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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.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in North Dakota (September 2023)

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: $225 per year
  • American Family: $299 per year

Allstate minimum coverage policies average $743 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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

Nodak Mutual

$249

$21

American Family

$289

$24

American Family

$299

$25

Nationwide

$301

$25

Auto-Owners Insurance Co

$304

$25

Grinnell Mutual

$308

$26

Nationwide

$315

$26

State Farm

$320

$27

Auto-Owners Insurance Co

$322

$27

GEICO

$324

$27

Progressive

$326

$27

State Farm

$338

$28

American Family

$352

$29

Grinnell Mutual

$353

$29

Progressive

$372

$31

Nationwide

$372

$31

Auto-Owners Insurance Co

$373

$31

GEICO

$380

$32

Progressive

$396

$33

State Farm

$411

$34

GEICO

$446

$37

Grinnell Mutual

$448

$37

Farmers

$476

$40

Farmers

$531

$44

Farmers

$537

$45

American Family

$550

$46

Nodak Mutual

$568

$47

American Family

$615

$51

Nationwide

$623

$52

Nationwide

$693

$58

American Family

$708

$59

Allstate

$734

$61

Allstate

$743

$62

Nodak Mutual

$749

$62

GEICO

$764

$64

Allstate

$795

$66

Nationwide

$807

$67

Nodak Mutual

$820

$68

Auto-Owners Insurance Co

$860

$72

State Farm

$875

$73

Grinnell Mutual

$886

$74

Progressive

$913

$76

Auto-Owners Insurance Co

$913

$76

GEICO

$926

$77

Progressive

$966

$81

State Farm

$988

$82

Farmers

$1,000

$83

Farmers

$1,034

$86

Grinnell Mutual

$1,062

$88

GEICO

$1,147

$96

Farmers

$1,197

$100

Auto-Owners Insurance Co

$1,197

$100

Allstate

$1,201

$100

Progressive

$1,210

$101

State Farm

$1,229

$102

Allstate

$1,256

$105

Allstate

$1,261

$105

Grinnell Mutual

$1,432

$119

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.

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Cheapest Full Coverage Car Insurance in North Dakota (September 2023)

The following companies offer the cheapest full coverage auto insurance in North Dakota:

  • American Family: $615 per year
  • Nationwide: $693 per year

Allstate provides full coverage at an average of $1,201 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 $316 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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

Nodak Mutual

$249

$21

American Family

$289

$24

American Family

$299

$25

Nationwide

$301

$25

Auto-Owners Insurance Co

$304

$25

Grinnell Mutual

$308

$26

Nationwide

$315

$26

State Farm

$320

$27

Auto-Owners Insurance Co

$322

$27

GEICO

$324

$27

Progressive

$326

$27

State Farm

$338

$28

American Family

$352

$29

Grinnell Mutual

$353

$29

Progressive

$372

$31

Nationwide

$372

$31

Auto-Owners Insurance Co

$373

$31

GEICO

$380

$32

Progressive

$396

$33

State Farm

$411

$34

GEICO

$446

$37

Grinnell Mutual

$448

$37

Farmers

$476

$40

Farmers

$531

$44

Farmers

$537

$45

American Family

$550

$46

Nodak Mutual

$568

$47

American Family

$615

$51

Nationwide

$623

$52

Nationwide

$693

$58

American Family

$708

$59

Allstate

$734

$61

Allstate

$743

$62

Nodak Mutual

$749

$62

GEICO

$764

$64

Allstate

$795

$66

Nationwide

$807

$67

Nodak Mutual

$820

$68

Auto-Owners Insurance Co

$860

$72

State Farm

$875

$73

Grinnell Mutual

$886

$74

Progressive

$913

$76

Auto-Owners Insurance Co

$913

$76

GEICO

$926

$77

Progressive

$966

$81

State Farm

$988

$82

Farmers

$1,000

$83

Farmers

$1,034

$86

Grinnell Mutual

$1,062

$88

GEICO

$1,147

$96

Farmers

$1,197

$100

Auto-Owners Insurance Co

$1,197

$100

Allstate

$1,201

$100

Progressive

$1,210

$101

State Farm

$1,229

$102

Allstate

$1,256

$105

Allstate

$1,261

$105

Grinnell Mutual

$1,432

$119

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.

