Cheapest Car Insurance North Dakota

The Cheapest Car Insurance in North Dakota Costs $15/Mo ($185/Yr) for Liability Insurance and $64/Mo ($762/Yr) for Full Coverage Insurance from USAA.

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Updated: Jun 28, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

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Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

We at the MarketWatch Guides team have reviewed the cheapest car insurance options in North Dakota. We also considered the best car insurance companies in North Dakota and ranked our top five picks. Learn more about average costs for different types of drivers in the Peace Garden State and minimum coverage requirements in the state below.

Cheapest Car Insurance in North Dakota

Because rates are significantly cheaper in North Dakota than the national average, you stand a good chance of finding great car insurance coverage in North Dakota at excellent rates. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, starting with the most affordable providers.

Cheapest Insurance Companies in North Dakota

The cheapest car insurance companies in North Dakota are State Farm, Progressive, USAA, North Star Mutual Insurance Company and American Family Insurance. Below are the overall cost ratings for these providers.

North Dakota Car Insurance Companies	Overall Rating	Cost Rating	Learn More
State Farm Learn More	9.3	9.2	Learn More
Progressive Learn More	8.7	8.7	Learn More
USAA Learn More	9.2	9.8	Learn More
North Star Mutual	8.6	8.5

North Dakota Car Insurance Companies	Overall Rating	Cost Rating	Learn More
State Farm Learn More	9.3	9.2	Learn More
Progressive Learn More	8.7	8.7	Learn More
USAA Learn More	9.2	9.8	Learn More
North Star Mutual	8.6	8.5

*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in North Dakota.

Car insurance companies have different calculation methods for insurance premiums. This means that no two car insurance quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in North Dakota.

Cheapest Car Insurance Coverage in North Dakota

The coverage level you choose will have a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While you only have to purchase the state minimum, it’s a good idea to explore all of your options, including a look into full coverage car insurance.

Below are the cheapest auto insurance options in North Dakota for both coverage types.

Cheapest Liability Car Insurance in North Dakota

At $15 per month or $185 per year, USAA provides the cheapest liability car insurance in North Dakota. North Star Mutual Insurance Company and Auto-Owners Insurance are also strong options for drivers.

Cheapest Minimum Liability Insurance in North Dakota	Estimated Monthly Rate	Estimated Annual Rate
USAA	$15	$185
North Star Mutual Insurance Company	$22	$267
Auto-Owners Insurance	$23	$276
State Farm	$23	$276
Nodak Insurance Company	$28	$332
Grinnell Mutual	$33	$391
Progressive	$33	$393
American Family Insurance	$36	$430
Allstate	$47	$564
Farmers	$55	$654

*All drivers in North Dakota are required to have minimum liability coverage, which is the cheapest car insurance coverage level.

Cheapest Full Coverage Car Insurance In North Dakota

USAA offers the cheapest full coverage car insurance in North Dakota, costing an average of $64 per month or $762 per year. North Dakota motorists can also find affordable coverage from State Farm and American Family Insurance.

Cheapest Full Coverage Car Insurance in North Dakota	Estimated Monthly Rate	Estimated Annual Rate
USAA	$64	$762
State Farm	$92	$1,109
American Family Insurance	$96	$1,156
Progressive	$104	$1,243
Auto-Owners Insurance	$108	$1,292
North Star Mutual Insurance Company	$113	$1,361
Nodak Insurance Company	$130	$1,555
Farmers	$132	$1,583
Allstate	$149	$1,784
Grinnell Mutual	$151	$1,815

*These rates are based on a 35-year-old driver with good credit and a clean driving record. Your rates will vary depending on a number of factors.

Cheap Car Insurance North Dakota

The cost of car insurance in North Dakota varies based on a person’s age, driving history and credit scores. Below, we compare cheap car insurance estimates for North Dakota drivers in these categories.

Cheapest Car Insurance for Young Drivers in North Dakota

Young drivers in North Dakota pay substantially more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in North Dakota, along with estimated monthly and annual costs.

Cheap Car Insurance in North Dakota for 16-Year-Olds

It can be tough to find cheap car insurance in North Dakota when you recently got your first driver’s license. North Star Mutual Insurance Company offers the cheapest full coverage policies, with an average rate of $2,515 per year.

