Car Insurance in North Dakota
- American Family offers the cheapest full coverage quotes in ND
- Compare the cheapest car insurance quotes in ND from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car insurance quotes in North Dakota
The average six-month premium for a full coverage car insurance policy in North Dakota costs $1,042. This is just 5% cheaper than the national average.[1] North Dakota drivers can find the cheapest rates with American Family insurance.
Even with the cheaper price tag, 24% of Zebra customers in the state believe they're paying too much for car insurance.[2] Budget-conscious drivers can save substantially by choosing liability-only insurance. Our data suggests that North Star and Progressive are offering the lowest premiums for the state minimum coverage level.Â
Our guide to North Dakota car insurance analyzes rates for several demographics, as car insurance rating depends heavily on factors like age, driving history and zip code. Read on to learn how much auto insurance costs in North Dakota based on these variables, or submit your ZIP code above to receive car insurance quotes from top insurers.
- American Family offered the cheapest full insurance coverage in North Dakota at $108/mo.*
- See the other cheapest full coverage insurance companies and best discounts in ND ↓
- North Star offers the cheapest liability insurance coverage in North Dakota at $23/mo.
- See the other cheapest liability coverage insurance companies in ND ↓
- Among the carriers available in North Dakota, American Family was most highly rated on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in ND ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in North Dakota to name American Family as the best overall company for North Dakota drivers.
- Read about the rest of the top and best companies in ND ↓
*Note:Â USAAÂ offers the cheapest rates in North Dakota, but it's excluded from our list due to their strict eligibility guidelines. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.
Cheap full coverage in North Dakota
Full coverage car insurance is more expensive but offers protection beyond the basics—choosing a policy with comprehensive and collision will protect against the costs of car accidents, theft, vandalism, or weather incidents.
On average, North Dakota drivers pay $1,042 for a six-month car insurance policy with full coverage. It’s a popular option among Zebra customers in the state, with 63% of North Dakotans searching for full coverage quotes. The cheapest quotes come from American Family, North Star and Progressive.Â
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $645 | $108 |
| North Star | $696 | $116 |
| Progressive | $899 | $150 |
| Farmers | $1,081 | $180 |
| State Farm | $1,086 | $181 |
| Allstate | $1,121 | $187 |
| GEICO | $1,527 | $255 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
- Payment options: Paid-in-full, advance purchase, automatic payments
- Driver discounts:Â Good driver, good student, homeowner, bundling, military
- Vehicle discounts:Â Anti-theft devices, telematics, new vehicle
Cheap liability insurance in North Dakota
Car insurance is mandatory in most states, including North Dakota. In North Dakota, the minimum coverage costs about $265 for six months. Opting for liability-only coverage at the state minimum can save you money— in fact, 37% of Zebra customers in North Dakota choose liability-only coverage.Â
Our data shows that North Star, Progressive and American Family offer cheap rates for minimum coverage in North Dakota.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| North Star | $138 | $23 |
| Progressive | $211 | $35 |
| American Family | $235 | $39 |
| State Farm | $263 | $44 |
| GEICO | $376 | $63 |
| Farmers | $390 | $65 |
| Allstate | $451 | $75 |
Source: The Zebra
North Dakota law mandates minimum car insurance requirements of 25/50/25 — that is, $25,000 per person bodily injury liability, $50,000 per accident bodily injury and $25,000 property damage coverage. In addition, North Dakotans must carry uninsured/underinsured motorist coverage in the amounts of $25,000 per person and $50,000 per accident, as well as personal injury protection for $30,000 per person.  For more information, explore our detailed breakdown of North Dakota car insurance laws and coverage requirements.
North Dakota goes beyond many states' laws by requiring drivers to carry not just liability coverage, but also uninsured/underinsured motorist coverage and personal injury protection. While this provides a solid foundation, we suggest adding comprehensive and collision coverage if possible—these are the coverage options that will really safeguard your finances in case of an accident.
Renata Balasco — licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| North Star | $138 | $696 |
| Progressive | $211 | $899 |
| American Family | $235 | $645 |
| State Farm | $263 | $1,086 |
| GEICO | $376 | $1,527 |
| Farmers | $390 | $1,081 |
| Allstate | $451 | $1,121 |
Source: The Zebra
Find the best coverage and price in North Dakota with The Zebra.
What are the best car insurance companies in North Dakota?
American Family emerges as our top choice for North Dakota drivers. Their combination of excellent customer satisfaction scores in the region, coverage options and competitive pricing secured American Family the top spot. See the pros and cons of American Family below, plus quotes from more of the best-rated companies in North Dakota.
