Drivers With Poor Credit

Drivers with poor credit pay more for car insurance than those with good credit. However, you can find affordable policies from the following companies 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 an average of $2,957 annually.

In North Dakota, having a poor credit score can add $830 to your 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
ProgressiveAnnual Premium$1,612Monthly Premium$134
FarmersAnnual Premium$1,727Monthly Premium$144
AllstateAnnual Premium$1,825Monthly Premium$152
Nodak MutualAnnual Premium$1,853Monthly Premium$154
State FarmAnnual Premium$2,396Monthly Premium$200
Grinnell MutualAnnual Premium$2,416Monthly Premium$201
Auto-Owners Insurance CoAnnual Premium$2,957Monthly Premium$246

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 your credit score 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

A sports car is more expensive to insure than regular vehicles, but you can find the cheapest insurance from these companies:

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

State Farm is the most expensive insurer for those with sports cars at $1,340 per year.

Drivers of a Ford Mustang in North Dakota pay $56 more for car insurance 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
Auto-Owners Insurance CoAnnual Premium$1,018Monthly Premium$85
FarmersAnnual Premium$1,055Monthly Premium$88
ProgressiveAnnual Premium$1,160Monthly Premium$97
AllstateAnnual Premium$1,250Monthly Premium$104
State FarmAnnual Premium$1,340Monthly Premium$112

MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. Sports, electric, and luxury cars are generally more expensive to insure; otherwise, the model may not be a significant factor. However, this may not be true for all states.

Cheapest Car Insurance in North Dakota for Military Drivers

USAA provides the cheapest full coverage insurance in North Dakota for active duty military and veterans, with an average annual cost of $531. The company offers specialized policies and discounts for military personnel.

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MoneyGeek Top Pick
USAA

Annual premium: $531

USAA offers a discount for military personnel and their families.

Cheapest Car Insurance in North Dakota by City

Car insurance costs can vary depending on where in North Dakota you live.

Fargo's cheapest full coverage policy comes from Nationwide, with an average annual premium of $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 minimum car insurance coverage that includes 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 mandate that drivers 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 damage 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 personal injury protection (PIP). However, you need at least $30,000 in PIP 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: Car Insurance in North Dakota

MoneyGeek answered common 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 is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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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