The Cheapest Car Insurance in North Dakota for 2022

Nodak Mutual offers the cheapest car insurance in North Dakota at $203 per year for state minimum coverage.

MoneyGeek researched auto insurance rates to find the cheapest options in North Dakota. However, optimal coverage differs by driver profile. For instance, American Family offers the lowest rates with a DUI or at-fault accident. Comparing rates in North Dakota might save you $574 annually.

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Last Updated: 12/1/2022
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The Cheapest Car Insurance in North Dakota

MoneyGeek analyzed the cheapest auto insurance quotes in North Dakota cities to help you get a close estimate of costs. Additionally, we found the best car insurance companies in North Dakota that offer great service and rates.

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Methodology

Why Trust MoneyGeek? North Dakota car insurance rates in this study are based on our analysis of data and information from the North Dakota Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in North Dakota have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in North Dakota

A liability-only coverage policy is cheaper than full coverage, as it only meets the state’s minimum requirements. This policy isn’t the best choice for all drivers, but it’s a good choice if your top priority is to find the most affordable auto insurance possible.

The cheapest car insurance companies in North Dakota, on average, for minimum coverage are:

  • Nodak Mutual: $203 per year
  • GEICO: $277 per year

USAA is the cheapest car insurance option for military members and their families, averaging $167 per year for liability coverage in North Dakota. The most expensive auto insurance company for minimum coverage is Allstate, costing $534 per year on average.

CHEAPEST MINIMUM CAR INSURANCE IN NORTH DAKOTA

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These prices are only estimates based on rates for an average North Dakota driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in North Dakota

With an average cost of $394 per year, USAA offers the cheapest full coverage car insurance in North Dakota to eligible military members and their families. The cheapest open-to-all insurer is Nodak Mutual at roughly $481 annually. Meanwhile, Allstate offers a policy at around $968, making it the most expensive auto insurer for full coverage in the state.

CHEAPEST FULL COVERAGE CAR INSURANCE IN NORTH DAKOTA

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Please keep in mind that your individual premiums will be different from these examples. The costs are for a policy with comprehensive and collision insurance, $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

How to Compare Cheap North Dakota Car Insurance Quotes Online

Most insurance company websites offer a convenient and reasonably accurate online quote tool. To get consistent rates, you should use the same coverage limits for all insurers. For instance, if you get a quote for comprehensive and collision coverage with a $1,000 deductible from one provider, use these same limits while comparing another company’s prices.

MoneyGeek’s car insurance calculator will give you a car insurance quote estimate without specific personal information. If you want a personalized quote, you’ll have to enter more information or use MoneyGeek’s pricing information to find good insurer websites to shop on. The three cheapest car insurance carriers in North Dakota are USAA, Nodak Mutual and GEICO, and you can begin your research by getting rates from these firms.

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Cheapest Car Insurance in North Dakota for Young Drivers

Age is a significant rating factor in the cost of car insurance in North Dakota, with young drivers paying higher rates. On average, a 16-year-old driver in North Dakota pays $1,846 yearly for car insurance, while a 25-year-old pays around $785 per year.

For young drivers in North Dakota between 16 and 25, GEICO is most often the cheapest car insurer.

ANNUAL CAR INSURANCE IN NORTH DAKOTA FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $1,846
    GEICO
    $1,565
  • $1,746
    GEICO
    $1,565
  • $1,556
    Progressive
    $1,383
  • $1,683
    State Farm
    $1,359
  • $1,441
    GEICO
    $1,127
  • $1,154
    GEICO
    $894
  • $1,071
    GEICO
    $844
  • $972
    GEICO
    $737
  • $901
    GEICO
    $693
  • $785
    GEICO
    $602

North Dakota 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. But you can find affordable auto insurance coverage for students and teens by comparing quotes and examining discount opportunities.

Your age can make all the difference. MoneyGeek’s research found that GEICO offers the cheapest annual rates for both 16-year-old drivers (around $1,565) and 25-year-old drivers (roughly $602).

Cheapest Car Insurance in North Dakota for Seniors

Nodak Mutual offers the cheapest car insurance for seniors in North Dakota, with an average cost of $418 per year. And Allstate offers the most expensive auto insurance in North Dakota at roughly $1,008 per year.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Finding cheap car insurance for seniors in North Dakota can take some extra time, given that auto insurance companies often view them as high risk. But car insurance for seniors does not have to be expensive, and they should make sure to get a policy that reflects their current stage of life.

MoneyGeek highly recommends older adults compare different insurance company rates to find a suitable deal. For example, based on the average rates we collected, choosing Nodak Mutual (the cheapest) over Allstate (the priciest), you could save around $590 per year.

Cheapest Car Insurance for Drivers With Tickets in North Dakota

Even a minor driving offense like a ticket can hike your car insurance costs. In North Dakota, a driver with a speeding ticket pays $927 per year on average for auto insurance, about $200 more than a driver with full coverage and no violations typically pays.

On average, the most affordable car insurance companies in North Dakota for a driver with a speeding ticket and full coverage are:

  • Nodak Mutual: $571 per year
  • American Family: $585 per year

If you are in a military family, USAA's average annual rate of $465 is your cheapest option with a ticket in North Dakota.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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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.