How to Compare Cheap North Dakota Car Insurance Quotes Online

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.

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Cheapest Car Insurance in North Dakota by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in North Dakota. MoneyGeek found that Nationwide and American Family offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: American Family
Cheapest for seniors: American Family

Cheapest Car Insurance in North Dakota for Teens and Their Families (September 2023)

Parents who want to add teen drivers to their policies will find the cheapest car insurance rates from:

  • Nationwide: $1,184 per year for male teens and $1,061 for female teens
  • Allstate: $1,634 per year for male teens and $1,343 for female teens

For comparison, Auto-Owners is the most expensive in North Dakota, averaging $2,459 per year for male teens and $2,304 for 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. Nationwide ($1,091 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.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$452

$751

GEICO

$545

$905

GEICO

$578

$960

Allstate

$584

$2,903

Nationwide

$636

$1,028

Nationwide

$643

$1,159

Nationwide

$648

$826

Nationwide

$658

$783

GEICO

$659

$1,095

GEICO

$713

$882

Allstate

$741

$3,654

Nationwide

$744

$886

State Farm

$755

$797

Nationwide

$758

$966

GEICO

$764

$1,127

Nationwide

$777

$924

GEICO

$789

$976

Farmers

$792

$1,077

Allstate

$796

$3,953

Nationwide

$798

$1,017

Nationwide

$815

$970

State Farm

$837

$883

GEICO

$842

$1,041

Farmers

$844

$1,172

Nationwide

$849

$1,082

State Farm

$849

$901

GEICO

$884

$1,303

Nationwide

$888

$1,434

Allstate

$896

$984

Allstate

$908

$968

Allstate

$919

$4,534

State Farm

$919

$970

Allstate

$929

$1,272

Nationwide

$935

$1,686

GEICO

$970

$1,200

State Farm

$970

$1,178

Allstate

$974

$1,038

State Farm

$977

$1,037

Nationwide

$982

$1,850

GEICO

$987

$2,371

Nationwide

$988

$1,596

Allstate

$1,019

$1,119

Allstate

$1,019

$1,491

State Farm

$1,023

$1,079

GEICO

$1,032

$1,521

GEICO

$1,042

$1,538

Nationwide

$1,049

$1,976

Allstate

$1,049

$1,118

Allstate

$1,052

$1,441

Nationwide

$1,061

$2,000

GEICO

$1,071

$2,573

State Farm

$1,079

$1,145

Nationwide

$1,091

$1,967

Nationwide

$1,096

$2,277

State Farm

$1,117

$1,356

Progressive

$1,124

$1,183

Allstate

$1,124

$1,235

Allstate

$1,132

$1,206

Progressive

$1,136

$1,172

GEICO

$1,154

$2,897

Farmers

$1,158

$3,703

GEICO

$1,166

$2,928

Nationwide

$1,171

$2,432

Auto-Owners Insurance Co

$1,179

$1,141

Nationwide

$1,184

$2,461

State Farm

$1,192

$1,448

Allstate

$1,211

$1,772

Farmers

$1,212

$3,881

Progressive

$1,214

$1,634

GEICO

$1,220

$1,800

Allstate

$1,223

$1,344

State Farm

$1,226

$1,301

Auto-Owners Insurance Co

$1,230

$1,138

Progressive

$1,253

$1,292

Allstate

$1,262

$1,728

State Farm

$1,264

$1,535

Progressive

$1,272

$1,338

Auto-Owners Insurance Co

$1,276

$1,235

Auto-Owners Insurance Co

$1,281

$1,185

State Farm

$1,285

$1,765

Farmers

$1,295

$950

Farmers

$1,312

$1,002

Farmers

$1,318

$966

Progressive

$1,319

$1,360

Farmers

$1,321

$968

Farmers

$1,335

$1,020

GEICO

$1,343

$3,228

Auto-Owners Insurance Co

$1,348

$1,247

Farmers

$1,350

$1,031

Farmers

$1,365

$1,857

Allstate

$1,374

$2,011

Auto-Owners Insurance Co

$1,382

$1,338

Progressive

$1,385

$1,458

Progressive

$1,392

$1,920

Auto-Owners Insurance Co

$1,394

$1,622

State Farm

$1,399

$1,700

Farmers

$1,399

$1,026

Farmers

$1,421

$1,973

GEICO

$1,425

$2,100

Farmers

$1,429

$4,567

