Get the best car insurance rates in North Dakota with the help of MoneyGeek. This article provides a list of the top car insurance companies that offer the most affordable deals, the best customer service and the security of a financially trustworthy insurance partner. It is important to look around and compare quotes from multiple insurance companies before making a decision. Comparing car insurance costs from some of the best companies in North Dakota could help you save up to $879.
The Best Cheap Car Insurance in North Dakota for 2021
The Cheapest and Best 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 insurance package possible.
The cheapest car insurance companies in North Dakota for minimum coverage are:
- USAA: $171 per year (only available to current and former military members)
- Nodak Mutual: $208 per year
The costliest auto insurance for minimum coverage is Allstate, costing $546 per year on average.
Average Cost for Minimun Liability Coverage
Please note that these prices are only averages and should serve as a guide for comparing costs between insurers.
These prices are only estimates based on rates for an average North Dakota driver and should not be used to compare insurance prices.
A minimum coverage policy in North Dakota is the cheapest available but only covers bodily injury and property damage liability insurance, personal injury protection and uninsured/underinsured motorist coverage. Consumers looking to cover damages to their own car, or enhance their protection against higher liability costs, should consider a full coverage policy.
A full coverage policy with collision and comprehensive insurance and higher liability limits can protect you against most off-road incidents and road accidents in North Dakota. Its cost is higher than minimum coverage, but it shields against the cost of damages to your car, not just the other driver’s vehicle. By comparing car insurance quotes, you can find the lowest rates.
The most affordable car insurance providers in North Dakota for full coverage are:
- USAA: $403 per year (only available for military members, veterans and their families)
- Nodak Mutual: $492 per year
MetLife is the most expensive provider of full coverage in the state, with average yearly premiums of $1,282.
Average Comprehensive and Collision Rates in North Dakota
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.
The Best Car Insurance Companies in North Dakota for 2021
As per MoneyGeek’s research, the best car insurance companies in North Dakota for most drivers are:
- Best Overall: Auto-Owners
- Runner-up: GEICO
USAA received the highest score in North Dakota by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek relies on data from reputable agencies to determine rankings for the best car insurance companies. MoneyGeek’s ranking includes key decision-making factors: affordability, customer satisfaction and company reliability. The data incorporates studies from two respected agencies, J.D. Power’s customer satisfaction review and AM Best’s financial strength rating, along with unique pricing data to determine a final score out of 100.
USAA is MoneyGeek’s top pick in North Dakota, as it scores impressive marks in the three parameters of claims performance, affordability and customer satisfaction. However, it only serves veterans, current military members and their families.
USAA features consistently in MoneyGeek’s state rankings as one of the best and cheapest insurers. Besides standard auto insurance coverage, this provider also offers useful optional features like rental reimbursement, roadside assistance and accident forgiveness.Read MoneyGeek's USAA auto Insurance Review
Auto-Owners is the runner-up in MoneyGeek’s North Dakota ranking. It stands out for its excellent customer satisfaction and affordability scores.
Auto-Owners offers a suite of optional coverages for protection, including rekeying locks, identity theft and replacing your cell phone. They will waive your collision deductible if you're in an accident with another Auto-Owners policyholder. You can also opt for their 24/7 Road Trouble Service to get assistance if you're stranded on the road due to a flat tire or dead battery.Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in North Dakota
Judging by North Dakota market share, the three largest insurers in the state are Progressive (16.6%), State Farm (13.7%) and American Family (8.8%). Market share is the number of policies sold by an insurance company divided by the total number of policies sold in the state.
Larger companies tend to have better levels of financial stability, so you’re assured of reimbursement for your legitimate claim. A big insurer may not be the best option for every driver, but it gives security to consumers who value this factor.
- CompanyMarket Share
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.
Provide your ZIP code below to compare quotes 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.
What Is the Average Cost of Car Insurance in North Dakota?
To give a more accurate ranking of the cheapest car insurance coverage available in North Dakota, MoneyGeek created an average driver profile: a 40-year-old male with a clean driving record and a Toyota Camry.
Please note that insurance premiums vary based on each driver’s personal background and driving history, so your rates may vary.
- Average Driver: $743
- DUI: $1,329
- Speeding Ticket: $948
- Poor Credit Score: $1,347
- Seniors: $710
- Students: $1,743
You will pay higher car insurance rates if you incur a severe driving violation, like a DUI. North Dakota drivers with a DUI need to shell out $1,329 per year on average for auto insurance, compared to $743 for a driver with a clean record.
