Car Insurance in North Dakota
- State Farm offers the cheapest liability at $35/mo.
- State Farm has the cheapest full coverage at $126/mo.
Enter your ZIP code to start your search for North Dakota car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in North Dakota at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in North Dakota
The average car insurance rate in North Dakota is $1,021 for a six-month policy — 12% cheaper than the U.S. average.[1]
If you're eligible, USAA does offer competitive rates for the 34% of North Dakotans who believe they’re overpaying for car insurance.[2] If you're not associated with the military, our data shows State Farm is a competitive option in North Dakota.
Cheapest full coverage in ND
- State Farm offered the cheapest full coverage in North Dakota at $126/mo.
Cheapest liability coverage in ND
- State Farm offered the cheapest liability coverage in North Dakota at $35/mo.
Best customer service in ND
- State Farm scored 659 in JD Power's latest study — the highest in North Dakota[3].
Cheap full coverage insurance in North Dakota
In 2026, the average cost of full coverage insurance in North Dakota is $1,021 for a six-month policy. Full coverage is a popular choice here, with 54% of The Zebra’s North Dakota customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from State Farm — average data shows they offer the cheapest rates in the state at $126.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $619 | $103 |
| State Farm | $753 | $126 |
| American Family | $971 | $162 |
| Progressive | $1,074 | $179 |
| Allstate | $1,155 | $193 |
| GEICO | $1,314 | $219 |
Source: The Zebra
The Zebra’s auto insurance 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.
Cheap liability insurance in North Dakota
The average cost for liability insurance in North Dakota is $260 for a 6-month policy.[1] For our user profile, State Farm offers the most affordable liability insurance options in the state at $35/mo.
According to our data, 46% of North Dakota drivers carry only the state-required liability coverage.[2] In North Dakota, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of North Dakota with our helpful guide.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $148 | $25 |
| State Farm | $210 | $35 |
| Auto-Owners | $223 | $37 |
| Progressive | $243 | $40 |
| GEICO | $294 | $49 |
| American Family | $340 | $57 |
| Allstate | $458 | $76 |
Source: The Zebra
North Dakota is one of the few states with a no-fault auto insurance system, meaning your own insurance pays for certain medical expenses and economic losses after a covered accident, regardless of who caused the crash. Every auto insurance policy must include Personal Injury Protection (PIP) coverage with a minimum of $30,000 in basic no-fault benefits.[4] This coverage helps pay for medical expenses, lost wages, and other eligible costs, allowing injured drivers and passengers to receive benefits more quickly without waiting for fault to be determined.
Renata Balasco — licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $148 | $619 |
| State Farm | $210 | $753 |
| Progressive | $243 | $1,074 |
| MetLife | $487 | $1,649 |
| GEICO | $294 | $1,314 |
| Auto-Owners | $223 | $1,032 |
| American Family | $340 | $971 |
| Allstate | $458 | $1,155 |
| Allied | $227 | $642 |
Source: The Zebra
What are the best car insurance companies in North Dakota?
We’ve named State Farm as North Dakota's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Local insights
Drivers near you in North Dakota weigh in
"I have USAA they’ve been great to us."
-Reddit user on r/North Dakota
"100% use USAA. They have been awesome for me. I have submitted claims through them once for hitting a deer and another for a windshield replacement. Both times went very smoothly and I didn't feel like they were trying to rip me off.
-Reddit user on r/North Dakota
Compare car insurance rates from the best companies in North Dakota.
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 New Town, North Dakota.
Have a look at the table below to see average car insurance costs in some of North Dakota biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Insurance expertise, trusted guidance
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
North Dakota auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in North Dakota. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top North Dakota insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
North Dakota car insurance for high-risk drivers
For high-risk drivers in North Dakota with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding North Dakota's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DUI insurance in North Dakota?
In North Dakota, a DUI offense can increase your annual car insurance premium substantially. 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.
Rate increase: +$892
The average 6-month rate increase after a DUI in North Dakota. This premium increase usually lasts 3-5 years.
First time DUI penalties
- Up to a $500 fine
- Up to 180-day license suspension
- Mandatory addiction evaluation
DUI record impact timeline
- DMV record: 7 years
- Criminal record: Permanent
Cheap car insurance after a DUI in North Dakota
If you're convicted of a DUI 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. Check out the table below to see average rates by top insurers in North Dakota.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $1,042 | $174 |
| USAA | $1,224 | $204 |
| Progressive | $1,305 | $218 |
| American Family | $1,511 | $252 |
| Auto-Owners | $1,747 | $291 |
| Allstate | $2,036 | $339 |
| GEICO | $2,656 | $443 |
Source: The Zebra
North Dakota SR-22 laws
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. In North Dakota, an SR-22 is required for 1 year after a DUI conviction.
Finding cheap auto insurance with an SR-22 in North Dakota might require some research, but it could pay off in the end.
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 and 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.
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.
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!
How have average car insurance costs in North Dakota changed?
North Dakota's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — North Dakota |
|---|---|
| 2026 | $2,108 |
| 2025 | $2,095 |
| 2024 | $1,711 |
| 2023 | $1,655 |
| 2022 | $1,555 |
| 2021 | $1,317 |
| 2020 | $1,322 |
| 2019 | $1,419 |
| 2018 | $1,357 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
North Dakota car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding North Dakota auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
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Personal Injury Protection (PIP). PIP Mandate.
Personal Injury Protection (PIP). PIP Mandate.
RECENT QUESTIONS ABOUT CAR INSURANCE IN NORTH DAKOTA
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.
