Best Auto Insurance Rates in North Dakota
Best Auto Insurance Rates in North Dakota
State Farm has the best car insurance rates in North Dakota for a minimum coverage policy ($313 per year) and for full coverage ($1,053 per year).
To get your lowest rates, you should always compare quotes from multiple companies.
The average cost of minimum-coverage car insurance in North Dakota is $422 per year, or $35 per month, for a minimum liability policy.
Cheapest auto insurance in North Dakota: American Family
The cheapest minimum coverage car insurance quote in North Dakota is offered by State Farm, which is 26% cheaper than the state average.
American Family and Auto-Owners are two alternatives from whom drivers in North Dakota can also obtain inexpensive quotes. These three auto insurers have average car insurance rates of $340 per year, or $28 per month — which is 19% cheaper than the North Dakota average.
Find Cheap Auto Insurance Quotes in North Dakota
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $313 | $26 |
| American Family | $327 | $27 |
| Auto-Owners | $379 | $32 |
| Grinnell | $455 | $38 |
| Nodak | $481 | $40 |
| Progressive | $513 | $43 |
| Geico | $628 | $52 |
| USAA | $277 | $23 |
*USAA is only available to current and former military members and their families.
Although minimum coverage costs less usually, drivers who purchase lower liability coverage limits and forgo comprehensive and collision coverage risk having insufficient protection following an accident.
Minimum coverage auto insurance policies meet North Dakota's minimum legal requirements. Unlike full coverage policies, minimum coverage doesn't include comprehensive and collision insurance, which protects your car from damage resulting from a collision, theft, vandalism or natural disaster — regardless of who's at fault.
We always recommend drivers compare auto insurance from multiple companies.
Cheapest full coverage car insurance in North Dakota: State Farm
State Farm offers the most affordable auto insurance premium for drivers purchasing a full coverage policy. Although Progressive and Auto-Owners have lower rates than the state average, they are significantly more expensive than State Farm.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,053 | $88 |
| Progressive | $1,519 | $127 |
| Auto-Owners | $1,821 | $152 |
| American Family | $1,835 | $153 |
| Geico | $1,879 | $157 |
| Grinnell | $1,918 | $160 |
| Nodak | $2,696 | $225 |
| USAA | $1,000 | $83 |
*USAA is only available to current and former military members and their families.
A full coverage insurance policy includes comprehensive and collision coverage, which financially protects you from the cost of certain accidents.
Collision coverage pays for damage to your car in accidents caused by colliding into another vehicle or fixed object. If you have comprehensive coverage, you're covered for damage caused by events outside of your control, such as theft and extreme weather.
Cheap car insurance for drivers with prior incidents
Drivers with a history of accidents or traffic violations usually have higher auto insurance premiums for a full coverage policy than drivers without that history. We calculated which insurers provide the most affordable rates for drivers who get a violation:
Find Cheap Auto Insurance Quotes in North Dakota
Cheapest for drivers with an accident: State Farm
North Dakota drivers with an accident on their driving record can find cheap full coverage car insurance quotes at State Farm and Grinnell Mutual.
Drivers insured under State Farm have an average annual rate of $1,205, which is 48% cheaper than the North Dakota average of $2,330. Grinnell Mutual also offers rates below the state average but well above State Farm's annual costs.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,205 | $100 |
| Grinnell | $1,918 | $160 |
| Auto-Owners | $2,181 | $182 |
| Progressive | $2,208 | $184 |
| American Family | $2,797 | $233 |
| Geico | $3,062 | $255 |
| Nodak | $3,898 | $325 |
| USAA | $1,370 | $114 |
*USAA is only available to current and former military members and their families.
Having a single accident on your driving record can increase your auto insurance quotes substantially, depending on the company.
The annual difference in car insurance quotes in North Dakota for a full coverage policy with no accident history versus a plan with one accident was $615.
Accident history | Annual rate |
|---|---|
| No accidents | $1,715 |
| One accident | $2,330 |
Cheapest car insurance for people with a speeding ticket: State Farm
Receiving a speeding ticket can raise your insurance rate as much as having an accident history. You can find the cheapest rates from State Farm, which costs an average of $1,129 per year. Another alternative to consider is Geico, which has an average premium of $1,815.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,129 | $94 |
| Progressive | $1,815 | $151 |
| Auto-Owners | $1,821 | $152 |
| Geico | $1,879 | $157 |
| Grinnell | $1,918 | $160 |
| American Family | $2,201 | $183 |
| Nodak | $2,958 | $246 |
| USAA | $1,197 | $100 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: State Farm
Having a DUI on your driving record can increase your annual rates by an average of 72%. Our research found that if you have been charged with a DUI, you can find the most affordable rates from Progressive — rates are approximately $1,313 cheaper than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $1,641 | $137 |
| Grinnell | $1,918 | $160 |
| State Farm | $2,658 | $221 |
| Auto-Owners | $3,006 | $251 |
| American Family | $3,388 | $282 |
| Nodak | $3,480 | $290 |
| Geico | $5,134 | $428 |
| USAA | $2,406 | $200 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: State Farm
Insurers use your credit score to assess how "risky" you are. Drivers with poorer credit scores receive 74% more expensive insurance rates than those with average credit. State Farm had the best rates for drivers with poor credit, at $1,922 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,922 | $160 |
| Geico | $2,082 | $174 |
| Progressive | $2,358 | $196 |
| American Family | $2,859 | $238 |
| Grinnell | $2,932 | $244 |
| Auto-Owners | $4,351 | $363 |
| Nodak | $5,716 | $476 |
| USAA | $1,610 | $134 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
Married drivers typically receive slightly lower car insurance premiums compared to unmarried drivers. Our analysis found that married drivers pay $64 less on average for a full coverage auto insurance policy. The insurers with the cheapest rates for married drivers are State Farm, Progressive and Geico.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,053 | $88 |
| Progressive | $1,186 | $99 |
| Geico | $1,773 | $148 |
| Auto-Owners | $1,821 | $152 |
| American Family | $1,835 | $153 |
| Grinnell | $1,918 | $160 |
| Nodak | $2,733 | $228 |
| USAA | $889 | $74 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: State Farm
The average cost of cheap car insurance for 18-year-old drivers in North Dakota is $1,326 per year, or $129 per month — which is $904 more expensive than it is for older drivers.
