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.

Key Highlights
  • 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

CompanyFull 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.

Tip iconTip

If 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 coverageMinimum 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.

CompanyState 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.

CompanyLiability 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.

CompanyFull 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.

CompanyRates before speedingAfter speeding (1-29 mph over limit)% difference$ difference
State Farm$1,284$1,3707%$86
Auto-Owners$1,229$1,42216%$193
Nationwide$971$1,43548%$464
Progressive$1,219$1,47221%$253
American Family$1,158$1,47227%$314
Geico$1,207$1,48723%$280
Farmers$1,477$1,91229%$434
Allstate$1,863$2,08912%$226
USAA*$679$80619%$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 DUIRates after a DUI% difference$ difference
Progressive$1,219$1,3218%$102
State Farm$1,284$1,3707%$86
American Family$1,158$1,47227%$314
Nationwide$971$1,945100%$974
Farmers$1,477$1,98334%$506
Auto-Owners$1,229$2,13374%$905
Allstate$1,863$3,35580%$1,493
Geico$1,207$4,413266%$3,206
USAA*$679$1,587134%$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.

CompanyRates before accidentRates after accident% difference$ difference
Nationwide$971$1,33037%$359
State Farm$1,284$1,45613%$173
Auto-Owners$1,229$1,50322%$275
Progressive$1,219$1,78246%$563
Farmers$1,477$2,02137%$544
Allstate$1,863$2,20719%$345
Geico$1,207$2,730126%$1,523
USAA*$679$94339%$264

Note: USAA is only available to military community members and their families.

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.

CityFull 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 bags2%$30
Anti-theft device3%$52
Daily commute11%$199
Days advanced purchase7%$108
Days per week driven9%$161
Education5%$73
Electronic funds transfer6%$92
Homeowner3%$61
Lower annual mileage5%$94
Loyalty – years renewal with company7%$97
Marital status7%$111
Multi policy10%$163
Paperless/electornic documents5%$87
Payment type9%$157
Primary use14%$237
Profession10%$152
Safety devices3%$50
Telematics13%$178
Years insured24%$901
Years licensed26%$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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.