Cheapest Car Insurance in North Dakota for 16-Year-Olds	Estimated Monthly Rate	Estimated Annual Rate
North Star Mutual Insurance Company	$210	$2,515
Auto-Owners Insurance	$252	$3,026
American Family Insurance	$260	$3,122
State Farm	$261	$3,133
Grinnell Mutual	$352	$4,228

Cheap Car Insurance in North Dakota for 17-Year-Olds

Prices come down slightly for 17-year-old drivers, though the cheapest option overall remains the same: North Star Mutual Insurance Company with an average rate of $2,515 per year.

Cheapest Car Insurance in North Dakota for 17-Year-Olds	Estimated Monthly Rate	Estimated Annual Rate
North Star Mutual Insurance Company	$210	$2,515
Nodak Insurance Company	$219	$2,629
American Family Insurance	$226	$2,713
State Farm	$232	$2,781
Auto-Owners Insurance	$235	$2,822

Cheap Car Insurance in North Dakota for 18-Year-Olds

USAA has the cheapest average rate in North Dakota for 18-year-olds seeking full coverage. Eighteen-year-old drivers pay an average rate of $2,301 per year when they select USAA in the Peace Garden State.

Cheapest Car Insurance in North Dakota for 18-Year-Olds	Estimated Monthly Rate	Estimated Annual Rate
USAA	$192	$2,301
American Family Insurance	$199	$2,387
North Star Mutual Insurance Company	$200	$2,404
State Farm	$206	$2,471
Auto-Owners Insurance	$215	$2,578

Cheap Car Insurance in North Dakota for 21-Year-Olds

Prices are generally much lower for drivers in their 20s than for teen drivers. With an average rate of $1,170 per year, USAA typically offers the cheapest car insurance in North Dakota for 21-year-olds.

Cheapest Car Insurance in North Dakota for 21-Year-Olds	Estimated Monthly Rate	Estimated Annual Rate
USAA	$98	$1,170
State Farm	$145	$1,736
American Family Insurance	$146	$1,755
North Star Mutual Insurance Company	$152	$1,826
Auto-Owners Insurance	$157	$1,879

Cheapest Car Insurance in North Dakota for 25-Year-Olds

Drivers who are 25 years old pay an average rate of $981 per year when they choose USAA for auto insurance in North Dakota. Prices are relatively reasonable across the board once motorists reach their mid-20s, and they generally keep decreasing over time.

Cheapest Car Insurance in North Dakota for 25-Year-Olds	Estimated Monthly Rate	Estimated Annual Rate
USAA	$82	$981
State Farm	$105	$1,263
American Family Insurance	$109	$1,304
North Star Mutual Insurance Company	$113	$1,361
Auto-Owners Insurance	$126	$1,510

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Cheap Auto Insurance in North Dakota for High-Risk Drivers

High-risk drivers who have a speeding ticket, DUI, or recent accident on their record pay more for auto insurance in North Dakota. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheap Auto Insurance in North Dakota for Drivers With a Speeding Ticket

Safe driving habits such as not speeding simplifies finding the cheapest car insurance in North Dakota, but USAA is still affordable at an average rate of $798 per year for those with a ticket.

Cheapest Car Insurance in North Dakota With a Speeding Ticket	Estimated Monthly Rate	Estimated Annual Rate
USAA	$67	$798
State Farm	$96	$1,146
Progressive	$104	$1,245
American Family Insurance	$108	$1,295
Auto-Owners Insurance	$127	$1,522

Cheap Auto Insurance in North Dakota for Drivers With a Recent Accident

An increased car insurance quote is nearly inevitable after a recent car crash in North Dakota. Drivers who are involved in an at-fault accident in the state pay an average of $922 per year for full auto insurance coverage from USAA.

Cheapest Car Insurance in North Dakota With a Recent Accident	Estimated Monthly Rate	Estimated Annual Rate
USAA	$77	$922
State Farm	$102	$1,227
American Family Insurance	$117	$1,400
Auto-Owners Insurance	$126	$1,508
Progressive	$133	$1,590

Cheap Auto Insurance in North Dakota for Drivers With a DUI

You’ll almost certainly be flagged as a high-risk driver if you’re caught driving under the influence (DUI) in a motor vehicle. Because of that, the cheapest car insurance in North Dakota in this case reaches an average of $1,099 per year from Progressive.

