Compare Car Insurance Rates in North Dakota

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Cheap Car Insurance in North Dakota: Rates and Coverage

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  • USAA has the cheapest minimum-coverage car insurance in North Dakota, with average rates starting at $16 per month or $196 annually.
  • The cheapest full-coverage car insurance in North Dakota also typically comes from USAA for $53 each month or $635 per year.
  • The average rates for auto insurance in North Dakota are $36 per month for minimum coverage and $111 per month for full coverage.

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We found the cheapest car insurance in North Dakota from USAA, with minimum-coverage rates averaging $16 per month. You’ll also find some of the Peace Garden State’s most competitive rates from North Star Mutual, Progressive, and Auto-Owners.

We searched through hundreds of lines of cost data along with coverage choices, reputations, and customer reviews to determine which companies offer North Dakota’s top car insurance. While State Farm came in as the state’s best car insurance provider, it’s smart to get quotes from multiple companies to find your lowest rates.

Best Car Insurance Rates in North Dakota

The cheapest auto insurance premiums for North Dakota drivers tend to come from USAA, North Star Mutual, Progressive, and Auto-Owners. Because costs vary by location and driver profile, you may find that your best rates come from another car insurance company.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different types of coverage, varying driver profiles, and some of the most populated cities in North Dakota. We used this data to determine the cheapest coverage from quality insurance providers, which you’ll find listed in tables throughout this article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 40-year-old driver with a clean driving record and good credit history.
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North Dakota Car Insurance Rates at a Glance

While you’ll find detailed cost estimates throughout this article, we’ve listed out the cheapest car insurance companies in North Dakota for a few driver profiles below:

  • Cheapest full coverage: USAA followed by Progressive
  • Cheapest minimum coverage: USAA followed by North Star Mutual
  • Cheapest for teen drivers: American Family followed by GEICO
  • Cheapest for drivers with a traffic violation: State Farm followed by USAA

Cheapest Car Insurance Companies in North Dakota

Below are the providers that offer the best car insurance in North Dakota by mixing competitive rates with exceptional customer service and coverage plans. While USAA has the state’s most affordable rates, we ranked State Farm as the top overall choice for North Dakota motorists.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.6$35$10812
American Family4.4$39$8318

Cheapest Car Insurance Coverage in North Dakota

The cheapest auto coverage for North Dakota drivers is a liability insurance policy that meets state minimum requirements. However, most insurance experts recommend getting a full-coverage policy that includes injury and property coverage for you and your car.

While full coverage is pricier, it offers better financial protection. If you leased your car or have an active loan on it, your leaseholder or lender may require a full-coverage policy.

Cheapest Minimum-Liability Car Insurance in North Dakota

The average rate estimate for minimum-coverage car insurance in North Dakota is $36 per month or $428 per year. USAA provides the state’s cheapest average rate estimates, with eligible drivers typically paying around $16 per month or $196 annually.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
North Star Mutual$23$276
State Farm$35$418
Nodak Insurance$43$516
Grinnell Mutual$49$592
American Family$39$472

Cheapest Full-Coverage Car Insurance in North Dakota

In North Dakota, the average rate for full-coverage auto insurance is $111 monthly or $1,326 per year. The lowest rates across the state tend to come from USAA for $53 per month or $635 each year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$108$1,292
American Family$83$993
North Star Mutual$154$1,846
Nodak Insurance$124$1,482
Grinnell Mutual$180$2,162

North Dakota Car Insurance Quotes by Driver Profile

Expect your rates to look slightly different than the numbers listed above. That’s largely due to the varying factors used by auto insurance companies as they set drivers’ premiums. Your age, driving record, and location will almost certainly play a role in the rates you end up paying.

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

Cheapest Car Insurance in North Dakota: Age

Age is a major factor in the cost you’ll pay for car insurance in North Dakota. Young drivers and teen drivers in particular typically pay far higher rates for auto coverage than other age groups. In the table below, you’ll find the average monthly rate estimates for North Dakota drivers of various ages.

Driver AgeAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in North Dakota: High-Risk Drivers

Expect your driving history to be a key component in your auto insurance prices. North Dakota motorists with clean driving records typically receive cheaper rates for auto coverage while those with at-fault accidents, speeding tickets, and DUIs get penalized.

How much these red flags on your driving record impact your car insurance premiums varies by provider. Below are the average rates paid by good drivers with clean records versus costs for those labeled as high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$27$27
Grinnell Mutual$37$37
Nodak Insurance$29$39
American Family$38$43
North Star Mutual$23$46
*Data was pulled from 2022 information.

Car Insurance Rates in North Dakota: Speeding Ticket

Getting a single speeding ticket can cause your monthly rates to increase significantly. USAA, which has an average rate of $63 per month or $753 per year, tends to offer the cheapest minimum-coverage car insurance in North Dakota. Progressive and American Family are also competitive options for drivers who’ve been caught going over the speed limit.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$106$1,273
Nodak Insurance$147$1,760
North Star Mutual$179$2,142
Grinnell Mutual$180$2,162
American Family$104$1,249

Car Insurance Rates in North Dakota: At-Fault Accident

North Dakota drivers will probably see higher rates if they’re found at fault for a car accident. USAA generally has the cheapest minimum coverage in North Dakota after you cause an accident with average rate estimates of $76 per month or $910 per year. Other companies with relatively cheap coverage for these drivers include American Family and Progressive.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
State Farm$114$1,373
Grinnell Mutual$180$2,162
American Family$83$993
North Star Mutual$274$3,282
Nodak Insurance$147$1,760

Car Insurance Rates in North Dakota: DUI

Premiums for car insurance in North Dakota often skyrocket after a driving under the influence (DUI) violation. Progressive normally offers the lowest rates for those who have a DUI with an average rate of $76 per month or $909 per year. It’s also worth looking into American Family and State Farm after you receive a DUI in North Dakota.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$106$1,273
Grinnell Mutual$180$2,162
Nodak Insurance$193$2,317
American Family$104$1,249
North Star Mutual$483$5,794

Average Cost of Car Insurance in North Dakota

The average cost of car insurance across North Dakota stands at $428 annually for minimum coverage and $1,326 per year for full coverage. This means that prices are almost 44% less than the national average for minimum protection and just over 33% cheaper for full coverage.