State Farm has the cheapest rates at $2,973 per year for full coverage, which is well below the state average for teens. American Family offers the cheapest rates for minimum liability policies, at $1,048 per year.
Young drivers are statistically more likely to be involved in an accident, making them risky investments for insurers. As a result, drivers in their teens and 20s often pay more for auto insurance than drivers in their 30s or 40s.
Company | Liability only | Full coverage |
|---|---|---|
| American Family | $1,048 | $5,383 |
| Grinnell | $1,060 | $4,356 |
| State Farm | $1,066 | $2,973 |
| Nodak | $1,078 | $5,447 |
| Auto-Owners | $1,166 | $4,497 |
| Geico | $1,930 | $5,366 |
| Progressive | $2,474 | $6,908 |
| USAA | $785 | $2,640 |
*USAA is only available to current and former military members and their families.
Cheapest for young drivers after a speeding ticket: State Farm
For young drivers in North Dakota, rates are 6% higher if you have a speeding ticket than if you've never received one. Young drivers who have been caught speeding can find the most affordable rates from Grinnell.
Company | Annual rate | Monthly rate |
|---|---|---|
| Grinnell | $1,060 | $88 |
| American Family | $1,134 | $95 |
| Auto-Owners | $1,166 | $97 |
| Nodak | $1,183 | $99 |
| State Farm | $1,184 | $99 |
| Geico | $1,930 | $161 |
| Progressive | $2,577 | $215 |
| USAA | $989 | $82 |
*USAA is only available to current and former military members and their families.
Cheapest for young drivers after an accident: State Farm
The most affordable option for young drivers with an accident history is Grinnell, which costs $1,060 annually or 37% cheaper than the state average. Accidents can drive up your annual premiums, which can have a greater impact on young drivers, who already face high rates.
Company | Annual rate | Monthly rate |
|---|---|---|
| Grinnell | $1,060 | $88 |
| State Farm | $1,301 | $108 |
| Nodak | $1,560 | $130 |
| Auto-Owners | $1,599 | $133 |
| American Family | $1,627 | $136 |
| Geico | $2,393 | $199 |
| Progressive | $2,741 | $228 |
| USAA | $1,147 | $96 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in North Dakota
Auto-Owners is our overall recommendation for car insurance in North Dakota.
We found that Auto-Owners offers the best overall mix of affordable rates, dependable service and useful coverage options to North Dakota drivers.
Customer service is an important part of evaluating the quality of an insurance policy. Poor customer reception could indicate a confusing process, rude and unhelpful agents or lengthy processing.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Auto-Owners | 845 | A++ | |
| Geico | 845 | A++ | |
| American Family | 839 | A | |
| State Farm | 847 | A++ | |
| Progressive | 837 | A+ | |
| USAA | 897 | A++ | |
| Grinnell | NR | NR | A |
| Nodak | NR | NR | A |
*The overall rank takes both claim satisfaction and customer service ratings into account. We explain these ratings in the Methodology section.
Average cost of car insurance in North Dakota by city
Fargo has the cheapest rates for a full coverage policy in North Dakota, with an average annual rate of $1,404. On the other hand, Fort Yates residents will receive an average premium of $1,896 — a $492 difference.
The rate North Dakota drivers pay for an insurance policy will vary depending on the city in which they reside. Usually, cities that are denser or have higher rates of accidents or theft will have higher coverage costs. Here's how much you can expect to pay in your city.
City | Average annual cost | Percent from average |
|---|---|---|
| Abercrombie | $1,560 | -9% |
| Absaraka | $1,598 | -7% |
| Adams | $1,754 | 2% |
| Agate | $1,743 | 2% |
| Alamo | $1,833 | 7% |
Minimum requirements for auto insurance coverage in North Dakota
Drivers in the state of North Dakota are required to carry auto insurance. While there is a minimum amount of required coverage, North Dakota drivers also have the option to purchase additional coverage or higher limits.
Below, we've included the required coverages for North Dakota drivers.
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $25,000 per accident
- Uninsured/Underinsured motorist bodily injury insurance: $25,000 per person and $50,000 per accident
- Personal injury protection (PIP): $30,000 per accident
We recommend North Dakota drivers consider higher liability limits as well as comprehensive and collision coverage. Minimum coverage plans may not be enough to fully cover the cost of damage in an expensive accident or protect against any damage caused to your automobile.
Recap of the cheapest auto insurance in North Dakota
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Progressive
- Married drivers: State Farm
- Young drivers: American Family
- Young drivers after a ticket: Grinnell
- Young drivers after an accident: Grinnell
Methodology
We collected thousands of rates from ZIP codes across North Dakota for eight of the largest insurers in the state. Unless otherwise noted, we used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we quoted a policy with the minimum required limits in North Dakota, above. For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was altered to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.