The cheapest car insurance companies in North Dakota for a driver with a DUI and full coverage are:
- American Family: $598 per year
- State Farm: $634 per year
Although Nodak Mutual is the second cheapest full coverage insurer for North Dakota drivers with a clean record, American Family has lower rates for those with a DUI.
Average Car Insurance Rates With a DUI
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 in North Dakota totaled 530 between 2009-2018. 2.8% of drivers in North Dakota reported driving after drinking too much within the last 30 days.
The above table gives general estimates of car insurance after a DUI.
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.
Even a minor driving offense like a ticket can hike your car insurance costs. In North Dakota, a driver with a speeding ticket pays $948 per year on average for their auto insurance coverage, about $205 more than a driver with no violations typically pays.
The most affordable car insurance providers in North Dakota for a driver with a speeding ticket and full coverage are:
- USAA: $475 per year (only available for military members, veterans and their families)
- Nodak Mutual: $584 per year
These two insurers also present the cheapest full coverage packages for drivers with clean records.
Average Car Insurance Rates With a Ticket
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.
It’s important to maintain a good credit score, as it can help you get loans more easily and reduce your insurance rates. North Dakota drivers with poor credit pay an average of $1,347 per year for car insurance, compared to $743 for the average driver with healthy credit.
The least expensive car insurance firms in North Dakota for a driver with poor credit and full coverage are:
- USAA: $694 per year (only available for military members, veterans and their families)
- GEICO: $872 per year
While Nodak Mutual’s rates are cheaper for drivers with good credit, GEICO offers lower rates for those with a poor credit score.
Average Car Insurance Rates 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 previously missed payments or exorbitant debt. North Dakota car insurance agencies must assess the risk of each customer they ensure. Those with bad credit are seen as being a higher risk. The above table looks at approximate costs for car insurance for those with bad credit.
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.
In North Dakota, senior drivers pay less for auto insurance than the average driver who is 40 years old. A senior driver in the state needs to pay $710 for their car insurance coverage, $33 less than the average driver pays.
The cheapest car insurance companies in North Dakota for senior drivers with full coverage are:
- Nodak Mutual: $427 per year
- USAA: $452 per year (only available for military members, veterans and their families)
These two firms also offer the cheapest full coverage for the average adult driver but in reverse order.
Average Car Insurance Rates 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.
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.
Insurers charge students much higher car insurance rates because of their relative inexperience. A student driver in North Dakota needs to shell out an average of $1,743 per year, more than twice as much as a typical adult driver pays.
The most affordable auto insurance providers in North Dakota for student drivers with full coverage are:
- GEICO: $1,568 per year
- Progressive: $1,609 per year
USAA and Nodak Mutual offer cheaper full coverage options for the average adult driver, while GEICO’s prices are lower for student drivers.
Average Car Insurance Rates for Students
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 above looks at average costs for drivers aged 14-19.
Insurance Rate Information for Military Drivers and Veterans
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— you must complete the DMV forms and an out-of-state vehicle title bearing your name must be submitted with the application in order to register a vehicle. 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.
Average Rates for North Dakota service members
Car Insurance in North Dakota: What You Need to Know
Anyone who wants to register a vehicle for road use in North Dakota must carry at least the state’s minimum required auto insurance or post a hefty bond.
Proof of Insurance in North Dakota
North Dakota law requires you to provide 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 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 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 damages from traffic accidents
- Comprehensive: covers non-traffic incidents, such as theft and natural disasters
- Medical Expenses: pays for medical bills after an accident
Average Insurance Rate by City in North Dakota
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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 trustworthy and accurate details on car insurance in North Dakota, MoneyGeek collected expert advice from proven professionals. The views and opinions conveyed are those of the individual contributor.
- What are the key factors drivers in North Dakota should look for when searching for the best auto insurance coverage?
- What steps can drivers in North Dakota take to find affordable car insurance?
Associate Professor and Extension Specialist at North Dakota State University
About the Author
- AAA. "Senior Driving, North Dakota." Accessed March 16, 2020.
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 28, 2020.
- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 15, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 15, 2020.
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed March 15, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 15, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 15, 2020.
- NOLO. "DUI Laws by State." Accessed March 16, 2020.
- North Dakota Department of Transportation. "Teen Drivers and Parents." Accessed January 20, 2021.
- North Dakota State Government. "Young Drivers." Accessed March 16, 2020.
- O’Keeffe, O’Brien, Lyson, Foss Attorneys. "DUI Charges and the Look Back Period in North Dakota." Accessed March 16, 2020.