Car Insurance in North Dakota: How to Find the Policy That Fits You

MoneyGeek provided solutions for all your car insurance needs in North Dakota.

Find the Best or Cheapest Car Insurance in North Dakota

MoneyGeek gathered and analyzed quotes to find the cheapest companies for car insurance in North Dakota. We used our own unique scoring system to determine which insurers have the best balance of cost and affordability.

We calculated overall car insurance costs based on various factors, such as age, driving record and more.

We examined the cheapest and best car insurance in North Dakota for certain types of drivers above, and the table below provides a brief summary of what to expect. Unless stated otherwise, all information included here is for full coverage policies.

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THE CHEAPEST CAR INSURANCE COMPANIES IN NORTH DAKOTA
  • Minimum liability: Nodak Mutual
  • Full coverage: Nodak Mutual
  • Drivers with a DUI: American Family
  • After an accident: USAA
  • Drivers with a ticket: Nodak Mutual
  • Drivers with bad credit: GEICO
  • Senior drivers: Nodak Mutual
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN NORTH DAKOTA
  • Overall: GEICO
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: GEICO
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Allstate
  • Low-Mileage Drivers: Allstate

Get a North Dakota Car Insurance Quote

Car insurance quotes in North Dakota can vary by as much as $790 annually for the same driver across different companies. For this reason, it’s important to gather and compare quotes from various insurers when shopping for car insurance. By doing this, you can potentially save money.

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Car Insurance Laws in North Dakota

MoneyGeek provided resources to help you understand North Dakota car insurance laws and requirements. The state mandates that drivers have at least the following liability, personal injury protection (PIP) and uninsured motorist insurance coverages:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property damage
  • $25,000 per person for bodily injury for uninsured/underinsured motorist coverage
  • $50,000 per accident for bodily injury for uninsured/underinsured motorist coverage
  • $30,000 personal injury protection

Since North Dakota only mandates these low liability limits and doesn’t require comprehensive and collision insurance, it’s best to assess how much car insurance you should get. The state’s requirements may be different from your car insurance needs.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN NORTH DAKOTA?

North Dakota drivers with severe traffic violations are required to file an SR-22, which serves as proof of insurance. MoneyGeek broke down how much you need to pay for SR-22 in North Dakota and outlined how to file this form with your insurer.

Specialty Car Insurance in North Dakota

Traditional car insurance may not be enough to meet your needs. MoneyGeek explored alternative forms of car insurance in North Dakota to help you find the policy best suited for you. These include non-owner, temporary and low-income car insurance. Learn more about these unique types below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Drivers who don’t own a car but need proof of insurance may get non-owner car insurance in North Dakota.

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Temporary car insurance

Drivers who only need coverage for a few months may get rental car or temporary car insurance in North Dakota.

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Car insurance for low-income drivers

Although the state doesn’t have any car insurance assistance programs, drivers may still potentially save some money by looking at options for low-income car insurance in North Dakota.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.