American Family has the best cheap car insurance in North Dakota, at $292 per year, or $24 per month, for minimum coverage.

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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, the same amount of uninsured motorist coverage, 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

American Family has the cheapest minimum coverage insurance in North Dakota, with an average rate of only $24 per month.

Cheapest car insurance companies in North Dakota

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State Farm and Auto-Owners also have cheap quotes for North Dakota drivers, with rates only a couple dollars more per month.

Cheapest ND car insurance companies

Company
Monthly rate
American Family logo
American Family$24
State Farm logo
State Farm$25
Auto-Owners logo
Auto-Owners$27
Grinnell Mutual logo
Grinnell$34
Geico logo
Geico$38
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USAA is only available to current and former military members and their families.

Although minimum coverage costs less, drivers who purchase lower liability coverage limits and skip comprehensive and collision coverage risk having to pay for an accident themselves.

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 protect 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 quotes 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 in North Dakota. Auto-Owners and Geico have lower rates than the state average, but they are significantly more expensive than State Farm.

Company
Monthly rate
State Farm$75
Auto-Owners$124
Geico$137
American Family$140
Progressive$148
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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 protect you from the cost of certain accidents. Full coverage is also required if your car is loaned or leased.

Collision coverage pays for damage to your car in accidents caused by colliding with 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

State Farm has the cheapest rates in North Dakota for drivers after a speeding ticket, an at-fault accident or a DUI.

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 insurance companies provide the most affordable rates for drivers who get a violation.

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Cheapest car insurance quotes with a ticket: State Farm

State Farm has the cheapest rate for drivers in North Dakota with a speeding ticket, at around $887 per year for full coverage, which is less than half the state average.

Receiving a speeding ticket can raise your insurance rate as much as having an accident on your record.

Company
Monthly rate
State Farm$74
Auto-Owners$124
Geico$137
Grinnell$151
American Family$168
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Cheapest quotes for drivers after an accident: State Farm

State Farm offers the cheapest rate to North Dakota drivers after an at-fault car accident, at $79 per month for full coverage. This is 59% cheaper than the state average rate of $191 per month.

Drivers in North Dakota can expect their rates to increase by around 40% after an at-fault accident.

Company
Monthly rate
State Farm$79
Auto-Owners$149
Grinnell$151
American Family$215
Progressive$218
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Cheapest car insurance for drivers with a DUI: State Farm

State Farm has the cheapest rates after a DUI in North Dakota, with rates averaging $74 per month for full coverage, around 60% cheaper than the state average.

Having a DUI on your driving record can increase your annual rates by an average of 59%.

Company
Monthly rate
State Farm$74
Grinnell$151
Progressive$162
Auto-Owners$206
Farmers$226
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Cheapest car insurance for drivers with poor credit: State Farm

State Farm has the best rate for drivers with poor credit, at $1,950 per year for full coverage. In most states, insurance companies can use your credit score to assess how "risky" you are to insure. In North Dakota, drivers with poor credit scores receive 89% more expensive insurance rates than those with good credit.

Company
Monthly rate
State Farm$162
Geico$177
American Family$238
Farmers$258
Progressive$260
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Cheapest car insurance for young drivers in North Dakota: Grinnell

Grinnell has the cheapest rate for teen drivers in North Dakota, at $78 per month for minimum coverage, making it around 30% cheaper than the state average. For full coverage, State Farm has the cheapest rate.

The average cost of minimum coverage car insurance for 18-year-old drivers in North Dakota is $114 per month — which is $80 more expensive than it is for older drivers.

Young drivers are statistically more likely to be involved in an accident, making them risky to cover. As a result, drivers in their teens and 20s often pay more for auto insurance than drivers in their 30s or 40s. The good news is, if young drivers keep a clean driving record, their rates will get cheaper over time.

Cheapest ND car insurance companies for teens

Company
Minimum coverage
Full coverage
Grinnell$78$342
American Family$79$412
Auto-Owners$82$300
State Farm$84$214
Nodak$87$442
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Cheapest quotes for young drivers after a speeding ticket: Grinnell

Grinnell has the most affordable quotes for young drivers who have been caught speeding. For young drivers in North Dakota, rates are 10% higher on average if you have a speeding ticket compared to drivers with a clean record.

