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The Best Cheap Car Insurance Companies for ND Drivers in 2020

The majority of North Dakotans select from five top car insurance companies when trying to find the one that works for their needs. The following table looks at some of the most popular options in the state and provides approximate costs from each. Finding the best car insurance can take time but is well worth it in the end – especially if you can save hundreds of dollars each year. The numbers represented below serve only as an estimate, so remember that your quote could look quite different.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in North Dakota for the cheapest car insurance on average.
$1,177
per year
2. Nodak Mutual
In 2020 Nodak Mutual ranked #2 in North Dakota for the cheapest car insurance on average.
$1,205
per year
3. State Farm
In 2020 State Farm ranked #3 in North Dakota for the cheapest car insurance on average.
$1,285
per year
4. Progressive
In 2020 Progressive ranked #4 in North Dakota for the cheapest car insurance on average.
$1,919
per year
5. National Farmers Union P&C
In 2020 National Farmers Union P&C ranked #5 in North Dakota for the cheapest car insurance on average.
$2,917
per year

To get a quote more relevant to your needs and lifestyle, insurance agencies look at factors such as age, gender, and type of car driven. We go more into the details of these requirements in the following sections.

The Best Car Insurance Companies in North Dakota for 2020

With so many North Dakota auto insurance companies out there, finding the right one can feel overwhelming. MoneyGeek designed a unique rating system based on data collected by reputable outlets such as J.D. Power and AM Best. Each of the companies below were scored out of 100, with factors such as customer satisfaction, affordability, financial viability, and claims ratings receiving equal weight.

Expand all Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

Auto-Owners Insurance CoScore: 97.5
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

AllstateScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

TravelersScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

ProgressiveScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

7

AAAScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A

Financial Stability

8

State FarmScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

9

American FamilyScore: 77.5
+

3/5

User Satisfaction

2/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

10

SafecoScore: 77.5
+

2/5

User Satisfaction

4/5

Claims Ratings

2/5

Affordability

A

Financial Stability


Market Share by Company

The National Association of Insurance Commissioners identified Progressive Group as the largest auto insurer in North Dakota. A policy with one of the largest, well-known companies in North Dakota can help you stay protected on the road.

Company
Market Share
1. Progressive
16.58%
2. State Farm
13.65%
3. American Family
8.85%
4. Nodak Mutual
8.56%
5. QBE INS GRP
8.49%
6. USAA
4.88%
7. GEICO
3.66%
8. Grinnell Mutual
3.42%
9. Farmers
3.29%
10. CENTER MUT INS CO
3.13%

Cheapest Car Insurance for Drivers With a DUI in North Dakota

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 totaled 502 between 2003-2012, with the percentage rate of deaths by age eclipsed national figures. The following table gives general estimates of car insurance after a DUI.

Company
Amount
1. State Farm
In 2020 State Farm ranked #1 in North Dakota for the cheapest car insurance for dui.
$1,196
per year
2. Nodak Mutual
In 2020 Nodak Mutual ranked #2 in North Dakota for the cheapest car insurance for dui.
$1,752
per year
3. Progressive
In 2020 Progressive ranked #3 in North Dakota for the cheapest car insurance for dui.
$2,308
per year
4. American Family
In 2020 American Family ranked #4 in North Dakota for the cheapest car insurance for dui.
$2,927
per year
5. National Farmers Union P&C
In 2020 National Farmers Union P&C ranked #5 in North Dakota for the cheapest car insurance for dui.
$4,678
per year

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.

Cheapest Car Insurance for ND Speeding or Distracted Driving Tickets

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.

Company
Amount
1. State Farm
In 2020 State Farm ranked #1 in North Dakota for the cheapest car insurance for distracted drivers.
$1,285
per year
2. American Family
In 2020 American Family ranked #2 in North Dakota for the cheapest car insurance for distracted drivers.
$1,749
per year
3. Nodak Mutual
In 2020 Nodak Mutual ranked #3 in North Dakota for the cheapest car insurance for distracted drivers.
$1,803
per year
4. Progressive
In 2020 Progressive ranked #4 in North Dakota for the cheapest car insurance for distracted drivers.
$2,649
per year
5. National Farmers Union P&C
In 2020 National Farmers Union P&C ranked #5 in North Dakota for the cheapest car insurance for distracted drivers.
$4,088
per year

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 Companies in ND 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 previous missed payments or exorbitant debt. North Dakota car insurance agencies must assess the risk of each customer they ensure, and those with bad credit are seen as being a higher risk. The following table looks at approximate costs for car insurance for those with bad credit.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in North Dakota for the cheapest car insurance for poor credit history drivers.
$1,108
per year
2. State Farm
In 2020 State Farm ranked #2 in North Dakota for the cheapest car insurance for poor credit history drivers.
$1,200
per year
3. Nodak Mutual
In 2020 Nodak Mutual ranked #3 in North Dakota for the cheapest car insurance for poor credit history drivers.
$1,243
per year
4. Progressive
In 2020 Progressive ranked #4 in North Dakota for the cheapest car insurance for poor credit history drivers.
$1,911
per year
5. National Farmers Union P&C
In 2020 National Farmers Union P&C ranked #5 in North Dakota for the cheapest car insurance for poor credit history drivers.
$2,719
per year

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.

