Cheap Car Insurance
It's expensive to get car insurance in North Dakota!
Dang! North Dakota is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since North Dakota might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in North Dakota?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $718 |
| 2 | Allied | $903 |
| 3 | Nodak Mutual | $937 |
| 4 | Grinnell | $1,049 |
| 5 | State Farm | $1,131 |
| 6 | Safeco | $1,145 |
| 7 | Progressive | $1,307 |
| 8 | State Auto | $1,326 |
| 9 | Auto-Owners | $1,436 |
| 10 | Auto Club Group | $1,473 |
| 11 | Allstate | $1,504 |
| 12 | American Family | $1,507 |
| 13 | MetLife | $1,557 |
| 14 | EMC | $1,686 |
| 15 | National Farmers Union | $1,771 |
| 16 | North Star | $2,024 |
| 17 | GEICO | $2,039 |
| 18 | Farmers | $2,159 |
| 19 | Liberty Mutual | $2,423 |
| 20 | Dairyland | $5,145 |
Cheap Insurance for Good Drivers in North Dakota
Drivers with good 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% |
| No Accidents | $535 | 30.25% |
| Good Credit | $1,058 | 46.18% |
Cheap 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.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $4,715 | $6,197 |
| 17 | $4,404 | $4,899 |
| 18 | $4,076 | $4,542 |
| 19 | $3,401 | $2,840 |
Cheap Car 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 Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $1,768 | 30.25% |
| DUI | $2,003 | 38.44% |
| Speeding Violation | $1,519 | 18.80% |
| Bad Credit | $2,292 | 46.18% |
Car Insurance Laws
State minimum insurance requirements in North Dakota
In North Dakota, the state minimum coverage requirements are as follows:
Liability
- 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
Liability coverage is legally required in North Dakota and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In North Dakota, the minimum is listed as 25/50/25 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in North Dakota and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In North Dakota, the minimum is listed as 25/50 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In North Dakota, minimum PIP coverage of $30,000 per person is required on your policy.
These numbers reflect the minimum limits required in North Dakota but higher coverage amounts are available with most companies.
North Dakota is a no fault state!
What does this mean for you?
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
Cheap North Dakota Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in North Dakota.
Car Insurance FAQs
Are digital insurance cards accepted in North Dakota?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in North Dakota you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in North Dakota?
Uninsured Drivers in North Dakota
6%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Beulah | $1,323 |
| 2 | Hazen | $1,323 |
| 3 | Rugby | $1,313 |
| 4 | Bottineau | $1,310 |
| 5 | Carrington | $1,302 |
| 6 | Belcourt | $1,302 |
| 7 | Williston | $1,296 |
| 8 | Grafton | $1,286 |
| 9 | Devils Lake | $1,278 |
| 10 | Bismarck | $1,224 |
| 11 | Dickinson | $1,223 |
| 12 | Minot | $1,217 |
| 13 | Mandan | $1,210 |
| 14 | Lincoln | $1,204 |
| 15 | Valley City | $1,156 |
| 16 | Lisbon | $1,147 |
| 17 | Jamestown | $1,147 |
| 18 | Wahpeton | $1,138 |
| 19 | Casselton | $1,132 |
| 20 | Grand Forks AFB | $1,132 |
| 21 | Fargo | $1,106 |
| 22 | Horace | $1,089 |
| 23 | Grand Forks | $1,077 |
| 24 | West Fargo | $1,019 |
Recent North Dakota Car Insurance Questions and Answers
What do I do if my vehicle was totaled while parked?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
What happens if your car gets broken into at home?
My car was parked in my driveway and when I left the house to go to work the next morning ...
Driving Laws
North Dakota Texting and Driving Laws
- Ban on all cell phones for drivers <18 years old
- Ban on text messaging for all drivers
Alcohol Related Fatalities
72
Per Year in North DakotaAnnual DUI Arrests
North Dakota4,003
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