Auto-Owners Insurance Co

$1,431

$1,323

Progressive

$1,437

$1,482

Auto-Owners Insurance Co

$1,447

$1,400

Farmers

$1,463

$1,118

State Farm

$1,469

$2,017

Farmers

$1,496

$4,791

Auto-Owners Insurance Co

$1,519

$1,470

Farmers

$1,536

$2,089

Progressive

$1,544

$2,079

Allstate

$1,548

$7,691

Progressive

$1,556

$1,637

Auto-Owners Insurance Co

$1,564

$1,514

Farmers

$1,580

$2,194

Auto-Owners Insurance Co

$1,601

$1,864

State Farm

$1,605

$1,950

Allstate

$1,634

$8,063

State Farm

$1,645

$2,230

GEICO

$1,652

$4,147

State Farm

$1,677

$2,303

Progressive

$1,684

$5,328

Progressive

$1,725

$2,379

Auto-Owners Insurance Co

$1,736

$1,679

Progressive

$1,748

$2,354

Auto-Owners Insurance Co

$1,808

$2,105

Progressive

$1,871

$5,928

State Farm

$1,884

$2,554

Farmers

$1,908

$6,100

Progressive

$1,913

$6,051

Progressive

$1,947

$2,686

Auto-Owners Insurance Co

$1,979

$2,407

Farmers

$1,982

$6,348

Progressive

$1,995

$6,310

Auto-Owners Insurance Co

$2,012

$1,863

Progressive

$2,092

$6,628

State Farm

$2,149

$2,913

Progressive

$2,162

$6,851

Auto-Owners Insurance Co

$2,194

$2,031

Auto-Owners Insurance Co

$2,235

$2,718

Auto-Owners Insurance Co

$2,304

$2,133

Auto-Owners Insurance Co

$2,459

$2,989

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

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.

Cheapest Car Insurance in North Dakota for Young Adults (September 2023)

The following companies are the cheapest in North Dakota for drivers in their 20s:

  • American Family: $708 per year
  • Nationwide: $807 per year

Grinnell Mutual offers the most expensive policies at $1,432 per year.

In North Dakota, young adult drivers pay more for car insurance than middle aged-drivers. For example, American Family policies for 40-year-old drivers are $93 cheaper than for 25-year-olds.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

Nodak Mutual

$249

$21

American Family

$289

$24

American Family

$299

$25

Nationwide

$301

$25

Auto-Owners Insurance Co

$304

$25

Grinnell Mutual

$308

$26

Nationwide

$315

$26

State Farm

$320

$27

Auto-Owners Insurance Co

$322

$27

GEICO

$324

$27

Progressive

$326

$27

State Farm

$338

$28

American Family

$352

$29

Grinnell Mutual

$353

$29

Progressive

$372

$31

Nationwide

$372

$31

Auto-Owners Insurance Co

$373

$31

GEICO

$380

$32

Progressive

$396

$33

State Farm

$411

$34

GEICO

$446

$37

Grinnell Mutual

$448

$37

Farmers

$476

$40

Farmers

$531

$44

Farmers

$537

$45

American Family

$550

$46

Nodak Mutual

$568

$47

American Family

$615

$51

Nationwide

$623

$52

Nationwide

$693

$58

American Family

$708

$59

Allstate

$734

$61

Allstate

$743

$62

Nodak Mutual

$749

$62

GEICO

$764

$64

Allstate

$795

$66

Nationwide

$807

$67

Nodak Mutual

$820

$68

Auto-Owners Insurance Co

$860

$72

State Farm

$875

$73

Grinnell Mutual

$886

$74

Progressive

$913

$76

Auto-Owners Insurance Co

$913

$76

GEICO

$926

$77

Progressive

$966

$81

State Farm

$988

$82

Farmers

$1,000

$83

Farmers

$1,034

$86

Grinnell Mutual

$1,062

$88

GEICO

$1,147

$96

Farmers

$1,197

$100

Auto-Owners Insurance Co

$1,197

$100

Allstate

$1,201

$100

Progressive

$1,210

$101

State Farm

$1,229

$102

Allstate

$1,256

$105

Allstate

$1,261

$105

Grinnell Mutual

$1,432

$119

Cheapest Car Insurance in North Dakota for Seniors (September 2023)

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

  • American Family: $550 per year
  • Nodak Mutual: $568 per year

Allstate sells policies at an average of $1,256 per year, the most expensive for this age group.

