Who Has the Cheapest Auto Insurance Quotes in North Dakota?

Who Has the Cheapest Auto Insurance Quotes in North Dakota?

Find Cheap Auto Insurance Quotes in North Dakota

Currently insured?
{"buttonText":"ND Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--346","isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":false,"style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in North Dakota","trackingKey":"_best-cheap-car-insurance-north-dako","trustMessage":"It's free, simple and secure.","vendor":"vp"}

The average cost of a minimum coverage car insurance policy in North Dakota is $528 per year, or $44 per month, but quotes can vary dramatically depending on the insurer and coverages selected.


Cheapest for minimum liability

Grinnell logo
Read More

Cheapest for full coverage

State Farm logo
Read More

Cheapest for drivers with an accident

State Farm logo
Read More

Best for customer service

Nodak logo
Read More

In fact, the cheapest auto insurance rate in North Dakota can be more than $1,000 less than that of the most expensive provider. That's why car insurance shoppers should always compare multiple quotes before ultimately deciding on a carrier.

Read on to learn more about our study, or enter your ZIP code above to get a quote from the best North Dakota insurance companies.

Cheapest car insurance companies in North Dakota

The cheapest minimum-coverage car insurance quotes in North Dakota are offered by:

  • Grinnell Mutual
  • American Family
  • State Farm
This graph shows the three cheapest auto insurance companies in North Dakota compared to the state average.
This graph shows the three cheapest auto insurance companies in North Dakota compared to the state average.

Find Cheap Auto Insurance Quotes in North Dakota

Currently insured?
{"buttonText":"ND Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--670","isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":false,"style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in North Dakota","trackingKey":"_best-cheap-car-insurance-north-dako","trustMessage":"It's free, simple and secure.","vendor":"vp"}

These three auto insurers have average car insurance rates of $369 per year, or $31 per month — which is 30% cheaper than the North Dakota average.

The auto insurance companies with the most expensive quotes in North Dakota were:

  • GEICO
  • Nodak Mutual
  • Progressive

In North Dakota, these companies had an average annual quote of $737, or 40% more than the state average.

RankInsurerCar insurance quote
1Grinnell Mutual$330
2American Family$388
3State Farm$391
4Auto-Owners Insurance Co.$555
5GEICO$629
6Nodak Mutual$712
7Progressive$872
NAUSAA$347

Minimum-coverage auto insurance policies meet North Dakota's minimum state 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.

Although minimum coverage costs less usually, purchasing lower liability coverage limits and forgoing comprehensive and collision coverage risks insufficient protection following an accident.

The average difference in cost between full- and minimum-coverage car insurance in North Dakota is $1,451 per year, or $111 per month.

Cheapest full-coverage auto insurance in North Dakota

The cheapest full-coverage auto insurance companies in North Dakota are:

  • State Farm: $1,245
  • Grinnell Mutual: $1,444
  • GEICO: $1,844

These three carriers were the most affordable for full coverage[ in North Dakota, [link on_current="true" url="/auto-insurance-quotes"]offering quotes of $1,524 on average, or 23% less than the state average of $1,979.

The insurance companies with the most expensive auto quotes for full coverage in North Dakota are:

  • Progressive: $2,952
  • Auto-Owners: $2,648
  • Nodak Mutual: $2,365

Comprehensive and collision coverages are included in full coverage car insurance.

Cheapest full-coverage auto insurance in North Dakota with a prior accident

North Dakota drivers with an accident on their driving record may be able to find cheap full-coverage car insurance quotes at State Farm, Grinnell Mutual and GEICO.

These three insurers offer average costs of $1,884 per year, or 30% cheaper than the North Dakota average of $2,705, for full coverage policies with a prior accident history.

RankInsurerQuote before accidentQuote after accidentDifference
1State Farm$1,245$1,436$191
2Grinnell Mutual$1,444$1,444$0
3GEICO$1,884$2,770$886
4American Family$2,036$3,080$1,044
5Nodak Mutual$2,365$3,420$1,055
6Auto-Owners$2,648$3,722$1,074
7Progressive$2,952$4,030$1,078
NAUSAA$1,257$1,738$481
Quotes are for an accident costing $2,000 worth of property damage.

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 $726.

Accident historyAnnual rate
No accidents$1,979
One accident$2,705

Best car insurance companies in North Dakota

Customer service is an important part of evaluating the quality of an insurance policy. The best auto insurance companies in North Dakota for service are:

  • Nodak Mutual
  • Auto-Owners
  • Grinnell Mutual

Of note, the best North Dakota insurers, based on a measure of customer satisfaction known as the complaint ratio, were also frequently the cheapest in our study.

Customers filed fewer complaints with these insurers than others relative to their market share.

