Who Has the Cheapest Auto Insurance Quotes in North Dakota?

The average cost of a minimum coverage car insurance policy in North Dakota is $528 per year, or $44 per month.

Cheapest car insurance companies in North Dakota

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

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:

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

Cheapest full-coverage auto insurance in North Dakota

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

These three carriers were the most affordable in North Dakota for full coverage, 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:

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 annual rates 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.

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:

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.

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.

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:

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.

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

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

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

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

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

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

Average cost of car insurance in North Dakota

The cheapest cities in North Dakota for full coverage are:

The most expensive North Dakota cities for full coverage are:

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.

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:

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.