The Cheapest Car Insurance in North Dakota for 2022

Nodak Mutual is the most affordable option for most drivers in North Dakota but coverage amount, age, driving history and credit score also impact car insurance rates. That means the cheapest option for you depends on your background.

American Family, for instance, is the least expensive option for drivers with a DUI, while GEICO is the cheapest option if you have bad credit. USAA is the cheapest option for those in the military and their families.

cheapestauto insuranceNorth Dakota2022

The Cheapest Car Insurance in North Dakota

Cheapest for minimum liability - Nodak Mutual

Cheapest for full coverage - Nodak Mutual

Cheapest for drivers with a DUI - American Family

Cheapest for drivers with a ticket - Nodak Mutual

Cheapest for drivers with bad credit - GEICO

Cheapest for senior drivers - Nodak Mutual

Cheapest for student drivers - GEICO

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:

• Nodak Mutual: $208 per year
• GEICO: $283 per year

USAA is probably the cheapest car insurance option for military members and their families, averaging $171 per year for liability coverage in North Dakota. The costliest auto insurance for minimum coverage is Allstate, costing $546 per year on average.

Cheapest Minimum Car Insurance in North Dakota

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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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 full coverage car insurance providers in North Dakota are:

• Nodak Mutual: $492 per year
• GEICO: $555 per year

If you or a family member are in the military, USAA's $403 average annual rate is the cheapest full coverage policy in North Dakota. MetLife is the most expensive provider of full coverage in the state, with average yearly premiums of $1,282.

Cheapest Full Coverage Car Insurance 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.

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.

Auto Insurance Calculator

State

North Dakota

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$174

2.

Nodak Mutual

$206

3.

GEICO

$289

4.

AAA

$291

5.

State Farm

$310

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.

North Dakota car insurance rates are influenced by your driving history record. If you have an at-fault accident on your record, you’ll pay higher rates for car insurance. The average yearly cost is $1,093.

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

• American Family: $598 per year
• Nodak Mutual: $641 per year

USAA is the cheapest option overall at $565 yearly, but only current and former members of the military and their families can apply to be covered by this insurer.

Cheapest Car Insurance With an At-Fault Accident

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:

• Nodak Mutual: $584 per year
• American Family: $598 per year

If you are in a military family, USAA's average annual rate of $475 is your cheapest option for a North Dakota driver with tickets.

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:

• GEICO: $872 per year
• American Family: $889 per year

Are you or a family member in the military? If so, you qualify for USAA insurance, which has an average annual rate of $694 for North Dakota drivers with bad credit.

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
• GEICO: $502 per year

USAA is another affordable option for military personnel and their families, with an average rate of $452 per year for North Dakota seniors.

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.

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 will pay $1,888 yearly for car insurance, while a 25-year-old will pay $803 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
• 16
  $1,888
  GEICO
  $1,601
• 17
  $1,785
  GEICO
  $1,601
• 18
  $1,591
  Progressive
  $1,414
• 19
  $1,721
  State Farm
  $1,390
• 20
  $1,474
  GEICO
  $1,152
• 21
  $1,180
  GEICO
  $914
• 22
  $1,095
  GEICO
  $863
• 23
  $994
  GEICO
  $754
• 24
  $922
  GEICO
  $709
• 25
  $803
  GEICO
  $616

Show more

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. You can find affordable auto insurance coverage for students and teens by shopping around, comparing quotes and examining discount opportunities

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

25 years$1,302
50 years$1,019

25 years$1,197
50 years$1,008

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

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
• 1.
  Fargo
  $743
  $62

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.

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

Associate Professor and Extension Specialist at North Dakota State University

READ ANSWERS

About the Author

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Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical branding agency. She has experience in nonprofit management, marketing, personal finance, government relations and education from her decade-plus writing career. Katy’s work has been featured in both the United States and abroad, highlighting the need for research-driven, accessible information on financial topics.

Katy earned her bachelor’s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master’s degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.

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