Average Car Insurance Cost in North Dakota by City

Your location in North Dakota can have a significant impact on your auto insurance premiums. Risk factors such as population density, crime rates, and weather patterns vary between ZIP codes, leading to differences in average rates. The table below shows the average full-coverage prices for different cities across the state of North Dakota.

Cities in North DakotaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Grand Forks$38$456
West Fargo$38$456
Devils Lake$34$408
*Data was pulled from 2022 information.

North Dakota Minimum Car Insurance Requirements

There are relatively strict minimum coverage requirements written into North Dakota law. Drivers must carry the types of coverage and follow the coverage limits outlined below:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident
  • $25,000 underinsured/uninsured motorist coverage per person
  • $50,000 underinsured/uninsured motorist coverage per accident
  • $30,000 personal injury protection (PIP)

Insurance agents and experts both suggest getting coverage that exceeds what’s required by the North Dakota Insurance Department. Since auto repairs and medical expenses are both getting more expensive, extra coverage could prevent various out-of-pocket bills.

Collision coverage and comprehensive coverage combine to protect your vehicle against instances of theft, vandalism, severe weather, and car accidents. These are extremely helpful for those hoping to minimize surprise bills that could occur because of your car.

Is North Dakota an At-Fault State?

North Dakota is a no-fault state, meaning that drivers will turn to their own auto insurers to cover accident claims regardless of who caused the damages. Drivers in no-fault states must usually purchase PIP to cover bodily injuries, and that’s true of car insurance in North Dakota. While coverage rates are often higher than average in no-fault states, North Dakota is an exception.

Cheap Car Insurance in North Dakota: Conclusion

Through our research, we found that the cheapest car insurance in North Dakota averages $16 each month from USAA. Remember that rates change due to various factors, so Fargo drivers may receive their best rates from a different provider than motorists in Bismarck.

It’s best to at least think about a full-coverage policy, which could offer valuable protection for your vehicle. With rates averaging $53 per month, eligible North Dakota drivers would be wise to consider USAA if they’re looking for greater financial protection and peace of mind.

Best Car Insurance in North Dakota: Recommended Providers

If you compare car insurance quotes from various providers, you’ll likely find a reasonable rate for auto insurance in North Dakota. Make sure to consider coverage from State Farm and the options from USAA if you’re eligible for the company’s services.

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State Farm: 4.6 out of 5.0

As the country’s largest car insurance company, State Farm has plenty of experience in providing quality coverage to drivers. The company has competitive prices across North Dakota for both full- and minimum-coverage policies, and it has one of the state’s lowest rates for those with a traffic violation on their records. While State Farm is a sizable company, its local agents can be found all across North Dakota and make services both readily available and personal.

Keep reading: State Farm insurance review

USAA: 4.5 out of 5.0

USAA is known for its superb insurance coverage and generally has some of the lowest rates on the market. This is true in North Dakota, where it’s the cheapest choice for both minimum- and full-coverage plans. While drivers have plenty of reasons to consider USAA, there’s one catch: policyholders must be military members, veterans, or related to one.

Keep reading: USAA insurance review

Cheapest Auto Insurance in North Dakota: FAQ

You’ll find answers to some of the most frequently asked questions about auto insurance in North Dakota below.

Which company gives the cheapest car insurance?

State Farm typically offers the cheapest car insurance nationwide. In North Dakota, we found that USAA and Progressive offer the lowest minimum-coverage premiums.

How much is car insurance per month in North Dakota?

The average cost of car insurance per month in North Dakota is $36 for minimum coverage and $111 for full coverage. Our team found rate estimates in USAA as low as $16 per month for minimum coverage and $53 for a full-coverage policy.

How to reduce car insurance in North Dakota?

You can reduce the cost of auto insurance in North Dakota by reducing the amount and types of coverage you have, increasing your deductible, and applying car insurance discounts. In the long term, you can decrease premiums by avoiding a poor credit score and by following safe driving practices. Rates may also go down if you bundle a North Dakota auto insurance policy with renters or homeowners insurance.

How much is car insurance on average in North Dakota?

On average, car insurance in North Dakota costs around $428 per year for a minimum-coverage policy. The average cost of a full-coverage car insurance policy for North Dakota drivers is currently around $1,326 per year.

Is it illegal to drive without insurance in North Dakota?

It is illegal to drive without car insurance in North Dakota. You can be charged with a misdemeanor criminal offense for driving without insurance or proper registration, and it’s possible that you could be penalized through fines, loss of driving privileges, and jail time.

Is it cheaper to pay car insurance every six months or monthly?

It’s often cheaper to pay for car insurance every six months than it is to pay monthly. This is because many providers offer a discount for covering your policy upfront rather than over monthly payments. Not every provider offers pay-in-full discounts, however.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.