Compared with rates for 40-year-old drivers, senior drivers typically pay less. Seniors pay $65 less per year for American Family’s policies than 40-year-olds.

However, premiums tend to increase as drivers reach their 70s and 80s.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

Nodak Mutual

$249

$21

American Family

$289

$24

American Family

$299

$25

Nationwide

$301

$25

Auto-Owners Insurance Co

$304

$25

Grinnell Mutual

$308

$26

Nationwide

$315

$26

State Farm

$320

$27

Auto-Owners Insurance Co

$322

$27

GEICO

$324

$27

Progressive

$326

$27

State Farm

$338

$28

American Family

$352

$29

Grinnell Mutual

$353

$29

Progressive

$372

$31

Nationwide

$372

$31

Auto-Owners Insurance Co

$373

$31

GEICO

$380

$32

Progressive

$396

$33

State Farm

$411

$34

GEICO

$446

$37

Grinnell Mutual

$448

$37

Farmers

$476

$40

Farmers

$531

$44

Farmers

$537

$45

American Family

$550

$46

Nodak Mutual

$568

$47

American Family

$615

$51

Nationwide

$623

$52

Nationwide

$693

$58

American Family

$708

$59

Allstate

$734

$61

Allstate

$743

$62

Nodak Mutual

$749

$62

GEICO

$764

$64

Allstate

$795

$66

Nationwide

$807

$67

Nodak Mutual

$820

$68

Auto-Owners Insurance Co

$860

$72

State Farm

$875

$73

Grinnell Mutual

$886

$74

Progressive

$913

$76

Auto-Owners Insurance Co

$913

$76

GEICO

$926

$77

Progressive

$966

$81

State Farm

$988

$82

Farmers

$1,000

$83

Farmers

$1,034

$86

Grinnell Mutual

$1,062

$88

GEICO

$1,147

$96

Farmers

$1,197

$100

Auto-Owners Insurance Co

$1,197

$100

Allstate

$1,201

$100

Progressive

$1,210

$101

State Farm

$1,229

$102

Allstate

$1,256

$105

Allstate

$1,261

$105

Grinnell Mutual

$1,432

$119

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.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

Having a violation on your driving record can increase your rates. However, you may still be able to find affordable insurance.

MoneyGeek ranked American Family as the cheapest auto insurance for those with tickets, accidents or DUIs on their records.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American Family ($723 per year)
Cheapest after an accident: American Family ($615 per year)
Cheapest after a DUI: American Family ($723 per year)
Cheapest for poor credit: American Family ($952 per year)
Cheapest for sports cars: American Family ($574 per year)

Cheapest Car Insurance in North Dakota After a Ticket

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

  • American Family: $723 per year
  • Nationwide: $805 per year

Allstate is the most expensive in North Dakota for this driver profile at $1,341 per year.

Drivers in North Dakota with a speeding ticket on record pay an extra $129 each year compared with drivers with clean records.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$222

