- American Family has the cheapest car insurance rates in North Dakota for full coverage at $91 a month among the companies analyzed by the team of CarInsurance.com.
- In North Dakota, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of West Fargo has the lowest auto insurance rates in North Dakota, with an average premium of $1,378 per year.
- You can save up to 35% per year on your car insurance policy in North Dakota by comparing price quotes from multiple insurers.
The cheapest full coverage car insurance in North Dakota is $91, saving you $48 compared to the average cost of insurance in the state, which is around $139 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in North Dakota, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Which company offers the cheapest car insurance rates in North Dakota?
Based on data analysis by CarInsurance.com, American Family provides the cheapest full coverage auto insurance rates for North Dakota drivers at a monthly rate of $91 or $1,092 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in North Dakota.
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.
Who pays the lowest auto insurance premiums 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 insurers for different coverage levels in North Dakota
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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
In North Dakota, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists North Dakota’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 insurance providers for liability-only coverage in North Dakota
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in North Dakota, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 full coverage in North Dakota
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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
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Cheapest auto insurance in North Dakota by driving history
Your driving history impacts insurance premiums in North Dakota, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In North Dakota, drivers with a history of traffic violation pay an average of $441 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in North Dakota after a speeding ticket
A speeding ticket can impact your North Dakota car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,370 a 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.
Cheap car insurance rates after a DUI conviction in North Dakota
CarInsurance.com analyzed insurance rates for North Dakota drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $1,321. State Farm is the second-cheapest insurer at an average of $1,370 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| 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
Nationwide is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,330.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,456.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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.
Check out the most affordable insurance options in your neighboring state
North Dakota cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
West Fargo is the city with the lowest premiums in North Dakota at an annual auto insurance rate of $1,378.
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.
Find below a list of North Dakota cities with the lowest car 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in North Dakota?
By comparing car insurance quotes, you can save an average of 35% per year for a full coverage policy in North Dakota.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in North Dakota: Save on premiums
Car insurance discounts in North Dakota can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in North Dakota.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in North Dakota is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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