- 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.
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.
North Dakota drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 state minimum coverage in North Dakota
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In North Dakota, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in North Dakota, ranked from cheapest to most expensive for 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.
In the table below, see the average annual rates from North Dakota’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 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 in North Dakota after a speeding ticket
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 in North Dakota after a DUI conviction
Progressive offers the cheapest car insurance to North Dakota drivers with a DUI conviction at $1,321 per year and State Farm has the second-cheapest insurance premiums at $1,370 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of 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 companies in North Dakota after an at-fault accident
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.
Check out the most affordable insurance options in your neighboring state
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 companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your 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
Average savings 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 |
Final thoughts on cheap car insurance in North Dakota
Our research shows that American Family has the cheapest full coverage car insurance rates in North Dakota for individuals with a good driving record.
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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