Company
Monthly rate
Grinnell$78
Auto-Owners$82
State Farm$82
American Family$86
Nodak$96
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Cheapest for teen drivers after an accident: Grinnell

Grinnell has the cheapest car insurance for 18-year-old drivers after an at-fault accident, with rates that average $78 per month for minimum coverage, nearly half the state average. Having an accident on your record as a young driver can raise your rates by around 26%, which can have a significant impact on young drivers who already face high quotes.

Company
Monthly rate
Grinnell$78
State Farm$90
Auto-Owners$112
American Family$125
Nodak$126
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Cheapest North Dakota car insurance for married drivers: State Farm

State Farm is the company with the cheapest rates for married drivers in North Dakota. Married drivers in North Dakota typically receive slightly lower car insurance quotes compared to unmarried drivers because they file fewer claims than single drivers on average. Married drivers pay $69 per year less on average for a full coverage auto insurance policy.

Company
Monthly rate per car
State Farm$75
Progressive$115
Auto-Owners$124
Geico$136
American Family$140
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Best car insurance companies in North Dakota

USAA is the top-rated auto insurance company in North Dakota. However, USAA is only available to military members, veterans and their families.

State Farm is our top recommendation for most drivers in the state. It offers an excellent 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.

Best ND car insurance

Company
Editor's rating
J.D. Power
AM Best
USAA
881A++
State Farm
842A++
Auto-Owners
837A++
Geico
835A++
American Family
838A
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Average cost of car insurance in North Dakota by city

West Fargo, a suburb of the state's largest city, has the cheapest quotes for a full coverage policy in North Dakota, with an average monthly rate of $113.

Drivers in Selfridge, a small town on the state's southern border, see the highest average premiums, with an average of $155 per month — around 13% higher than the state average.

The rate North Dakota drivers pay for an insurance policy will vary depending on their location.

City
Average monthly cost
Percentage difference from average
Abercrombie$125-9%
Absaraka$128-7%
Adams$1401%
Agate$1401%
Alamo$1477%
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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 liability coverage, often written as 25/50/25, as well as uninsured motorist coverage and personal injury protection (PIP), North Dakota drivers also have the option to purchase additional coverage or higher limits.

Required car insurance coverage

Required minimum limits

Bodily injury (BI) liability

$25,000 per person/$50,000 per accident

Property damage (PD) liability

$25,000 per accident

Uninsured/underinsured motorist bodily injury (UM/UIMBI)

$25,000 per person/$50,000 per accident

Personal injury protection (PIP)

$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: American Family
  • Full coverage: State Farm
  • After a speeding ticket: State Farm
  • After an at-fault accident: State Farm
  • After a DUI: State Farm
  • Poor credit history: State Farm
  • Young drivers: Grinnell
  • Young drivers after a ticket: Grinnell
  • Young drivers after an accident: Grinnell
  • Married drivers: State Farm

Frequently asked questions

What is the average cost of car insurance in North Dakota?

Minimum coverage car insurance costs $34 per month, or $410 per year, in North Dakota on average. A full coverage policy costs $138 per month, or $1,655 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 $1,858 per year, for a full coverage policy. That's 12% more than a driver with a clean record would pay. State Farm has the cheapest rates after a speeding ticket — a full coverage policy costs $74 per month, which is nearly half the average cost.

How much does car insurance cost in Fargo, North Dakota?

Drivers in Fargo pay $113 per month for a full coverage policy, the cheapest rate in North Dakota and 18% below the state average.

Methodology

We collected thousands of rates from ZIP codes across North Dakota from the largest insurance companies in the state. Unless otherwise noted, quotes are for a driver with the profile of a 30-year-old man driving a 2015 Honda Civic EX, with good credit.

The base policy used is a full coverage policy with the following limits:

Coverage type
Limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$30,000
Property damage liability$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 used the minimum required limits in North Dakota. For other rates (credit score, accident history and marital status), the base policy was altered to reflect the new driver. Quotes for young drivers are for minimum coverage unless otherwise noted.

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.