The Best Cheap Car Insurance in North Dakota for 2021

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In North Dakota, it’s a good idea to go beyond the minimum coverage and get additional insurance, as winter seasons are harsh in this state. USAA is the cheapest provider for 50/100/50 and state-minimum liability-only policies in North Dakota, but USAA only caters to military personnel and their families. The next most affordable option is Nodak Mutual. Its average annual prices are $208 for state-minimum coverage and $233 for 50/100/50 liability-only coverage.

Average Cost for Liability Coverage

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.

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

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.

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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

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 following table gives general estimates of car insurance after a DUI.

Average Car Insurance Rates With 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.

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.

Average Car Insurance Rates With a Ticket

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.

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 following table looks at approximate costs for car insurance for those with bad credit.

Average Car Insurance Rates for Drivers 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.

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.

Average Car Insurance Rates for Seniors

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.

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.

Average Car Insurance Rates for Students

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

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?

   Carrie L. Johnson

   When looking for the best auto insurance coverage for you, do your homework. Be an informed consumer and compare multiple companies before making a final decision. Ask friends and family members what auto insurance company they use and why. Ask if they have ever had a bad experience with a company and what happened.

2. What steps can drivers in North Dakota take to find affordable car insurance?

   Carrie L. Johnson

   Getting quotes from multiple insurance companies and comparing similar policies is the best way to find affordable car insurance. Drivers could also use an insurance broker to do this leg work for them. An insurance broker represents the buyer instead of the insurance company. The driver would tell the broker what type of coverage they want, and then the broker will provide the driver with a list of options. The broker will also assist the driver in obtaining the coverage they choose.

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Carrie L. JohnsonAssociate Professor and Extension Specialist at North Dakota State UniversityREAD ANSWERS

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About the Author

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Based in Nashville, Tennessee, Katy McWhirter specializes in researching and writing about education, health, travel and history. She holds a bachelor's degree in social entrepreneurship from Belmont University and a master's degree in history from the University of York. Prior to transitioning into her current role as a writer, McWhirter worked with numerous educational institutions and nonprofit organizations. More of her work can be found at www.thenative.me.

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