Find affordable auto insurance that works for you in North Dakota. Compare quotes from over 100 top companies.
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Across the Peace Garden State, there are 175,960 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Below, learn more about which insurance companies offer, on average, the cheapest rates in North Dakota, or enter your ZIP code above to discover personalized quotes based on your driving profile.
Get quotes from dozens of insurers that provide coverage throughout North Dakota. Enter your ZIP code below to get started.
Drivers with clean driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. North Dakota drivers without a recent moving violation can save 18% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$286||18.80%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. North Dakota's teen drivers receive a relative bargain, paying just $4,384 per year on average, roughly $600 less than the national average — but still about three times as much as the average driver in North Dakota.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 38% after a DUI, 30% after an at-fault accident, and 18% after a speeding ticket in North Dakota. The post-citation penalties assessed by car insurance companies in North Dakota roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Every auto insurance company advertises its low prices. But as with any product, the most affordable car insurance option is not always the finest option. Considering what's at stake, it's worth doing your research to zero in on an insurance policy that covers your vehicle completely in the event of an incident. Find a great value, instead of settling for the cheapest car insurance in your state.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
|Allstate||Above average||Average||Superior||4.3 / 5|
|American Family||Below average||Excellent||Excellent||4.3 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
In North Dakota, drivers are required to obtain auto insurance at or above the below levels:
Personal Injury Protection (PIP)
Optional coverage in North Dakota (varies by carrier):
If you select the minimum required coverage in North Dakota, you'll pay an average of $358 each year. This cost is cheaper than the nationwide average by 46%. If you elect more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, insuring against the costs of vehicle crashes, theft, or weather incidents. However, better auto insurance coverage comes at a cost: in North Dakota, a comprehensive policy with a $1,000 deductible costs $1,054, 194% more than basic coverage. For comprehensive insurance coverage with a $500 deductible, you can expect to pay 243% more than you might for a basic liability-only policy.
Find out more about North Dakota's car insurance requirements.
If you receive a ticket, your car insurance costs will probably rise. By how much depends on the type of violation, your car insurance company's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of typical auto insurance rates in North Dakota after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,182||65%||$857|
|Refused Breathalyzer/Chemical Test||$2,073||56%||$748|
|Driving with a Suspended License||$2,182||65%||$857|
|Driving with an Open Container||$1,587||20%||$262|
|Operating a Vehicle Without Permission||$1,685||27%||$360|
|Passing a School Bus||$1,680||27%||$355|
|Following Too Closely||$1,600||21%||$275|
|Failure to Stop at a Red Light||$1,714||29%||$390|
|Driving Wrong Way/Wrong Lane||$1,618||22%||$293|
|Failure to Yield||$1,618||22%||$293|
|Speeding in a School Zone||$1,613||22%||$288|
|Driving Too Slowly||$1,577||19%||$252|
|Driving with Expired Registration||$1,444||9%||$119|
|Failure to Show Documents||$1,444||9%||$119|
|Failure to Use Child Safety Restraint||$1,351||2%||$26|
|Failure to Wear a Seat Belt||$1,351||2%||$26|
|Driving Without Lights||$1,351||2%||$26|
If you want a liability-only policy in North Dakota, rates average at $179 for a six-month policy. For full coverage, premiums increase to $613, or $102 per month.
For a full coverage policy with a typical driver profile, USAA offers the cheapest rates in North Dakota: $977 per year or $488 for a six-month policy.
Your best option for cheap car insurance in North Dakota is to find the right company. Discounts can't make up for an expensive company. Get started with us to see rates from different providers in North Dakota.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in West Fargo, North Dakota, and the most expensive in Beulah, North Dakota.
|Rank||City||Avg. Annual Premium|
|9||Grand Forks AFB||$1,213|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.