$19

Nodak Mutual

$267

$22

Nodak Mutual

$293

$24

Grinnell Mutual

$308

$26

State Farm

$320

$27

American Family

$326

$27

American Family

$337

$28

State Farm

$338

$28

Auto-Owners Insurance Co

$353

$29

Nationwide

$355

$30

Grinnell Mutual

$363

$30

Auto-Owners Insurance Co

$367

$31

Nationwide

$369

$31

American Family

$398

$33

GEICO

$400

$33

Progressive

$408

$34

State Farm

$411

$34

Auto-Owners Insurance Co

$425

$35

Nationwide

$426

$36

Progressive

$427

$36

GEICO

$444

$37

Grinnell Mutual

$448

$37

Progressive

$455

$38

GEICO

$522

$44

Farmers

$568

$47

Farmers

$629

$52

American Family

$647

$54

Nodak Mutual

$676

$56

Farmers

$686

$57

American Family

$723

$60

Nationwide

$736

$61

Allstate

$801

$67

Nationwide

$805

$67

Allstate

$812

$68

American Family

$836

$70

Allstate

$871

$73

State Farm

$875

$73

Grinnell Mutual

$886

$74

Nodak Mutual

$887

$74

Nationwide

$919

$77

GEICO

$943

$79

Auto-Owners Insurance Co

$946

$79

Nodak Mutual

$973

$81

State Farm

$983

$82

Auto-Owners Insurance Co

$1,021

$85

GEICO

$1,082

$90

Grinnell Mutual

$1,091

$91

Progressive

$1,188

$99

Progressive

$1,211

$101

State Farm

$1,229

$102

Auto-Owners Insurance Co

$1,318

$110

Farmers

$1,318

$110

Farmers

$1,338

$111

Allstate

$1,341

$112

GEICO

$1,342

$112

Allstate

$1,409

$117

Allstate

$1,409

$117

Progressive

$1,418

$118

Grinnell Mutual

$1,432

$119

Farmers

$1,473

$123

Cheapest Car Insurance in North Dakota After an Accident

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

  • American Family: $615 per year
  • Nationwide: $693 per year

The most expensive company, GEICO, offers policies at $1,977 per year.

In North Dakota, your insurance rates may increase by an average of $284 yearly if you have an at-fault accident on your record compared with drivers with a clean record.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$266

$22

American Family

$289

$24

Nodak Mutual

$294

$25

American Family

$299

$25

Nationwide

$301

$25

Grinnell Mutual

$308

$26

Nationwide

$315

$26

Nodak Mutual

$326

$27

State Farm

$350

$29

American Family

$352

$29

Grinnell Mutual

$363

$30

Nationwide

$372

$31

State Farm

$372

$31

Auto-Owners Insurance Co

$419

$35

Auto-Owners Insurance Co

$435

$36

Grinnell Mutual

$448

$37

State Farm

$452

$38

Auto-Owners Insurance Co

$508

$42

Progressive

$512

$43

American Family

$550

$46

Progressive

$555

$46

Progressive

$563

$47

American Family

$615

$51

Nationwide

$623

$52

Farmers

$658

$55

Nationwide

$693

$58

American Family

$708

$59

Farmers

$722

$60

GEICO

$731

$61

Farmers

$783

$65

Nationwide

$807

$67

Nodak Mutual

$813

$68

GEICO

$815

$68

Grinnell Mutual

$886

$74

GEICO

$887

$74

Allstate

$911

$76

Allstate

$926

$77

State Farm

$937

$78

Nodak Mutual

$976

$81

Allstate

$1,002

$84

State Farm

$1,049

$87

Nodak Mutual

$1,071

$89

Auto-Owners Insurance Co

$1,079

$90

Grinnell Mutual

$1,091

$91

Auto-Owners Insurance Co

$1,157

$96

State Farm

$1,317

$110

Grinnell Mutual

$1,432

$119

Farmers

$1,445

$120

Progressive

$1,457

$121

Farmers

$1,482

$124

Auto-Owners Insurance Co

$1,502

$125

Allstate

$1,531

$128

Progressive

$1,540

$128

Farmers

$1,603

$134

Allstate

$1,607

$134

Allstate

$1,620

$135

Progressive

$1,710

$143

GEICO

$1,845

$154

GEICO

$1,977

$165

GEICO

$2,105

$175

Cheapest Car Insurance in North Dakota After a DUI

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

  • American Family: $723 per year
  • State Farm: $983 per year

GEICO sells the most expensive policies at $3,019 per year.

