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Nodak Mutual offers the cheapest minimum coverage insurance in North Dakota, but several other insurers are also worth considering, depending on your driver profile. For example, teen drivers may consider Nationwide, whereas young adults, seniors and those with poor credit and sports cars, and even the ones looking for full coverage, may find the cheapest policies from American Family.

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

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2023

Cheapest Car Insurance North Dakota (April 2023)

Cheapest Minimum Liability Car Insurance in North Dakota (April 2023)

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: $225 per year
  • State Farm: $254 per year

Allstate minimum coverage policies average $578 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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

State Farm

$240

$20

Nodak Mutual

$249

$21

State Farm

$254

$21

GEICO

$277

$23

American Family

$289

$24

American Family

$299

$25

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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Cheapest Full Coverage Car Insurance in North Dakota (April 2023)

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

  • American Family: $615 per year
  • Nationwide: $691 per year

Grinnell Mutual provides full coverage at an average of $1,062 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 $316 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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

State Farm

$240

$20

Nodak Mutual

$249

$21

State Farm

$254

$21

GEICO

$277

$23

American Family

$289

$24

American Family

$299

$25

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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Cheapest Car Insurance in North Dakota for Teens and Their Families (April 2023)

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

  • Nationwide: $1,184 per year for male teens and $1,061 for female teens
  • Allstate: $1,634 per year for male teens and $1,343 for female teens

For comparison, Auto-Owners Insurance Co is the most expensive in North Dakota, averaging $2,459 per year for male teens and $2,304 for 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. Nationwide ($1,091 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.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$452

$751

GEICO

$545

$905

GEICO

$578

$960

Allstate

$584

$2,903

Nationwide

$636

$1,028

Nationwide

$643

$1,159

Nationwide

$648

$826

Nationwide

$658

$783

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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 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 (April 2023)

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

  • American Family: $708 per year
  • Nationwide: $804 per year

Grinnell Mutual offers the most expensive policies at $1,432 per year.

In North Dakota, young adult drivers pay more for car insurance than middle aged-drivers. For example, American Family policies for 40-year-old drivers are $93 cheaper than for 25-year-olds.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

State Farm

$240

$20

Nodak Mutual

$249

$21

State Farm

$254

$21

GEICO

$277

$23

American Family

$289

$24

American Family

$299

$25

Cheapest Car Insurance in North Dakota for Seniors (April 2023)

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

  • American Family: $550 per year
  • Nodak Mutual: $568 per year

Allstate sells policies at an average of $980 per year, the most expensive for this age group.

Compared with rates for 40-year-old drivers, senior drivers typically pay less. Seniors pay $65 less per year for American Family’s policies than 40-year-olds.

However, premiums tend to increase as drivers reach their 70s and 80s.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

State Farm

$240

$20

Nodak Mutual

$249

$21

State Farm

$254

$21

GEICO

$277

$23

American Family

$289

$24

American Family

$299

$25

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 in North Dakota After a Ticket, Accident or DUI (April 2023)

Having a violation on your driving record can increase your rates. However, you may still be able to find affordable insurance.

MoneyGeek ranked State Farm as the cheapest insurance for those with a ticket or DUI. Drivers with an at-fault accident on their record may find affordable insurance from American Family.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: State Farm ($721 per year)
Cheapest after an accident: American Family ($615 per year)
Cheapest after a DUI: State Farm ($721 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:

  • State Farm: $721 per year
  • American Family: $723 per year

Progressive is the most expensive in North Dakota for this driver profile at $1,164 per year.

Drivers in North Dakota with a speeding ticket on record pay an extra $120 each year compared with drivers with clean records.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$222

$19

State Farm

$240

$20

State Farm

$254

$21

Nodak Mutual

$267

$22

Nodak Mutual

$293

$24

Grinnell Mutual

$308

$26

State Farm

$309

$26

American Family

$326

$27

Cheapest Car Insurance in North Dakota After an Accident

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

  • American Family: $615 per year
  • Nationwide: $691 per year

The most expensive company, GEICO, offers policies at $1,694 per year.

In North Dakota, your insurance rates may increase by an average of $254 yearly if you have an at-fault accident on your record compared with drivers with a clean record.

Company
Annual Premium
Monthly Premium

State Farm

$264

$22

Nodak Mutual

$266

$22

State Farm

$280

$23

American Family

$289

$24

Nodak Mutual

$294

$25

American Family

$299

$25

Nationwide

$301

$25

Grinnell Mutual

$308

$26

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:

  • State Farm: $721 per year
  • American Family: $723 per year

GEICO sells the most expensive policies at $2,587 per year.

A DUI can increase your premiums by an average of $475 more per year.

Company
Annual Premium
Monthly Premium

State Farm

$240

$20

State Farm

$254

$21

Nodak Mutual

$293

$24

Grinnell Mutual

$308

$26

State Farm

$309

$26

American Family

$326

$27

American Family

$337

$28

Nodak Mutual

$352

$29

Cheapest Car Insurance in North Dakota for Drivers With Poor Credit (April 2023)

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:

  • American Family: $952 per year
  • Nationwide: $971 per year

Auto-Owners Insurance Co offers the most expensive full coverage insurance for drivers with poor credit at $2,624 per year.

Having a poor credit score can add $712 to your car insurance premium.

Company
Annual Premium
Monthly Premium

GEICO

$342

$28

Nodak Mutual

$427

$36

Nationwide

$431

$36

Nationwide

$453

$38

American Family

$470

$39

American Family

$492

$41

GEICO

$516

$43

Nodak Mutual

$516

$43

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 (April 2023)

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: $574 per year
  • Nationwide: $737 per year

The most expensive insurer is Progressive, at $1,228 per year.

Drivers of a Ford Mustang in North Dakota pay $64 more than Toyota Camry drivers.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

State Farm

$240

$20

Nodak Mutual

$249

$21

State Farm

$254

$21

GEICO

$277

$23

American Family

$289

$24

American Family

$299

$25

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 (April 2023)

If you’re an active military member or a veteran, the cheapest insurance company in North Dakota is USAA at $450 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
  • $450 per year

USAA policies and discounts are tailored to military members. Some of its common discounts include bundling, defensive driving, drivers education, multiple car and safe driving.

Cheapest Car Insurance in North Dakota by City

Car insurance costs can vary depending on where in North Dakota you live. In Fargo, the cheapest full coverage policy comes from Nodak Mutual, with annual premiums averaging $634. Click to learn more about car insurance in the city.

City
Cheapest Company
Annual Premium

Fargo

Nodak Mutual

$634

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.

  • male icon

    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.

  • accident2 icon

    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.

  • carInsurance icon

    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.

  • hospital icon

    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.

FAQs 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.

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. Johnson

Associate Professor and Extension Specialist at North Dakota State University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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