Cheap North Dakota Car Insurance

Find affordable auto insurance that works for you in North Dakota. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in North Dakota

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.


Affordable insurance companies in North Dakota

What's the cheapest car insurance in North Dakota?
RankCompany NameAvg. Annual Premium
3State Farm$1,267
6Nodak Mutual$1,673
9American Family$2,403

Get quotes from dozens of insurers that provide coverage throughout North Dakota. Enter your ZIP code below to get started.

Compare North Dakota car insurance quotes from top providers.

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Cheap auto insurance for good drivers in North Dakota

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$28618.80%
No Accidents$53530.25%
Good Credit$1,05846.18%


Cheap auto insurance for young drivers in North Dakota

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.

AgeAnnual Rate with ParentsAnnual Rate Alone


Cheap auto insurance for bad drivers in North Dakota

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 FactorAnnual Rate% Increase
At-Fault Accident$1,76830.25%
Speeding Violation$1,51918.80%
Bad Credit$2,29246.18%

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Top rated car insurance companies in North Dakota

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. 


Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
MetLifeExcellentBelow averageExcellentN/A
Nodak MutualN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
USAAExcellentExcellentSuperior4.6 / 5


North Dakota auto insurance laws

In North Dakota, drivers are required to obtain auto insurance at or above the below levels:


  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Uninsured/Underinsured Motorist

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Personal Injury Protection (PIP)

  • $30,000 per person

Optional coverage in North Dakota (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance

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

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How tickets change insurance rates in North Dakota

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,18265%$857
Refused Breathalyzer/Chemical Test$2,07356%$748
Reckless Driving$2,11359%$788
Driving with a Suspended License$2,18265%$857
At-Fault Accident$1,80736%$482
Driving with an Open Container$1,58720%$262
Operating a Vehicle Without Permission$1,68527%$360
Passing a School Bus$1,68027%$355
Improper Passing$1,61822%$293
Following Too Closely$1,60021%$275
Failure to Stop at a Red Light$1,71429%$390
Illegal Turn$1,60021%$275
Driving Wrong Way/Wrong Lane$1,61822%$293
Failure to Yield$1,61822%$293
Speeding in a School Zone$1,61322%$288
Driving Too Slowly$1,57719%$252
Distracted Driving$1,59020%$265
Driving with Expired Registration$1,4449%$119
Failure to Show Documents$1,4449%$119
Not-at-Fault Accident$1,4016%$76
Failure to Use Child Safety Restraint$1,3512%$26
Failure to Wear a Seat Belt$1,3512%$26
Driving Without Lights$1,3512%$26


North Dakota car insurance FAQs

How much is car insurance in North Dakota?

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.

Who has the cheapest auto insurance?

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.

What can lower your car insurance?

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.

How much does car insurance cost in North Dakota cities?

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.

RankCityAvg. Annual Premium
8Grand Forks$1,216
9Grand Forks AFB$1,213
10West Fargo$1,188


Recent Questions:

What do I do if my vehicle was totaled while parked?

I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
Dec 1, 2017 Fargo, North Dakota

What happens if your car gets broken into at home?

You would file a claim with your auto insurance company for the damaged window and anything stolen from inside the vehicle that was permanently attached like a cd player/head unit or navigation system. For anything stolen from your vehicle that were personal items, not permanently attached to your car, you would have to file a claim with your renters/homeowners insurance company.
Aug 17, 2016 Grand Forks, ND

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

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.