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 for Drivers With a DUI in North Dakota

If you get a DUI, American Family offers car insurance at around $585 annually, making it the cheapest car insurance company in North Dakota with that violation. Comparatively, GEICO is the most expensive in the state with a DUI, offering coverage at roughly $1,762 annually.

AVERAGE CAR INSURANCE RATES WITH A DUI

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Getting cheap car insurance with a DUI in North Dakota can be a challenge because the state takes driving under the influence seriously. Those convicted of a DUI must pay a substantial fine and face extended license suspension and higher car insurance rates.

MoneyGeek strongly encourages drivers to shop around to find a great deal on insurance with a DUI. When comparing quotes, we found that drivers could save roughly $1,177 per year by choosing American Family over GEICO.

Cheapest in North Dakota for Drivers With an At-Fault Accident

Your driving history influences your North Dakota car insurance rate. If you have an at-fault accident on your record, you pay a higher cost for car insurance. The average yearly cost is $1,116.

For North Dakota drivers with an at-fault accident, on average, the most affordable car insurance companies are:

  • American Family: $585 per year
  • Nodak Mutual: $627 per year

USAA is the cheapest option at around $553 yearly, but only current and former members of the military and their families can get auto insurance from this company.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in North Dakota for Drivers With Bad Credit

It’s important to maintain a good credit score, as it can help you save on car insurance in North Dakota. Drivers with bad credit in North Dakota pay an average of $1,330 per year for full coverage car insurance, compared to around $727 for drivers with good credit.

On average, the least expensive car insurance companies in North Dakota for a driver with poor credit and full coverage are:

  • GEICO: $853 per year
  • American Family: $870 per year

If you or a family member are in the military, you may qualify for USAA auto insurance, which has an average annual rate of $679 for North Dakota drivers with bad credit.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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North Dakota ranks second in the nation for good credit scores, averaging 727 for 2019. Drivers with less than ideal credit scores, thanks to previously missed payments or exorbitant debt, may pay a higher car insurance premium because people with bad credit are seen as higher risk. While it can take time, increasing your credit score is easier than you think.

In the meantime, you can shop around to find a reasonable car insurance premium in North Dakota and potential savings. We found that GEICO is the cheapest, potentially saving drivers with bad credit roughly $593 yearly than if they choose Allstate, the most expensive at around $1,446 annually.

Cheapest Car Insurance in North Dakota for Military Drivers

If you are a member of the military or a veteran, you are likely to qualify for an auto policy with USAA, the most affordable auto insurance company in North Dakota. Due to the state's low road fatalities, USAA offers reasonable auto insurance rates to anyone who is or was a member of the military with a clean driving record.

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MoneyGeek Top Pick
USAA
  • Average rate: $167 per year (minimum coverage)
  • Cheapest out of 11 insurers

USAA solely focuses on offering affordable insurance to members of the United States military and veterans. It is the cheapest car insurance company in North Dakota, with an annual premium averaging $167 for minimum coverage.

To maximize savings, qualifying policyholders can take advantage of USAA's extensive discount options. From bundling policies, completing a driver safety course and enrolling in a loyalty program to military-specific discounts and covering multiple vehicles, USAA makes it simple to save money on auto insurance.

Cheapest Car Insurance in North Dakota by City

Where you live can greatly impact the cost of your car insurance in North Dakota. This is because rating factors such as the frequency of car accidents can vary from one city to the next. On average, drivers in Fargo pay $743 yearly or $62 monthly for car insurance.

Click on your city to know more about car insurance costs in your area.

AVERAGE INSURANCE RATE BY CITY IN NORTH DAKOTA

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  • City
    Annually
    Monthly
  • $403
    $33

Car Insurance in North Dakota: What You Need to Know

Anyone who wants to register a vehicle in North Dakota must carry at least the state minimum auto insurance requirements or post a hefty bond.

North Dakota Insurance Requirements

Proof of Insurance in North Dakota

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

Minimum Liability Insurance Requirements in North Dakota

The minimum amounts required by law in this state are:

  • $25,000 for injuries per person
  • $50,000 for injuries per accident
  • $25,000 for property damage
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $30,000 no-fault personal injury protection (PIP)

How Much Coverage Do You Need in North Dakota?

Buying the right amount of car insurance depends on your vehicle's make, mileage and use. No matter what you drive, only having the minimum liability insurance required by law likely won't fully protect you in an at-fault accident, and it does not cover your vehicle’s damage. Take time to consider if cheap car insurance is what you really need.

Insurers and consumer groups recommend bodily injury liability coverage of $100,000 per person 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 damage to your car in at-fault traffic accidents
  • Comprehensive - covers non-traffic incidents, such as theft and weather damage
  • Medical expenses - pays for medical bills after an at-fault accident

FAQs About Car Insurance in North Dakota

To help drivers in North Dakota make the best buying decision, here are the answers to some common questions about car insurance policies and prices in the state.

Expert Advice on Finding Cheap Car Insurance in North Dakota

To help you find credible and accurate insight on 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. Johnson

Associate Professor and Extension Specialist at North Dakota State University

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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