Best Cheap Auto Insurance Quotes in North Dakota 2025
State Farm has the cheapest full coverage car insurance in North Dakota at $111 per month.
Find Cheap Auto Insurance Quotes in North Dakota
Best cheap car insurance companies in ND
How we chose the top companies
Best and cheapest car insurance in North Dakota
- Cheapest full coverage: State Farm, $111/mo
- Cheapest minimum liability: State Farm, $31/mo
- Cheapest for young drivers: Nodak, $91/mo
- Cheapest after a ticket: State Farm, $118/mo
- Cheapest after an accident: State Farm, $125/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Auto-Owners, $102/mo
- Cheapest after a DUI: Progressive, $158/mo
- Cheapest for poor credit: Geico, $204/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, American Family, Progressive and Geico offer online quotes, so you can quickly compare rates and find the best policy for you. To get a quote from Auto-Owners, you'll need to speak with a local insurance agent.
Cheapest auto insurance in North Dakota: State Farm
State Farm has the most affordable full coverage auto insurance quotes in North Dakota.
Full coverage from State Farm costs $111 per month, which is $47 per month cheaper than the statewide average. The average cost of car insurance in North Dakota is $158 per month for full coverage.
Find Cheap Auto Insurance Quotes in North Dakota
North Dakota drivers with military ties should compare quotes from USAA, where full coverage costs just $97 per month. That's $14 per month cheaper than State Farm.
However, only military members, veterans and some of their family members can get car insurance from USAA.
Cheapest ND car insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| State Farm | $111 |
| Progressive | $130 |
| Geico | $142 |
| Auto-Owners | $152 |
| Nodak | $181 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in North Dakota: State Farm
State Farm has the cheapest minimum coverage insurance in North Dakota, with an average rate of $31 per month.
That's 36% less than the North Dakota average, which is $49 per month.
Progressive and Auto-Owners also have cheap quotes for North Dakota drivers, with rates only a couple dollars more per month. Auto-Owners and State Farm have great customer service, so start with them before Progressive.
Cheapest North Dakota car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $31 |
| Auto-Owners | $33 |
| Progressive | $34 |
| Geico | $38 |
| Nodak | $41 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in North Dakota
Cheapest quotes for teens in North Dakota: Nodak and State Farm
Nodak has the cheapest minimum liability coverage for young drivers in North Dakota.
Minimum coverage from Nodak costs $91 per month for an 18-year-old driver in North Dakota. That's $66 per month cheaper than the statewide average.
North Dakota teens shopping for minimum coverage should also consider State Farm. At $105 per month, a policy from State Farm is $14 per month more than Nodak. State Farm has reliable customer service, which could come in handy if you're in an accident.
State Farm also has the cheapest full coverage quotes for North Dakota teens at $311 per month. That's one-third less than the North Dakota average.
Best auto insurance in North Dakota for teens
Company | Liability only | Full coverage |
|---|---|---|
| Nodak | $91 | $370 |
| Auto-Owners | $102 | $378 |
| State Farm | $105 | $311 |
| Geico | $117 | $391 |
| American Family | $129 | $358 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in North Dakota can expect to pay more than three times as much for car insurance compared to a 30-year-old driver. That's because young drivers lack experience behind the wheel, making them more likely to be involved in an accident.
The best way for teens to get cheap quotes in North Dakota is by sharing a policy with their parents.
Cheap ND auto insurance after a ticket: State Farm
State Farm has the cheapest rate for drivers in North Dakota with a speeding ticket. At $118 per month for full coverage, State Farm is $69 per month less expensive than the North Dakota average.
Company | Monthly rate |
|---|---|
| State Farm | $118 |
| Geico | $142 |
| Auto-Owners | $152 |
| Progressive | $177 |
| Nodak | $206 |
*USAA is only available to current and former military members and their families.
A single speeding ticket will raise your insurance rates by around 18% in North Dakota. That's an average increase of $29 per month for full coverage.
Cheapest car insurance in ND after an accident: State Farm
State Farm offers the cheapest quotes to North Dakota drivers with an accident on their records. Full coverage from State Farm costs $125 per month after an accident, which is 44% less than the average price North Dakota drivers pay after a crash.
Company | Monthly rate |
|---|---|
| State Farm | $125 |
| American Family | $182 |
| Auto-Owners | $184 |
| Progressive | $211 |
| Allstate | $263 |
*USAA is only available to current and former military members and their families.
Drivers in North Dakota can expect their rates to increase by around 42% after an at-fault accident.
But all North Dakota insurance companies raise rates by different amounts after a crash. Full coverage rates from State Farm only go up by 13% after one accident. However, rates from Geico more than double after you cause a crash.
North Dakota drivers shouldn't rush to get a new policy right after an accident.
Your insurance company typically won't raise your rates until your policy renewal. So, you should wait until it's about to expire before switching insurance companies.
Cheapest rates for teens after a ticket or an accident: Auto-Owners and State Farm
Auto-Owners has the most affordable quotes for young drivers with a recent speeding ticket. Minimum coverage from Auto-Owners costs $102 per month after one ticket, which is 44% less than the state average.
State Farm has the cheapest rates for young drivers after an accident. Minimum coverage from State Farm costs $126 per month for an 18-year-old with an at-fault accident on their record. That's 40% less than most teens in North Dakota pay after a crash.