A DUI can increase your premiums by an average of $526 more per year.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$293

$24

Grinnell Mutual

$308

$26

State Farm

$320

$27

American Family

$326

$27

American Family

$337

$28

State Farm

$338

$28

Nodak Mutual

$352

$29

Grinnell Mutual

$363

$30

Progressive

$375

$31

Progressive

$387

$32

Nodak Mutual

$388

$32

American Family

$398

$33

State Farm

$411

$34

Progressive

$423

$35

Grinnell Mutual

$448

$37

Nationwide

$565

$47

Nationwide

$581

$48

Farmers

$634

$53

American Family

$647

$54

Nationwide

$652

$54

Auto-Owners Insurance Co

$671

$56

Auto-Owners Insurance Co

$695

$58

Farmers

$696

$58

American Family

$723

$60

Farmers

$764

$64

Auto-Owners Insurance Co

$816

$68

American Family

$836

$70

State Farm

$875

$73

Grinnell Mutual

$886

$74

Nodak Mutual

$890

$74

State Farm

$983

$82

Progressive

$1,066

$89

Progressive

$1,078

$90

Grinnell Mutual

$1,091

$91

Allstate

$1,108

$92

Allstate

$1,120

$93

Nationwide

$1,160

$97

Nodak Mutual

$1,167

$97

GEICO

$1,199

$100

Allstate

$1,227

$102

State Farm

$1,229

$102

GEICO

$1,234

$103

Nationwide

$1,247

$104

GEICO

$1,248

$104

Nodak Mutual

$1,283

$107

Progressive

$1,296

$108

Nationwide

$1,387

$116

Farmers

$1,411

$118

Grinnell Mutual

$1,432

$119

Farmers

$1,455

$121

Farmers

$1,567

$131

Auto-Owners Insurance Co

$1,584

$132

Auto-Owners Insurance Co

$1,670

$139

Allstate

$2,029

$169

Allstate

$2,159

$180

Allstate

$2,165

$180

Auto-Owners Insurance Co

$2,200

$183

GEICO

$2,865

$239

GEICO

$3,019

$252

GEICO

$3,062

$255

Cheapest Car Insurance in North Dakota for Drivers With Poor Credit (September 2023)

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:

  • American Family: $952 per year
  • Nationwide: $973 per year

Auto-Owners offers the most expensive full coverage insurance for drivers with poor credit at $2,624 per year.

Having a poor credit score can add $770 to your car insurance premium.

Company
Annual Premium
Monthly Premium

GEICO

$400

$33

Nodak Mutual

$427

$36

Nationwide

$431

$36

Nationwide

$453

$38

American Family

$470

$39

American Family

$492

$41

Nodak Mutual

$516

$43

Nationwide

$533

$44

Grinnell Mutual

$541

$45

Nodak Mutual

$569

$47

Progressive

$569

$47

American Family

$592

$49

GEICO

$603

$50

Progressive

$619

$52

Grinnell Mutual

$640

$53

GEICO

$674

$56

Progressive

$683

$57

State Farm

$691

$58

Farmers

$709

$59

State Farm

$733

$61

Farmers

$790

$66

Grinnell Mutual

$791

$66

Auto-Owners Insurance Co

$803

$67

Farmers

$810

$68

Auto-Owners Insurance Co

$836

$70

American Family

$853

$71

Nationwide

$869

$72

State Farm

$890

$74

GEICO

$943

$79

American Family

$952

$79

Auto-Owners Insurance Co

$966

$81

Nationwide

$973

$81

Allstate

$990

$83

Allstate

$1,011

$84

Allstate

$1,095

$91

American Family

$1,110

$93

Nationwide

$1,136

$95

Nodak Mutual

$1,303

$109

GEICO

$1,471

$123

Farmers

$1,541

$128

Grinnell Mutual

$1,555

$130

Farmers

$1,583

$132

Progressive

$1,600

$133

Nodak Mutual

$1,713

$143

Progressive

$1,725

$144

GEICO

$1,734

$144

Allstate

$1,751

$146

Farmers

$1,808

$151

Allstate

$1,839

$153

Allstate

$1,843

$154

Nodak Mutual

$1,878

$157

State Farm

$1,901

$158

Grinnell Mutual

$1,915

$160

Progressive

$2,107

$176

State Farm

$2,135

$178

Auto-Owners Insurance Co

$2,405

$200

Grinnell Mutual

$2,515

$210

Auto-Owners Insurance Co

$2,624

$219

State Farm

$2,671

$223

Auto-Owners Insurance Co

$3,386

$282

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.

