High-risk drivers usually pay a more expensive premium because they have a bigger likelihood of filing a claim. To find the most affordable auto quotes in North Dakota for a high-risk driver, shop around and compare quotes from several auto insurance providers.
MoneyGeek’s top pick for high-risk drivers in North Dakota is American Family. It’s also the cheapest company, costing high-risk drivers around $598 per year. However, the best and cheapest options for you may differ.
Best Companies for High-Risk Drivers in 2023




High-risk drivers have a DUI conviction or a record of driving violations, like tickets and at-fault accidents. Insurance companies also consider teen drivers as high-risk since they are inexperienced on the road. Hence, your driving history plays a big role in determining your auto insurance rate in North Dakota.
To offset the expenses of a potential claim, car insurance companies charge high-risk drivers a more expensive premium. High-risk drivers in North Dakota should anticipate paying around 25% more for a car insurance policy than a driver with a clean record.
Drivers with severe driving violations are considered high-risk. Some examples include driving with a suspended or revoked license or driving under the influence of alcohol or drugs (DUI). Additionally, those with good credit but a past violation may be considered high-risk drivers.
If you fall under one of the following profiles, you are a high-risk driver:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Cheapest Car Insurance in North Dakota for High-Risk Drivers
In North Dakota, American Family offers the cheapest insurance for high-risk drivers, costing an average of $598 per year.
You can learn more about American Family in MoneyGeek’s comprehensive review to determine if it’s the best-suited company for your needs.
In North Dakota, drivers with serious violations such as DUIs must get SR-22 car insurance. An SR-22 is a form your insurer files on your behalf to verify that your auto insurance meets the state’s minimum requirements. Also, those with a reckless driving violation or drivers caught driving without insurance must file an SR-22.
Best Car Insurance in North Dakota for High-Risk Drivers
MoneyGeek’s analysis determined that the best auto insurance company for high-risk drivers in North Dakota is American Family, scoring 91 out of 100. We dive into the pros and cons, coverage types and average cost of American Family policies in our review so you can make a well-informed decision.
The second-best company for high-risk drivers in North Dakota is State Farm, scoring 87 out of 100. Our review highlights the discounts and coverages the company provides.

For high-risk drivers in North Dakota, the average cost of auto insurance with American Family is $598 per year. Drivers with clean records pay approximately 4% less for the same policy.
American Family is an excellent option for high-risk drivers in North Dakota. It garnered an above-average customer service score on MoneyGeek’s rating system.
The insurer offers many discounts, such as automatic payment and loyalty, and has rare add-on coverages like original equipment manufacturer (OEM) parts coverage.
However, American Family lacks common add-on coverages such as new car replacement.

For high-risk drivers in North Dakota, the average cost of auto insurance with American Family is $598 per year. Drivers with clean records pay approximately 4% less for the same policy.
American Family is an excellent option for high-risk drivers in North Dakota. It garnered an above-average customer service score on MoneyGeek’s rating system.
The insurer offers many discounts, such as automatic payment and loyalty, and has rare add-on coverages like original equipment manufacturer (OEM) parts coverage.
However, American Family lacks common add-on coverages such as new car replacement.

In North Dakota, State Farm auto insurance for high-risk drivers costs about $652 per year. That is roughly 11% more expensive than the rate clean-record drivers pay.
With State Farm, North Dakota high-risk drivers get quality service.
State Farm offers add-on rideshare insurance, roadside assistance and rental car/travel reimbursement but doesn’t provide gap insurance, better car replacement coverage or deductible modification.
High-risk drivers may be eligible for various discounts through State Farm, such as good student, new vehicle, airbag and anti-theft system.