Minimum coverage quotes for ND teens with a ticket or an accident
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $102 | $140 |
| Nodak | $103 | $152 |
| State Farm | $115 | $126 |
| Geico | $117 | $187 |
| American Family | $156 | $129 |
*USAA is only available to current and former military members and their families.
North Dakota auto insurance rates are 17% higher on average for teens with a speeding ticket on their records compared to drivers with clean records. An accident can raise your rates by around 34%.
Cheap auto insurance in North Dakota after a DUI: Progressive
Progressive has the cheapest rates after a DUI in North Dakota. Full coverage from Progressive costs $158 per month after a DUI, which is 42% cheaper than the statewide average. It's also $73 per month less than the second-cheapest company, Auto-Owners.
Company | Monthly rate |
|---|---|
| Progressive | $158 |
| State Farm | $231 |
| American Family | $238 |
| Nodak | $255 |
| Auto-Owners | $257 |
*USAA is only available to current and former military members and their families.
Having a DUI on your driving record will nearly double your car insurance rates for full coverage in North Dakota.
In addition, you may have to get SR-22 insurance after a DUI in North Dakota. An SR-22 filing typically costs between $15 and $50.
Cheapest quotes in ND for drivers with poor credit: Geico
Geico has the best rates for drivers with poor credit at $204 per month for full coverage. That's $101 per month cheaper than the Nebraska average, which is $305 per month.
Company | Monthly rate |
|---|---|
| Geico | $204 |
| Progressive | $217 |
| American Family | $281 |
| Nodak | $289 |
| Allstate | $296 |
*USAA is only available to current and former military members and their families.
In North Dakota, drivers with poor credit scores pay about twice as much for full coverage insurance as those with good credit.
Insurance companies have found that drivers with bad credit scores are more likely to file a claim in the future. That makes them more expensive to insure.
Best car insurance in North Dakota
USAA is the best auto insurance company in North Dakota based on its outstanding customer service and cheap rates.
However, USAA is only available to military members, veterans and their families.
State Farm is the best choice for North Dakota drivers who can't get USAA insurance. State Farm offers an excellent mix of affordable rates, dependable service and useful coverage options.
Best ND car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ | |
| American Family | 660 | A |
Average cost of car insurance in North Dakota by city
Fargo, the state's largest city, has the cheapest quotes for a full coverage policy in North Dakota at $134 per month.
Drivers in Selfridge, a small town south of Bismarck, have the highest rates at $175 per month.
Full coverage ND car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abercrombie | $147 | -6% |
| Absaraka | $147 | -7% |
| Adams | $156 | 0% |
| Agate | $156 | 0% |
| Alamo | $165 | 5% |
The five most expensive cities in North Dakota are small towns south of Bismarck.
North Dakota auto insurance requirements
Drivers in North Dakota must have a minimum amount of liability coverage, often written as 25/50/25. You must also have uninsured and underinsured motorist coverage, along with personal injury protection (PIP).
- Bodily injury liability $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury : $25,000 per person and $50,000 per accident
- PIP: $30,000 per accident
You'll need to show proof of insurance if you get pulled over in North Dakota. 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 cell phone.
What's the best car insurance coverage for ND drivers?
Most North Dakota drivers should get full coverage insurance to protect them after a major accident.
A full coverage insurance policy in North Dakota costs $109 per month more than minimum coverage. That's mostly because it includes comprehensive and collision coverage.
- Collision coverage pays for damage to your car from hitting another vehicle or structure, like a building. With collision coverage, insurance will pay to fix your car even if the crash was your fault.
- Comprehensive coverage protects your car against damage caused by things outside of your control, like theft and extreme weather.
Full coverage typically also includes higher liability limits than the state requires. That can be helpful if you cause a serious accident with major damage or injuries.
Full coverage is usually required if you have a car loan or lease. You should also consider full coverage insurance if your car is newer than eight years old or worth more than $5,000.
Minimum coverage auto insurance policies meet North Dakota's minimum legal requirements.
But, unlike full coverage, minimum coverage doesn't include comprehensive and collision insurance. These coverages protect your car from damage after a crash, theft, vandalism or natural disaster — regardless of who's at fault.
Although minimum coverage costs less, drivers who get lower liability limits and skip comprehensive and collision coverage risk having to pay for an accident themselves.
Frequently asked questions
What is the cheapest car insurance in North Dakota?
State Farm has the cheapest full coverage car insurance in ND at $111 per month. It also has the cheapest minimum liability coverage, at $31 per month.
How much is car insurance in North Dakota?
The average cost of car insurance in North Dakota is $158 per month for full coverage and $49 per month for minimum coverage.
What is the cheapest full coverage insurance in North Dakota?
The cheapest full coverage insurance comes from State Farm, which costs $111 per month. That's 30% cheaper than the North Dakota average.
How much is car insurance in Bismarck, ND?
Full coverage auto insurance in Bismarck costs $149 per month, on average. That's 5% cheaper than the North Dakota average. In comparison, full coverage car insurance quotes in Fargo, ND, average $134 per month.
Methodology
To find the best cheap car insurance in ND, ValuePenguin collected thousands of rates from ZIP codes across North Dakota from the largest insurance companies in the state. Quotes are for a 30-year-old man driving a 2015 Honda Civic EX with good credit.
Rates are for a full coverage policy with comprehensive and collision coverage along with higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $30,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
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.