Cheapest Car Insurance in North Dakota for Sports Cars (September 2023)

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: $574 per year
  • Nationwide: $739 per year

The most expensive insurer is Progressive at $1,269 per year.

Drivers of a Ford Mustang in North Dakota pay $96 more than Toyota Camry drivers.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$187

$16

Nodak Mutual

$225

$19

Nodak Mutual

$249

$21

American Family

$289

$24

American Family

$299

$25

Nationwide

$301

$25

Auto-Owners Insurance Co

$304

$25

Grinnell Mutual

$308

$26

Nationwide

$315

$26

State Farm

$320

$27

Auto-Owners Insurance Co

$322

$27

GEICO

$324

$27

Progressive

$326

$27

State Farm

$338

$28

American Family

$352

$29

Grinnell Mutual

$353

$29

Progressive

$372

$31

Nationwide

$372

$31

Auto-Owners Insurance Co

$373

$31

GEICO

$380

$32

Progressive

$396

$33

State Farm

$411

$34

GEICO

$446

$37

Grinnell Mutual

$448

$37

Farmers

$476

$40

American Family

$514

$43

Farmers

$531

$44

Farmers

$537

$45

American Family

$574

$48

Nationwide

$660

$55

American Family

$660

$55

Allstate

$734

$61

Nationwide

$739

$62

Allstate

$743

$62

Allstate

$795

$66

Auto-Owners Insurance Co

$829

$69

Nationwide

$871

$73

Farmers

$899

$75

Auto-Owners Insurance Co

$903

$75

Farmers

$976

$81

GEICO

$1,010

$84

State Farm

$1,060

$88

Progressive

$1,080

$90

Farmers

$1,128

$94

Auto-Owners Insurance Co

$1,168

$97

Allstate

$1,192

$99

State Farm

$1,193

$99

Allstate

$1,224

$102

GEICO

$1,239

$103

Progressive

$1,269

$106

Allstate

$1,273

$106

State Farm

$1,513

$126

GEICO

$1,575

$131

Progressive

$1,653

$138

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.

Cheapest Car Insurance in North Dakota for Military Drivers (September 2023)

If you’re an active military member or a veteran, the cheapest insurance company in North Dakota is USAA at $450 per year.

USAA is generally the best choice for military members as its policies and discounts are tailored for them.

mglogo
MoneyGeek Top Pick
USAA
  • $450 per year

USAA policies and discounts are tailored to military members. Some of its common discounts include bundling, defensive driving, drivers education, multiple car and safe driving.

Cheapest Car Insurance in North Dakota by City

Car insurance costs can vary depending on where in North Dakota you live. In Fargo, the cheapest full coverage policy comes from Nodak Mutual, with annual premiums averaging $634. Click to learn more about car insurance in the city.

City
Cheapest Company
Annual Premium

Fargo

Nodak Mutual

$634

Car Insurance in North Dakota: What You Need to Know

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.

North Dakota Car Insurance Requirements

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.

  • male icon

    Bodily Injury Liability

    Minimum car insurance laws in North Dakota state that drivers should have at least $25,000 bodily injury liability per person and $50,000 bodily injury liability per accident. This minimum requirement is an estimate, so you will likely need higher coverage to ensure full protection.

  • accident2 icon

    Property Damage Liability

    Similarly, drivers in North Dakota need at least $25,000 for property damage liability, which pays for the damages caused to another person’s vehicle.

  • carInsurance icon

    Uninsured Motorist Coverage

    Uninsured motorist coverage protects you when you’ve been in an accident with an uninsured motorist. Drivers in North Dakota must have coverage of at least $25,000 per person and $50,000 per accident.

  • hospital icon

    Personal Injury Protection

    This type of coverage protects you against medical expenses. Not all states require PIP. However, you need at least $30,000 in personal injury protection in North Dakota.

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.

Car Insurance Alternatives in North Dakota

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.

FAQs About Car Insurance in North Dakota

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

Expert Advice on Finding Cheap Car Insurance in North Dakota

To help you find credible and accurate insight into car insurance in North Dakota, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed 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
Carrie L. Johnson

Associate Professor and Extension Specialist at North Dakota State University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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