Cheapest Car Insurance in North Dakota	Estimated Monthly Rate	Estimated Annual Rate
Progressive	$92	$1,099
State Farm	$96	$1,146
American Family Insurance	$108	$1,295
USAA	$131	$1,571
Grinnell Mutual	$148	$1,771

Cheap Auto Insurance in North Dakota for Drivers With Poor Credit

Having a bad credit score can lead to significantly higher car insurance premiums. North Dakota drivers with poor credit can find some of the lowest rates with USAA, which offers an average rate of $1,143 per year.

Cheapest Car Insurance in North Dakota With Poor Credit	Estimated Monthly Rate	Estimated Annual Rate
USAA	$95	$1,143
American Family Insurance	$131	$1,576
Progressive	$144	$1,725
Geico	$171	$2,053
Farmers	$181	$2,174

Best Cheap North Dakota Car Insurance

For those who would like to know about the cheapest auto insurance in the Peace Garden State, the sections below contain more detailed information:

#1 State Farm: Best Customer Experience

9.4/10

Overview

Drivers in the Peace Garden State can rely on State Farm for inexpensive car insurance and quality coverage. The insurer is known for its network of local agents who offer personalized service, and representatives are available in communities all across North Dakota. State Farm can be a smart choice for young drivers in particular due to its safe driving program and discounts designed for teens and students.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 843/1,000
AM Best financial strength score: A++
BBB rating: A

#2 Progressive: Best for Tech-Savvy Drivers

9/10

Overview

It’s easy to find competitive pricing through Progressive, thanks to the company’s broad range of car insurance discounts. While many providers turn high-risk motorists away with steep rates, Progressive’s prices remain reasonable for North Dakota drivers with a speeding ticket, DUI or an at-fault accident on their record.

Progressive currently holds an F rating from the BBB, however, which could be troubling for some drivers. We reached out to Progressive for a comment on its rating but received no response.

Keep reading: Progressive insurance review

Industry Standing

J.D. Power regional rating: 820/1,000
AM Best financial strength score: A+
Better Business Bureau (BBB) rating: B

#3 USAA: Best for Military Members

8.5/10

Overview

USAA’s low rates and top-ranked customer service in the region make it a compelling choice for car insurance in North Dakota. However, only military members, veterans and their families can purchase an auto insurance policy from USAA. If you’re eligible, USAA ranks as a top option for affordable coverage.

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 879/1,000
AM Best financial strength score: A++
BBB rating: A+

#4 North Star Mutual Insurance Company: Strong Local Option

8.9/10

Overview

While it’s a relatively small provider, North Star Mutual Insurance Company offers standout car insurance in North Dakota that’s backed by strong financial strength. Drivers often mention the caring service they receive from North Star Mutual, which is based in the small town of Cottonwood, Minn.

Industry Standing

J.D. Power regional rating: Unranked
AM Best financial strength score: A+
BBB rating: A+

#5 American Family Insurance: Low Prices in North Dakota

8.5/10

Overview

Drivers can find some of the cheapest car insurance in North Dakota from American Family. It typically offers some of the most competitive rates in the state for young drivers, high-risk drivers and those with poor credit in particular. The company is financially strong as well, according to its high AM Best rating, and can be a reliable coverage option.

Industry Standing

J.D. Power regional rating: 848/1,000
AM Best financial strength score: A
BBB rating: A

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Age	Estimated Monthly Rate	Estimated Annual Rate
16	$483	$5,796
17	$346	$4,150
18	$311	$3,735
19	$221	$2,653
21	$171	$2,054
25	$129	$1,546
30	$119	$1,429
40	$114	$1,371
50	$102	$1,229
55	$100	$1,195
65	$99	$1,191
75	$114	$1,363

North Dakota Car Insurance Cost by City

Drivers in the western half of North Dakota often get charged the state’s highest car insurance rates. Unlike in many states, some of the cheapest car insurance in North Dakota can be found in larger cities such as Fargo, Bismarck and Grand Forks.