Cheapest Car Insurance Companies in North Dakota 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.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in North Dakota for the cheapest car insurance for seniors.
$1,121
per year
2. State Farm
In 2020 State Farm ranked #2 in North Dakota for the cheapest car insurance for seniors.
$1,289
per year
3. Nodak Mutual
In 2020 Nodak Mutual ranked #3 in North Dakota for the cheapest car insurance for seniors.
$1,317
per year
4. Progressive
In 2020 Progressive ranked #4 in North Dakota for the cheapest car insurance for seniors.
$2,273
per year
5. National Farmers Union P&C
In 2020 National Farmers Union P&C ranked #5 in North Dakota for the cheapest car insurance for seniors.
$3,175
per year

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.

Cheapest Car Insurance for Students

North Dakota Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,550 INCREASE

This is a difference of 107%.

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 below looks at average costs for drivers aged 14-19.

Company
Amount
1. Nodak Mutual
In 2020 Nodak Mutual ranked #1 in North Dakota for the cheapest car insurance for students.
$2,202
per year
2. American Family
In 2020 American Family ranked #2 in North Dakota for the cheapest car insurance for students.
$2,685
per year
3. Progressive
In 2020 Progressive ranked #3 in North Dakota for the cheapest car insurance for students.
$3,472
per year
4. State Farm
In 2020 State Farm ranked #4 in North Dakota for the cheapest car insurance for students.
$3,632
per year
5. National Farmers Union P&C
In 2020 National Farmers Union P&C ranked #5 in North Dakota for the cheapest car insurance for students.
$5,075
per year


Premium Comparison by Student Type

PREMIUM COMPARISON FOR TWO ADULTS + A 16-YEAR-OLD

car
Average premium for two 2014

Mustang GTs

$4,581
car
Average premium for two 2008

Town and Country Limiteds

$2,733
Annual benefits of minivans:$1,848 saved

This is 40% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$752 DECREASE

This is a savings of 23%.

Potential discounts for teens in North Dakota

Impact on annual premium with good student and defensive driving discounts:

coins
$368 SAVED

North Dakota students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$2,966 at home

graduation

$2,562 at school

$404 IN SAVINGS

female
Average premium for a 19-year-old female
car

$2,489 at home

graduation

$2,239 at school

$250 IN SAVINGS

Insurance Rate Information for Military Drivers and Veterans

The North Dakota Department of Veterans Affairs maintains an online resource available to all military vets, including discounts on car insurance. Military members from North Dakota or stationed in the Peace Garden State are also eligible for a price break on vehicle insurance. Because policies change, it's best to contact several insurance carriers for quotes to compare.

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— to register a vehicle you must complete the DMV forms, and an out-of-state vehicle title bearing your name must be submitted with the application. 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.

Age savings for North Dakota service members

male
25 years$1,302
50 years$1,019
female
25 years$1,197
50 years$1,008

$283 Saved
$189 Saved

Median auto insurance for service members: $1,079

Who Needs Car Insurance in North Dakota?

Anyone who wants to register a vehicle for road use in North Dakota must carry at least the minimum auto insurance required by the state or post a hefty bond (see Alternatives to Insurance, below).

Proof of Insurance in North Dakota

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

Minimum Liability Insurance Requirements in North Dakota

The minimum amounts required for liability are:

  • $25,000 per person for injury.
  • $50,000 injuries involving two or more people.
  • $25,000 for property damage.

The minimum coverage for uninsured/underinsured motorist insurance is:

  • $25,000 per person for injury.
  • $50,000 for total injury of all passengers.

The minimum no-fault coverage is:

  • $30,000 in personal injury protection (PIP).

Alternatives to Insurance in North Dakota

North Dakota drivers can register a vehicle with a $25,000 secured bond rather than buying auto insurance. A photocopy of the bond must be available to show any police officer who asks for proof of financial responsibility.

Car Insurance Requirements in ND: How Much Coverage Do You Need?

What percentage of drivers in North Dakota lack vehicle insurance?

6.8%

National average: 13%

Source:

Insurance Information Institute.

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 injury or death 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 to a car after a traffic accident.
  • Comprehensive - helps cover non-accident related incidents, such as vandalism.
  • Medical expenses - helps pay medical bills after an accident.

Auto Insurance Rates

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Sources