RankInsurerComplaint ratio
1Nodak0.00
2Auto-Owners0.23
3Grinnell0.27
4State Farm0.57
5American Family0.69
6GEICO0.92
7Progressive0.99
8USAA1.09

To find the best-rated auto insurance companies in North Dakota, we looked at the complaint ratios for the largest companies in the state, using data from the National Association of Insurance Commissioners (NAIC).

A complaint ratio measures how many complaints each company receives per $1 million of premiums they receive, and is an indication to us of how good a carrier's customer service and satisfaction are.

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.

Minimum auto insurance requirements 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 of
  • 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.

Cheap car insurance in North Dakota by city

The best car insurance rates in North Dakota differ depending on where you live. Typically, however, the cheapest auto insurance companies in North Dakota cities for a full-coverage policy are:

  • State Farm
  • Grinnell Mutual
  • GEICO

Current or former members of the U.S. armed forces and their families may qualify for even lower car insurance rates with USAA, which only provides policies to these customers.

Your actual rates will differ based on factors such as past driving history, your vehicle and the amount of liability coverage you need.

Here is a list of cheap car insurance companies in North Dakota's largest cities with their annual quotes for a full-coverage policy.

CityInsurerCar insurance quote
BeachState Farm$1,342
Grinell Mutual$1,565
GEICO$1,901
BeulahState Farm$1,342
Grinell Mutual$1,558
GEICO$1,901
BismarckState Farm$1,140
Grinell Mutual$1,325
GEICO$1,741
BottineauState Farm$1,342
Grinell Mutual$1,480
GEICO$1,901
BowmanState Farm$1,342
Grinell Mutual$1,582
GEICO$1,901
BurlingtonState Farm$1,283
Grinell Mutual$1,406
GEICO$1,755
CandoState Farm$1,342
Grinell Mutual$1,449
GEICO$1,901
CarringtonState Farm$1,342
Grinell Mutual$1,445
GEICO$1,901
CasseltonState Farm$1,070
Grinell Mutual$1,216
American Family$1,416
CavalierState Farm$1,342
Grinell Mutual$1,379
GEICO$1,901
CrosbyState Farm$1,342
Grinell Mutual$1,578
GEICO$1,901
Devils LakeState Farm$1,342
Grinell Mutual$1,401
GEICO$1,901
DickinsonState Farm$1,056
Grinell Mutual$1,543
GEICO$1,591
EllendaleState Farm$1,070
Grinell Mutual$1,428
American Family$1,866
FargoState Farm$1,083
Grinell Mutual$1,103
American Family$1,518
GarrisonState Farm$1,342
Grinell Mutual$1,526
GEICO$1,901
GraftonState Farm$1,342
Grinell Mutual$1,434
GEICO$1,901
Grand ForksState Farm$1,041
Grinell Mutual$1,291
GEICO$1,513
HarveyState Farm$1,342
Grinell Mutual$1,526
GEICO$1,901
HazenState Farm$1,342
Grinell Mutual$1,567
GEICO$1,901
HettingerState Farm$1,342
Grinell Mutual$1,559
GEICO$1,901
HillsboroState Farm$1,070
Grinell Mutual$1,348
American Family$1,866
HoraceState Farm$1,083
Grinell Mutual$1,203
American Family$1,416
JamestownState Farm$1,070
Grinell Mutual$1,282
American Family$1,866
KenmareState Farm$1,342
Grinell Mutual$1,608
GEICO$1,901
KilldeerState Farm$1,342
Grinell Mutual$1,633
GEICO$1,901
LangdonState Farm$1,342
Grinell Mutual$1,398
GEICO$1,901
LarimoreState Farm$1,070
Grinell Mutual$1,344
GEICO$1,901
LisbonState Farm$1,070
Grinell Mutual$1,291
American Family$1,866
MandanState Farm$1,342
Grinell Mutual$1,417
GEICO$1,901
MapletonState Farm$1,083
Grinell Mutual$1,206
American Family$1,416
MayvilleState Farm$1,070
Grinell Mutual$1,346
American Family$1,866
MinotState Farm$1,283
Grinell Mutual$1,361
GEICO$1,804
New RockfordState Farm$1,342
Grinell Mutual$1,458
GEICO$1,901
New TownState Farm$1,342
Grinell Mutual$1,635
GEICO$1,901
OakesState Farm$1,070
Grinell Mutual$1,410
American Family$1,866
Park RiverState Farm$1,342
Grinell Mutual$1,426
GEICO$1,901
ParshallState Farm$1,342
Grinell Mutual$1,630
GEICO$1,901
RollaState Farm$1,342
Grinell Mutual$1,506
GEICO$1,901
RugbyState Farm$1,342
Grinell Mutual$1,525
GEICO$1,901
StanleyState Farm$1,083
Grinell Mutual$1,598
GEICO$1,901
SurreyState Farm$1,283
Grinell Mutual$1,406
GEICO$1,755
TiogaState Farm$1,342
Grinell Mutual$1,573
GEICO$1,901
Valley CityState Farm$1,070
Grinell Mutual$1,302
American Family$1,866
VelvaState Farm$1,342
Grinell Mutual$1,445
GEICO$1,901
WahpetonState Farm$1,070
Grinell Mutual$1,371
American Family$1,866
WashburnState Farm$1,342
Grinell Mutual$1,468
GEICO$1,901
Watford CityState Farm$1,342
Grinell Mutual$1,603
GEICO$1,901
West FargoState Farm$1,083
Grinell Mutual$1,129
American Family$1,416
WillistonState Farm$1,342
Grinell Mutual$1,553
GEICO$1,591

