Cheapest Car Insurance in North Dakota (June 2024)

Nodak Mutual offers the cheapest minimum coverage auto insurance in North Dakota. Several other insurers are also worth considering, including American Family and USAA, depending on your driver profile.

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

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: $232 per year
• American Family: $307 per year

Allstate minimum coverage policies average $736 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.

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.

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 full coverage at an average of $1,411 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 $339 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.

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.

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.

Age is one of the biggest factors affecting car insurance rates in North Dakota. MoneyGeek found that State Farm offers the cheapest options on average for teens, while American Family is the most affordable for both young adults and seniors.

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

For comparison, GEICO is the most expensive in North Dakota, averaging $4,346 per year for male and 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. State Farm ($1,048 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.

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.

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 $1,890 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 $201 cheaper than for 25-year-olds.

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

• American Family: $577 per year
• Nodak Mutual: $590 per year

Allstate sells policies at an average of $1,272 per year, the most expensive for this age group.

Compared with rates for 40-year-old drivers, senior drivers typically pay less. Seniors pay around $91 less per year for policies than 40-year-olds. However, premiums tend to increase as drivers reach their 70s and 80s.

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.

American Family is the cheapest auto insurance for those with tickets, accidents, or DUIs on their records and for drivers of sports cars. Having a violation on your driving record can increase your rates. However, you may still be able to find affordable insurance.

Nationwide is the most affordable for people with poor credit.

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

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

Grinnell Mutual is the most expensive in North Dakota for this driver profile at $1,450 per year.

Drivers in North Dakota with a speeding ticket on record pay an extra $132 each year compared with drivers with clean records.

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

• American Family: $646 per year
• Nationwide: $693 per year

The most expensive company, GEICO, offers policies at $1,601 per year.

In North Dakota, your insurance rates may increase by an average of $273 yearly if you have an at-fault accident on your record compared with drivers with a clean record.

MoneyGeek found that the cheapest car insurance companies for drivers with a DUI are the following:

• American Family: $762 per year
• State Farm: $1,058 per year

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

A DUI can increase your premiums by an average of $503 more per year.

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:

• 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 $2,957 per year.

Having a poor credit score can add $827 to your car insurance premium.

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.

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

The most expensive insurer is State Farm at $1,294 per year.

Drivers of a Ford Mustang in North Dakota pay $56 more than Toyota Camry drivers.

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.

If you’re an active military member or a veteran, the cheapest insurance company in North Dakota is USAA at $472 per year. USAA is generally the best choice for military members as its policies and discounts are tailored for them.

Car insurance costs can vary depending on where in North Dakota you live. The cheapest full coverage policy in Fargo comes from Nationwide, with annual premiums averaging $639. MoneyGeek also examined the different car insurance options in Fargo.

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.

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.

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.

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.

In the following sections, MoneyGeek answers your questions about the cost and quality of car insurance in North Dakota.