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.
- 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 rates in North Dakota?
American Family has the cheapest full coverage car insurance in North Dakota, at an average premium of $91 per month or around $1,092 per year, based on CarInsurance.com data.
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.
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Who pays a lower insurance premium in North Dakota?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- 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 records.
- 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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as 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 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.
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 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.
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.
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 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 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 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.
Cheapest car insurance rates by state
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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.
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.
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 auto 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
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 |
Final thoughts on cheap car insurance in North Dakota
Based on our findings, American Family provides the cheapest rates for a full coverage policy in North Dakota if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in North Dakota, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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:
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
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
Managing Editor
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.