City in North Dakota	Estimated Monthly Rate	Estimated Annual Rate
West Fargo	$89	$1,070
Fargo	$89	$1,072
Horace	$95	$1,138
Casselton	$99	$1,184
Jamestown	$101	$1,216
Wahpeton	$102	$1,230
Grand Forks	$104	$1,244
Grand Forks AFB	$106	$1,276
Lisbon	$107	$1,287
Valley City	$108	$1,292
Bismarck	$114	$1,367
Dickinson	$115	$1,384
Mandan	$118	$1,411
Minot AFB	$119	$1,429
Williston	$125	$1,499
Devils Lake	$125	$1,505
Minot	$126	$1,512
Grafton	$128	$1,541
Belcourt	$132	$1,587
Rugby	$135	$1,625
Beulah	$136	$1,626
Hazen	$136	$1,628
Stanley	$139	$1,670
Watford City	$140	$1,678
New Town	$142	$1,710

*Average rates above apply to the top three companies in each city.

Factors That Affect North Dakota Car Insurance Costs

Car insurance companies consider multiple factors when determining costs for auto policies.

The details that affect rates for car insurance in North Dakota are listed below.

Location: Those in fast-growing regions of the Peace Garden State tend to pay more for car insurance.
Age: Young drivers and teen drivers will almost always get charged higher prices for similar auto insurance policies.
Driving record: It’s tougher for drivers with speeding tickets, at-fault accidents or DUI violations in their driving history to find the cheapest car insurance in North Dakota.
Credit history: Drivers with bad credit scores face significantly higher rates for auto insurance in most states.
Gender: Men typically get charged more than women for car insurance, especially when they’re younger.
Marital status: Single motorists usually pay more than married drivers for the same auto insurance plans.
Vehicle: The make, model, age and mileage of your car play a large role in determining your insurance prices.
Deductible: A higher deductible will lead to lower monthly car insurance premiums, but you’ll pay more out of pocket in the event of an accident.

North Dakota Car Insurance Requirements

North Dakota state law requires that all motorists follow the minimum coverage limits outlined below:

Bodily injury liability insurance: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000 per accident
Personal injury protection (PIP): $30,000 per person
Uninsured motorist coverage/underinsured motorist coverage: $25,000 per person and $50,000 per accident

PIP is a required component of all North Dakota auto insurance policies. It will take care of certain medical expenses in the event of an accident, regardless of who is at fault.

Since North Dakota follows no-fault car insurance laws, your provider will cover personal medical bills regardless of who causes an accident. While no-fault states typically have higher average rates, that’s not true of car insurance in North Dakota.

Additional North Dakota Car Insurance Coverage Types

You don’t need to carry coverage in North Dakota beyond what’s listed above, but many drivers add extra protection. Below are some common coverage types worth considering.

Collision insurance: Liability insurance only covers damages to other vehicles, so collision coverage is necessary if you’d like protection for your own car.
Comprehensive coverage: Comprehensive insurance covers damages to your car after instances of theft or vandalism or during severe weather conditions such as flooding, hailstorms or tornadoes.

Is It Illegal Not To Have Car Insurance in North Dakota?

Driving without car insurance in North Dakota is a class B misdemeanor. You’ll receive a fine of at least $150 for first-time offenses and will be required to file an SR-22 after driving without insurance in the Peace Garden State.

How To Get Car Insurance in North Dakota

It’s smart to compare car insurance quotes from multiple auto insurers before making your final decision on coverage. We recommend considering State Farm, Progressive, USAA, North Star Mutual and American Family Insurance as you begin your search.

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Cheap Auto Insurance North Dakota: The Bottom Line

The cheapest car insurance in North Dakota is among the least expensive in the nation, so you shouldn’t end up overpaying for coverage. To lower prices further, you can consider bundling your car coverage with renters or homeowners insurance.

Cheap Car Insurance in North Dakota: FAQ

Below are frequently asked questions about cheap car insurance in North Dakota:

Based on our research, the average cost of full coverage car insurance in North Dakota is $1,366 per year or $114 per month. North Dakota drivers pay 21% less for car insurance than the typical American.

North Dakota drivers are required to hold $25,000 per person and $50,000 per accident in bodily injury liability car insurance and uninsured motorist coverage, along with $30,000 per person in PIP coverage.

North Dakota is a no-fault state for car insurance. This means your insurance provider will cover damages to your vehicle regardless of who causes an accident.

The penalty for driving without the state minimum car insurance in North Dakota is a fine of at least $150 for first-time offenses and a requirement that you file an SR-22.

Yes, $30,000 per person in personal injury protection (PIP) is mandatory in North Dakota. Because it’s a no-fault state, North Dakota drivers must meet this minimum requirement.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: