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.
- Among the companies analyzed by CarInsurance.com, American Family stands out as the cheapest option for full coverage car insurance in North Dakota, with an insurance premium of $91 per month.
- Drivers in North Dakota with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in North Dakota is West Fargo, with an annual premium of $1,378.
- North Dakota drivers can save up to 35% annually on their auto insurance policy by comparing price quotes from multiple carriers.
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 policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in North Dakota by different insurance carriers for a full coverage policy.
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 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 liability-only coverage in North Dakota
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 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
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’ve got a speeding ticket on your North Dakota driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,370, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in North Dakota.
| 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
Cities with the lowest auto insurance rates in North Dakota
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In North Dakota, West Fargo stands out as the city with the lowest auto insurance rates, at an average of $1,378 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in North Dakota with the most affordable 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 |
Learn about the 10 most important factors that affect 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
In North Dakota, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in North Dakota below.
| 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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