Best Cheap Auto Insurance Quotes in North Dakota 2022
Best Cheap Auto Insurance Quotes in North Dakota 2022
State Farm has the best car insurance quotes in North Dakota for a minimum coverage policy ($313 per year) and for full coverage ($1,053 per year).
Best cheap car insurance companies in North Dakota
To help drivers choose the best cheap car insurance in North Dakota, our editorial team analyzed rates from top car insurance companies across each ZIP code in the state. Minimum coverage quotes meet the North Dakota state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident, plus $25,000 in property damage coverage and $30,000 in personal injury protection (PIP) coverage. Quotes for full-coverage insurance include comprehensive and collision protection along with higher liability limits than state minimums.
In addition we rated the best car insurance companies in North Dakota based on the cost of coverage for different drivers, coverage availability, customer service ratings and convenience.
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.
Find Cheap Auto Insurance Quotes in North Dakota
American Family and Auto-Owners also have cheap quotes for North Dakota drivers. These companies have average car insurance rates of $340 per year, or $28 per month — which is 19% cheaper than the North Dakota average.
Company | Monthly rate | |
|---|---|---|
| American Family | $23 |
| State Farm | $25 |
| Progressive | $39 |
| Grinnell Mutual | $45 |
| Geico | $58 |
*USAA is excluded from rankings because it 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 skip comprehensive and collision coverage risk not having enough to pay for 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 quotes in North Dakota: State Farm
State Farm offers the most affordable auto insurance quotes 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 | Monthly rate |
|---|---|
| State Farm | $88 |
| Progressive | $127 |
| Auto-Owners | $152 |
| American Family | $153 |
| Geico | $157 |
*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. It's also required if your car is loaned or leased.
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 North Dakota 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 car insurance quotes with a 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 | Monthly rate |
|---|---|
| State Farm | $94 |
| Progressive | $151 |
| Auto-Owners | $152 |
| Geico | $157 |
| Grinnell | $160 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for drivers after 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 | Monthly rate |
|---|---|
| State Farm | $100 |
| Grinnell | $160 |
| Auto-Owners | $182 |
| Progressive | $184 |
| American Family | $233 |
*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 drivers with a DUI: State Farm
Having a DUI on your driving record can increase your annual rates by an average of 72%. 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 | Monthly rate |
|---|---|
| Progressive | $137 |
| Grinnell | $160 |
| State Farm | $221 |
| Auto-Owners | $251 |
| American Family | $282 |
*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 | Monthly rate |
|---|---|
| State Farm | $160 |
| Geico | $174 |
| Progressive | $196 |
| American Family | $238 |
| Grinnell | $244 |
*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 quotes compared to unmarried drivers. 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 | Monthly rate |
|---|---|
| State Farm | $88 |
| Progressive | $99 |
| Geico | $148 |
| Auto-Owners | $152 |
| American Family | $153 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers in North Dakota: 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 | $87 | $449 |
| Grinnell | $88 | $363 |
| State Farm | $89 | $248 |
| Nodak | $90 | $454 |
| Auto-Owners | $97 | $375 |
*USAA is only available to current and former military members and their families.
Cheapest quotes 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 quotes from Grinnell.
Company | Monthly rate |
|---|---|
| Grinnell | $88 |
| American Family | $95 |
| Auto-Owners | $97 |
| Nodak | $99 |
| State Farm | $99 |
*USAA is only available to current and former military members and their families.
Cheapest for teen drivers after an accident: State Farm
The most affordable car insurance 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 quotes.
Company | Monthly rate |
|---|---|
| Grinnell | $88 |
| State Farm | $108 |
| Nodak | $130 |
| Auto-Owners | $133 |
| American Family | $136 |
*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.
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 slow claims 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 |
Average cost of car insurance in North Dakota by city
Fargo has the cheapest quotes for a full coverage policy in North Dakota, with an average annual rate of $1,404. Fort Yates drivers see average premiums of $1,896 — a $492 difference.
The rate North Dakota drivers pay for an insurance policy will vary depending on their location. Usually, cities that are denser or have higher rates of accidents or theft will have higher coverage costs.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abercrombie | $130 | -9% |
| Absaraka | $133 | -7% |
| Adams | $146 | 2% |
| Agate | $145 | 2% |
| Alamo | $153 | 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.
ND required car insurance coverage | ND required minimum limits |
|---|---|
| $25,000 per person / $50,000 per accident | |
| $25,000 per accident | |
|
Uninsured/underinsured motorist bodily injury (UM/UIMBI) | $25,000 per person / $50,000 per accident |
| $30,000 per accident |
You will be required to show proof of insurance if you get pulled over in the Peace Garden State. The most common form of proof is your insurance ID card, but if you forget to put it in your glove compartment, North Dakota law allows you to show electronic proof of insurance on your smartphone.
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
Frequently asked questions
What is the average cost of car insurance in North Dakota?
Minimum-coverage car insurance costs $35 per month, or $422 per year, in North Dakota, on average. A full-coverage policy costs $143 per month, or $1,715 per year.
How much is car insurance in North Dakota after a speeding ticket?
North Dakota drivers with a speeding ticket on their record can expect to pay $155 per month, or $1,865 per year, for a full-coverage policy. That's 9% more than a driver with a clean record. State Farm has the cheapest rates after a speeding ticket — a full-coverage policy costs $94 per month, which is a 7% increase.
How much does car insurance cost in Fargo, North Dakota?
Drivers in Fargo pay $1,404 per year for a full-coverage policy, the cheapest rate in North Dakota and 14% below the state average.
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.