We always recommend drivers compare at least three quotes from insurers. To help you find good auto rates in North Dakota, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Fargo, North Dakota

  • Average annual auto insurance quote in Fargo = $1,613
  • 19% cheaper than North Dakota average

A year's worth of full-coverage car insurance in Fargo was nearly a fifth cheaper than the North Dakota average. For cheap auto insurance quotes in Fargo, we recommend State Farm, Grinnell Mutual and American Family, which on average, quoted $1,235 per year, or 23% less than the Fargo mean.

Cheap car insurance in Bismarck, North Dakota

  • Average annual auto insurance quote in Bismarck = $1,864
  • 6% cheaper than North Dakota average

Bismarck's rates were slightly cheaper than the North Dakota average. However, it's still important to compare quotes as the most expensive insurer offered quotes 2.4 times the cost of that of the cheapest.

Cheap car insurance in Grand Forks, North Dakota

  • Average annual auto insurance quote in Grand Forks = $1,773
  • 10% cheaper than North Dakota average

Car insurance costs in Grand Forks were slightly cheaper than the North Dakota state average, though motorists can still benefit from comparing rates from several companies. The most expensive insurer in our analysis, Progressive ($2,717), cost $1,676 more per year than the cheapest carrier, State Farm ($1,041).

Cheap car insurance in Minot, North Dakota

  • Average annual auto insurance quote in Minot = $1,948
  • 2% cheaper than North Dakota average

Choosing a policy from the cheapest auto insurer in Minot, State Farm ($1,283), could save you more than $600 annually relative to the city average.

Cheap car insurance in West Fargo, North Dakota

  • Average annual auto insurance quote in West Fargo = $1,620
  • 18% cheaper than North Dakota average

The three cheapest insurers in West Fargo offered a 25% discount to the city average.

Average cost of car insurance in North Dakota

The average cost of full-coverage car insurance in North Dakota is $1,979 per year, or $165 per month.

The cheapest cities in North Dakota for full coverage are:

  • Fargo
  • West Fargo
  • Horace

The most expensive North Dakota cities for full coverage are:

  • New Town
  • Parshall
  • Kenmare

Where you live is a major factor in determining auto insurance rates. North Dakota cities are ranked from those with the cheapest auto insurance rates to the most expensive per year.

RankCityCar insurance quote
1Fargo$1,613
2West Fargo$1,620
3Horace$1,685
4Casselton$1,692
5Mapleton$1,709
6Grand Forks$1,773
7Wahpeton$1,799
8Jamestown$1,801
9Lisbon$1,812
10Valley City$1,829
11Mayville$1,842
12Bismarck$1,864
13Hillsboro$1,864
14Oakes$1,888
15Larimore$1,902
16Dickinson$1,904
17Ellendale$1,911
18Cavalier$1,945
19Minot$1,948
20Langdon$1,958
21Mandan$1,958
22Devils Lake$1,967
23Park River$1,979
24Cando$1,990
25Grafton$2,005
26New Rockford$2,009
27Carrington$2,012
28Bottineau$2,028
29Burlington$2,031
30Surrey$2,031
31Washburn$2,032
32Rolla$2,040
33Williston$2,054
34Rugby$2,061
35Velva$2,077
36Harvey$2,084
37Beulah$2,086
38Hazen$2,089
39Hettinger$2,089
40Garrison$2,094
41Beach$2,105
42Stanley$2,111
43Tioga$2,112
44Crosby$2,115
45Bowman$2,117
46Killdeer$2,142
47Watford City$2,143
48Kenmare$2,149
49Parshall$2,176
50New Town$2,182

Methodology

We collected auto insurance quotes for North Dakota cities from eight auto insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
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 a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in North Dakota.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.