In North Dakota, State Farm auto insurance for high-risk drivers costs about $652 per year. That is roughly 11% more expensive than the rate clean-record drivers pay.
With State Farm, North Dakota high-risk drivers get quality service.
State Farm offers add-on rideshare insurance, roadside assistance and rental car/travel reimbursement but doesn’t provide gap insurance, better car replacement coverage or deductible modification.
High-risk drivers may be eligible for various discounts through State Farm, such as good student, new vehicle, airbag and anti-theft system.
In certain situations, high-quality insurance comes with a more expensive cost. But you can still find reasonable rates for excellent customer service quality by weighing different options for low-income car insurance in North Dakota.
Cheapest Car Insurance in North Dakota for Drivers With a DUI
If you’re convicted of a DUI, American Family offers the most affordable car insurance in North Dakota at around $598 per year. MoneyGeek reviewed American Family to outline its pros and cons, add-on coverages and customer service quality.
Eligible military personnel with a DUI in North Dakota could consider a high-risk auto insurance policy through USAA, an often affordable option.
North Dakota has a five-year look-back period. A look-back period is the amount of time a DUI violation stays on a driving record. The time frame varies by state, but the goal of it is to deter repeat offenders and accommodate harsher sentencing and penalties.
Cheapest Car Insurance in North Dakota for Teenage Drivers
If you’re a teen driver, MoneyGeek’s top pick for the cheapest auto insurance in North Dakota is State Farm. On average, its premium costs $2,563 per year.
Keep in mind that your final rate depends on factors like your age and the car you drive. Read more about State Farm to know its perks and downsides.
Car insurance policies are generally pricey for students and teen drivers. MoneyGeek highly encourages teen drivers to purchase full coverage instead of the state minimum coverage, though. In the event of an accident, having robust auto insurance coverage offers peace of mind and needed protection. Determine the best and cheapest car insurance for teen drivers by comparing your options.
Cheapest Car Insurance in North Dakota for Drivers With Bad Credit
Drivers with bad credit pay a more expensive premium because there’s a chance they might not meet monthly payments or file a claim more often. In North Dakota, drivers with bad credit scores can consider GEICO; it offers the cheapest premium at around $872 per year.
You can read up on GEICO in MoneyGeek’s review to learn about its coverages, customer service and discounts.
Even if you have bad credit, you can still purchase cheap, quality auto insurance. To snag an affordable deal, we recommend shopping around to find the best auto insurance company for your financial background and driving record.
How Much Does Car Insurance Cost for High-Risk Drivers in North Dakota?
When insurance companies calculate your premium, they evaluate your driving history and profile. To offset the insurer’s possible loss, high-risk drivers pay more expensive insurance rates.
In North Dakota, high-risk drivers pay roughly $978 per year, whereas those with clean records pay around $688 per year. That is around a 25% increase for high-risk drivers in the state.
Annual Car Insurance Cost in XX for Low-Risk vs. High-Risk Drivers
Low-Risk Driver
$688High-Risk Driver
$978This is 42% more expensive.
To estimate your auto insurance cost, MoneyGeek has a North Dakota car insurance calculator. You can input your personal information, like driving record, vehicle type, coverage amount and age, to get a customized estimate. It can help you figure out which factor heavily influences your premium.
Auto Insurance Calculator
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Can You Still Get Car Insurance in North Dakota if Insurers Refuse to Insure You?
The insurance industry is a voluntary market. Thus, in some cases, auto insurance companies can refuse to cover you if it is too high of a risk. If that happens, the Automobile Insurance Plan Service Office (AIPSO) can get you a residual market plan. AIPSO is a non-profit corporation that has been helping high-risk drivers in the residual insurance market since its formation in 1972.
North Dakota Automobile Insurance Plan
AIPSO has a residual market plan database for each state. The plan in North Dakota is known as the North Dakota Automobile Insurance Plan (NDAIP).
To apply, drivers must show that they were unable to obtain auto insurance in North Dakota within 60 days of the residual market plan application. Another eligibility requirement is a valid driver's license or the ability to get one.
Office Hours
Monday–Friday, 8 a.m.–4 p.m. CT
Email
ndaip@aipso.com
Phone
888-706-6100
Fax
800-827-6260
Mailing Address
Central Region, P.O. Box 6530, Providence, RI 02940-6530
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Frequently Asked Questions
As a high-risk driver, shopping around for auto insurance in North Dakota can be tricky. To help, MoneyGeek answered commonly asked questions about high-risk auto insurance in North Dakota.
Methodology
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
About Mark Fitzpatrick

sources
- AIPSO. "About AIPSO." Accessed September 19, 2022.
- AIPSO. "AIPSO: Plan Sites > North Dakota." Accessed September 19, 2022.
- Responsibility.org. "State Law: DUI Look-Back Periods." Accessed September 19, 2022.