American Family's high J.D. Power scores, A rating from AM Best and cheap auto insurance quotes make it an excellent choice for most North Dakota drivers. In addition, American Family performed admirably in The Zebra Customer Satisfaction survey, appearing in the top 5 best companies in most categories.Â
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Superior customer service reputation in the area
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Competitive premiums for most demographics
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Performed impressively in the Zebra Customer Satisfaction Survey
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Limited state availability (only a concern if moving out of state)
Best car insurance in North Dakota — honorable mentions
Although American Family ranked highest, these other companies also performed well. Our rankings are based on data from the J.D. Power auto insurance survey and The Zebra's Customer Satisfaction Survey, which gathered feedback from 2,722 drivers to identify the insurers delivering the highest customer satisfaction.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| North Star | $138 | $23 |
| Progressive | $211 | $35 |
| State Farm | $263 | $44 |
Source: The Zebra
How did we pick what company has the "Best Value" in North Dakota?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in North Dakota
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Car insurance price trends in North Dakota
Compared to the rest of the U.S., car insurance prices in North Dakota have seen only slight fluctuations over the past decade. The largest drop came in 2018, with rates falling by $439. More recently, prices have been steadily climbing since 2022, with the most recent increase being just $56.Â
North Dakota's average premiums have stayed relatively consistent through the years, but the recent spikes are explained mainly by inflation, according to the state's insurance commissioner, Jon Godfread.[4]Â The best way to guarantee the best car insurance rate is to shop around at renewal.Â
| Year | Avg. Annual Premium — North Dakota | Yearly Change — North Dakota |
|---|---|---|
| 2024 | $1,711 | $56 |
| 2023 | $1,655 | $100 |
| 2022 | $1,555 | $238 |
| 2021 | $1,317 | -$5 |
| 2020 | $1,322 | -$97 |
| 2019 | $1,419 | $62 |
| 2018 | $1,357 | -$439 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Compare car insurance rates from the best companies in North Dakota.
Cheap auto insurance for teens and young drivers in North Dakota
Teen drivers, especially those between 16 and 19, face the highest car insurance premiums. This steep cost is due to the risk associated with inexperienced drivers. In North Dakota, the average rate for a teen driver is $6,268 annually—$261 below the national average but still more than three times what a typical driver in the state pays. See the table below for average premiums for teens from top North Dakota companies.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $1,372 | $229 |
| North Star | $1,535 | $256 |
| GEICO | $3,384 | $564 |
| State Farm | $3,677 | $613 |
| Progressive | $3,765 | $627 |
| Farmers | $4,563 | $760 |
| Allstate | $5,314 | $886 |
Source: The Zebra
- Take a defensive driving course to score some discounts and lower your accident risk.
- When car shopping, go for a reliable, safe, and affordable option instead of a high-performance model.
- Remain on your parent’s insurance policy to save on premiums and take advantage of their positive insurance record.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| North Star | $1,596 | $266 |
| American Family | $1,667 | $278 |
| GEICO | $3,826 | $638 |
| Progressive | $4,746 | $791 |
| State Farm | $4,923 | $821 |
| Farmers | $6,240 | $1,040 |
| Allstate | $9,043 | $1,507 |
Source: The Zebra
North Dakota auto insurance quotes after an accident or ticket
Finding affordable car insurance in North Dakota, after an accident can be difficult. Insurance companies evaluate your accident and ticket history to determine your risk. After an at-fault accident, your premiums could rise by as much as $782/year.
Here’s a look at what leading insurance providers in North Dakota, charge following an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $645 | $108 |
| North Star | $1,230 | $205 |
| State Farm | $1,342 | $224 |
| Progressive | $1,434 | $239 |
| Farmers | $1,463 | $244 |
| Allstate | $1,513 | $252 |
| GEICO | $2,267 | $378 |
Source: The Zebra
Although we hope to never need our insurance, a seamless experience when it’s required is crucial. In our 2024 Customer Satisfaction Survey, we assessed the satisfaction of claim filers, and among the carriers available in North Dakota, USAA, AAA and American Family emerged as top performers—both excellent options for North Dakota residents.[5]
In North Dakota, a poor driving record can lead to a sharp increase in your insurance rates. If you get a ticket or citation, expect your auto premiums to rise, though the exact amount varies based on the violation, your insurer’s pricing, and local insurance rules and risks. This means that the impact of tickets on your rates in North Dakota might differ from the national average. Typically, car insurance premiums go up by 33% after a DUI and 22% following a speeding ticket.
See below average auto insurance rates in North Dakota after a few common citations.
Source: The Zebra
The Zebra's guide to North Dakota car insurance laws for high-risk drivers
Violations like a DUI or driving without insurance in North Dakota can have serious consequences, such as increased premiums, license suspension, or the requirement to file an SR-22 form to prove financial responsibility. These infractions can make securing affordable coverage more challenging, as insurers consider these drivers high-risk.
For a detailed look at North Dakota’s specific requirements and the impact of violations on insurance options, explore The Zebra’s comprehensive guide to North Dakota car insurance laws and regulations. It provides helpful tips and insights to assist high-risk drivers in finding suitable coverage.
North Dakota DUI laws
In North Dakota, a DUI offense can increase your annual car insurance premium by an average of $1,677. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in North Dakota
If you're convicted of a DUI or DWI violation in North Dakota, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in North Dakota, American Family, advertises annual rates 55% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in North Dakota is Progressive, while the priciest firm is GEICO, with prices 56% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $841 | $140 |
| Progressive | $1,097 | $183 |
| Allied | $1,193 | $199 |
| Farmers | $1,434 | $239 |
| State Farm | $1,511 | $252 |
| Allstate | $1,986 | $331 |
| GEICO | $2,936 | $489 |
Source: The Zebra
There is no car insurer in particular that offers cheap DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
North Dakota SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of North Dakota to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in North Dakota might require some research, but it could pay off in the end.
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How to acquire an SR-22 in North Dakota
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
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For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in North Dakota in minutes!
Car insurance in popular North Dakota cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Fargo, North Dakota, and the most expensive in Minot, North Dakota.
Have a look at the table below to see average car insurance costs in some of North Dakota's biggest cities.
North Dakota car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding North Dakota auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
Auto insurance cost comparison survey released; Godfread shares ways to save. North Dakota Insurance Department
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN NORTH DAKOTA
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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 editorial 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.