We reviewed all of the top auto insurance companies in Alabama and found that American Family has the best rates for a minimum coverage policy ($276 per year), while State Farm has the best rates for most drivers looking for full coverage ($1,233).
To get your lowest rates, you should always compare quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your city.
Cheapest auto insurance in North Dakota: American Family
The cheapest minimum coverage car insurance quote in North Dakota is offered by American Family, which is 46% cheaper than the state average.
State Farm and Progressive are two alternatives from whom drivers in North Dakota can also obtain inexpensive quotes. These three auto insurers have average car insurance rates of $351 per year, or $29 per month — which is 32% cheaper than the North Dakota average.
Although minimum coverage costs less usually, drivers who purchase lower liability coverage limits and forgoing comprehensive and collision coverage risk having insufficient protection following an accident.
Find Cheap Auto Insurance Quotes in North Dakota
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 as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault.
We always recommend drivers compare at least three quotes from insurers.
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 Geico and American Family have rates that are lower than the state average, they are significantly more expensive than State Farm.
|North Dakota average||$2,286||$190|
A full coverage insurance policy includes comprehensive and collision coverages, which financially protects you from the cost of certain accidents.
Drivers with collision coverage receive reimbursement for 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 have:
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 $1,422, which is 54% cheaper than the North Dakota average of $3,077. Grinnell Mutual offers rates that are below the state average but more than double State Farm's annual costs.
|North Dakota average||$3,077||$256|
Having a single accident on your driving record can increase your auto insurance quotes substantially.
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 $791.
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 $1,328 per year. Another alternative you can gather a quote from is Geico, which has an average premium of $2,082.
|North Dakota average||$2,473||$206|
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 51%. Our research found that if you have been charged with a DUI, you can find the most affordable rates from State Farm — rates are approximately $2,121 cheaper than the state average.
|North Dakota average||$3,449||$287|
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 32% more expensive insurance rates than those with average credit. State Farm had the best rates for drivers with poor credit, at $1,874 per year.
|North Dakota average||$3,024||$252|
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 $79 less on average for a full coverage auto insurance policy. The insurers with the cheapest rates for married drivers are State Farm, Geico and American Family.
|North Dakota average||$2,207||$184|
Cheapest car insurance for young drivers: State Farm
The average cost of cheap car insurance for young drivers in North Dakota is $1,542 per year, or $129 per month — which is about $1,030 more expensive than it is for older drivers.
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. Our sample 18-year-old driver spent an average of $5,885 per year on a full coverage policy — nearly three times as much as our sample 30-year-old driver.
The cheapest rates for young drivers can be received from State Farm, which has an annual rate significantly below the state average for their age group.
|North Dakota average||$5,885||$1,542|
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: State Farm
Accidents can drive your annual premiums up, but it can have a greater impact on young drivers, who already face high rates. The most affordable option for young drivers with an accident history is State Farm, which costs $4,216 annually — more than $3,000 cheaper than the state average.
|North Dakota average||$7,282||$607|
Cheapest for young drivers with one speeding ticket: State Farm
Speeding tickets have a similar effect as accidents — they increase your premium rates. For young drivers in North Dakota, rates are 24% higher if you have a speeding ticket versus if you've never received one. Young drivers who have been caught speeding can find the most affordable rates from State Farm.
|North Dakota average||$6,241||$520|
Best car insurance companies in North Dakota
Auto-Owners is the best insurance company in North Dakota based on the company's customer service rating.
Approximately 67% of Auto-Owner customers rated the service as "excellent," and 100% said they were extremely satisfied with their recent claim.
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.
% of respondents overall extremely satisfied with most recent claim
% of respondents who rated customer service as "excellent"
|3||American Family (AmFam)||86%||50%|
ValuePenguin also compiled complaint data from the National Association of Insurance Commissioners (NAIC).
Great West Casualty, North Star Mutual and ACUITY A Mutual had the lowest complaint index ratings out of fifteen insurers in North Dakota. All three companies had a complaint index less than 1.0, meaning that they received fewer complaints than expected of their market share. The lower the ratio, the fewer complaints a company received relative to its share of premiums underwritten, meaning that customers were less likely to complain.
2019 NAIC Complaint Index
2020 J.D. Power Claims Satisfaction
A.M. Best Financial Strength Rating
|Great West Casualty||0.00||—||A+|
|National Farmers Union||0.39||815||A-|
Based on the 2020 J.D. Powers Claims Satisfaction Study, Auto-Owners, State Farm and Allstate have the best customer service. Additionally, their customer satisfaction ratings are slightly above the industry average of 872 (based on a 1,000 point scale).
Average cost of car insurance in North Dakota by city
The average cost of full coverage car insurance in North Dakota is $2,286 per year, or $191 per month.
Fargo is the city with the cheapest rates for a full coverage policy in North Dakota, as our sample driver paid an average annual rate of $1,861. On the other hand, Fort Yates residents will receive an average premium of $2,552 — a $691 difference.
The rate North Dakota residents 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. The North Dakota cities below are ranked from those with the cheapest auto insurance rates to those with the most expensive rates per year.
Percent from average
North Dakota rate changes by company
In North Dakota, auto insurance providers decreased their premiums by 2.4% in 2020, continuing the trend of lower premium rates observed in the past year. State Farm shows the most significant decrease in premiums, with rates down by 7.5% compared to 2019, followed byProgressive, with a 4.6% rate decrease in 2020.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
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 residents 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 any damage caused to your automobile.
Recap of the cheapest auto insurance in North Dakota
- Minimum coverage: American Family
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with a speeding ticket: State Farm
We collected thousands of rates from ZIP codes across North Dakota for the largest 10 insurers. 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:
|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 alternated 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.