The cheapest car insurance in North Dakota costs $91 per month for a full coverage policy from American Family. That’s a $48 savings from the average cost of insurance in the state, which is $139 a month.
“Drivers looking to get the cheapest insurance premiums in North Dakota should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in North Dakota including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- According to recent data, American Family offers the cheapest full coverage car insurance in North Dakota at $91 per month.
- North Dakota drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In North Dakota, the city of West Fargo has the most affordable car insurance rates at $1,378 annually.
- Comparing price quotes from multiple insurers can help you save up to 35% per year on your car insurance policy in North Dakota.
Which company offers the cheapest car insurance in North Dakota?
American Family offers the cheapest car insurance rates in North Dakota for a full coverage policy with an average premium of $91 per month or around $1,092 per year, based on CarInsurance.com’s rate analysis.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in North Dakota. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in North Dakota per month
| Company | Full Coverage Monthly Rates |
|---|---|
| American Family | $91 |
| Nationwide | $96 |
| Progressive | $117 |
| Auto-Owners | $143 |
| State Farm | $145 |
| Geico | $148 |
| North Star Mutual | $163 |
| Farmers | $173 |
| Nodak Insurance | $186 |
| Allstate | $195 |
| USAA* | $69 |
Note: USAA is only available to military community members and their families.
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Who pays a lower insurance premium in North Dakota?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- North Dakota drivers with clean records pay 43% less than drivers who have a DUI on their record.
- North Dakota drivers in their 20s pay 61% lower rates for insurance than a 16-year-old in North Dakota.
- Adding a teen to your policy will cost you 81% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 25% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 9% for this state more on their premiums.
Cheapest North Dakota companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- American Family is the cheapest for a state minimum policy.
- American Family has the cheapest rates for a liability-only policy (50/100/50).
- American Family offers the cheapest car insurance for a full coverage policy (100/300/100) in North Dakota.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in North Dakota
North Dakota requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in North Dakota, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| American Family | $171 |
| Nodak Insurance | $239 |
| Geico | $270 |
| North Star Mutual | $275 |
| Auto-Owners | $289 |
| State Farm | $317 |
| Nationwide | $379 |
| Progressive | $388 |
| Farmers | $607 |
| Allstate | $740 |
| USAA* | $163 |
Note: USAA is only available to military community members and their families.
Cheapest North Dakota insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in North Dakota, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| American Family | $177 |
| Nodak Insurance | $267 |
| Geico | $285 |
| North Star Mutual | $300 |
| Auto-Owners | $317 |
| State Farm | $348 |
| Nationwide | $351 |
| Progressive | $417 |
| Farmers | $638 |
| Allstate | $793 |
| USAA* | $176 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in North Dakota for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below shows the average annual rates from major insurance providers in North Dakota, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| American Family | $1,092 |
| Nationwide | $1,152 |
| Progressive | $1,403 |
| Auto-Owners | $1,717 |
| State Farm | $1,738 |
| Geico | $1,773 |
| North Star Mutual | $1,959 |
| Farmers | $2,077 |
| Nodak Insurance | $2,233 |
| Allstate | $2,339 |
| USAA* | $826 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in North Dakota by driving history
In North Dakota, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In North Dakota, drivers with a history of such violations typically pay $441 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in North Dakota
If you have a speeding ticket on your North Dakota driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,370 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,284 | $1,370 | 7% | $86 |
| Auto-Owners | $1,229 | $1,422 | 16% | $193 |
| Nationwide | $971 | $1,435 | 48% | $464 |
| Progressive | $1,219 | $1,472 | 21% | $253 |
| American Family | $1,158 | $1,472 | 27% | $314 |
| Geico | $1,207 | $1,487 | 23% | $280 |
| Farmers | $1,477 | $1,912 | 29% | $434 |
| Allstate | $1,863 | $2,089 | 12% | $226 |
| USAA* | $679 | $806 | 19% | $127 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in North Dakota after a DUI conviction
North Dakota drivers with a DUI on their record can get the cheapest car insurance from Progressive at an average of $1,321 a year, followed by State Farm with an annual premium of $1,370 annually, based on recent data.
If you have a clean record, you are likely to pay 43% less for car insurance than someone with a DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Progressive | $1,219 | $1,321 | 8% | $102 |
| State Farm | $1,284 | $1,370 | 7% | $86 |
| American Family | $1,158 | $1,472 | 27% | $314 |
| Nationwide | $971 | $1,945 | 100% | $974 |
| Farmers | $1,477 | $1,983 | 34% | $506 |
| Auto-Owners | $1,229 | $2,133 | 74% | $905 |
| Allstate | $1,863 | $3,355 | 80% | $1,493 |
| Geico | $1,207 | $4,413 | 266% | $3,206 |
| USAA* | $679 | $1,587 | 134% | $908 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in North Dakota
The car insurance company with the cheapest driver rates after an at-fault accident is Nationwide, at $1,330 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,456 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $971 | $1,330 | 37% | $359 |
| State Farm | $1,284 | $1,456 | 13% | $173 |
| Auto-Owners | $1,229 | $1,503 | 22% | $275 |
| Progressive | $1,219 | $1,782 | 46% | $563 |
| Farmers | $1,477 | $2,021 | 37% | $544 |
| Allstate | $1,863 | $2,207 | 19% | $345 |
| Geico | $1,207 | $2,730 | 126% | $1,523 |
| USAA* | $679 | $943 | 39% | $264 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in North Dakota have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in North Dakota is West Fargo, at $1,378 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Below is a list of cities in North Dakota with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| West Fargo | $1,378 |
| Fargo | $1,379 |
| Grand Forks | $1,407 |
| Horace | $1,453 |
| Grand Forks AFB | $1,455 |
| Mekinock | $1,488 |
| Jamestown | $1,491 |
| Emerado | $1,492 |
| Harwood | $1,498 |
| Argusville | $1,498 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in North Dakota?
If you compare car insurance quotes, you could enjoy an annual saving of around 35% on a full coverage policy in North Dakota.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in North Dakota: Save on premiums
North Dakota drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in North Dakota.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 2% | $30 |
| Anti-theft device | 3% | $52 |
| Daily commute | 11% | $199 |
| Days advanced purchase | 7% | $108 |
| Days per week driven | 9% | $161 |
| Education | 5% | $73 |
| Electronic funds transfer | 6% | $92 |
| Homeowner | 3% | $61 |
| Lower annual mileage | 5% | $94 |
| Loyalty – years renewal with company | 7% | $97 |
| Marital status | 7% | $111 |
| Multi policy | 10% | $163 |
| Paperless/electornic documents | 5% | $87 |
| Payment type | 9% | $157 |
| Primary use | 14% | $237 |
| Profession | 10% | $152 |
| Safety devices | 3% | $50 |
| Telematics | 13% | $178 |
| Years insured | 24% | $901 |
| Years licensed | 26% | $840 |
The bottom line on cheap car insurance in North Dakota
Based on our research, if you are a good driver, American Family is the cheapest in North Dakota for a full coverage policy.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in North Dakota, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of North Dakota for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.