Cheapest Car Insurance in North Dakota (October 2024)

American Family offers the cheapest minimum coverage auto insurance in North Dakota. Depending on your driver profile, State Farm and USAA are also worth considering.

We found the top car insurance companies in North Dakota for drivers seeking a balance of quality service and cost.

The cheapest car insurance companies offering minimum coverage in North Dakota are:

• American Family: $307 per year
• GEICO: $308 per year

Allstate minimum coverage policies average $755 per year and are the most expensive.

A minimum coverage policy in the state covers only bodily injury liability and property damage liability.

Minimum coverage insurance pays for damage and injuries you inflict on other drivers during an accident. Such policies don’t cover damage to your vehicle.

A full coverage policy, which includes comprehensive and collision insurance, will pay for damage to your car.

The following companies offer the cheapest full coverage auto insurance in North Dakota:

• American Family: $646 per year
• Nationwide: $693 per year

Grinnell Mutual provides the most expensive full coverage at an annual average of $1,339.

Full coverage insurance typically costs more but provides greater protection. For instance, an American Family full coverage policy adds about $339 per year compared to a basic policy. This type of coverage includes collision insurance for on-road accidents and comprehensive insurance for off-road incidents like flooding and theft.

If you want to ensure you have enough coverage, the following liability protection can be a good starting point:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage liability per accident

The above coverage limits provide sufficient protection for average drivers. If you want to save on your monthly premiums, you can drop comprehensive and collision insurance or raise the deductible. However, you might not have enough protection in case of an accident.

When shopping for auto insurance, drivers can compare rates online by visiting a prospective insurer’s website and going through the pre-application process. However, this can take 15 minutes or more for each company.

MoneyGeek’s online calculator can help you quickly compare rates from the top insurers in your state without providing personal information.

Age is one of the most significant factors affecting car insurance rates. In North Dakota, State Farm offers the cheapest options for teens, while American Family is the most affordable for both young adults and seniors.

Parents who want to add teen drivers to their policies will find the cheapest car insurance rates from:

• State Farm: $1,200 per year for male and female teens
• Nationwide: $1,437 per year for male and female teens

GEICO is the most expensive in North Dakota, averaging $4,346 per year for male and female teens.

Teen car insurance rates drop as teens age. In North Dakota, a 19-year-old male driver pays significantly less than a 16-year-old. State Farm offers the lowest rates for teens aged 19 at $1,048 annually.

Adding a teen to a parent's policy is generally more affordable. While an individual policy for a teen costs about $4,825 annually, adding them to a family policy saves around $2,936 each year.

Families can save on car insurance for young drivers with discounts. Nationwide and State Farm offer discounts for students with good grades (B average or better). State Farm also provides discounts to students who use their car only when home.

The following companies are the cheapest in North Dakota for drivers in their 20s:

• American Family: $744 per year
• Nationwide: $807 per year

Grinnell Mutual offers the most expensive policies at around $1,794 per year.

In North Dakota, young adult drivers pay more for car insurance than middle-aged drivers. Policies for 40-year-old drivers are often about $198 cheaper than for 25-year-olds.

The cheapest full coverage car insurance in North Dakota for senior drivers comes from:

• American Family: $577 per year
• GEICO: $618 per year

Allstate sells policies at an average of $1,305 annually, the most expensive for this age group.

Senior drivers typically pay less than 40-year-old drivers, paying around $89 less per year for car insurance. However, premiums increase as drivers reach their 70s and 80s.

Allstate, American Family, Farmers and GEICO offer discounts to senior drivers. Insurers use factors other than age to set rates, so it’s good practice to shop around when looking for any type of insurance.

American Family offers the cheapest auto insurance for drivers with tickets, accidents, DUIs, and sports cars. For those with poor credit, Nationwide provides the most affordable rates.

Although violations can increase your premiums, affordable insurance options are still available.

The following companies offer the most affordable car insurance in North Dakota for drivers with a speeding ticket:

• American Family: $762 per year
• Nationwide: $805 per year

Farmers is the most expensive in North Dakota for this driver profile at around $1,436 per year.

North Dakota drivers with a speeding ticket on record pay $131 more each year than drivers with clean records.

The companies offering the cheapest auto insurance after an at-fault accident are:

• American Family: $646 per year
• Nationwide: $693 per year

GEICO is the most expensive company, offering policies at an average rate of $1,601 per year.

In North Dakota, your insurance rates may increase by an average of $272 yearly if you have an at-fault accident on your record compared with drivers with a clean record.

The cheapest car insurance companies for drivers with a DUI are the following:

• American Family: $762 per year
• Progressive: $991 per year

GEICO offers the most expensive policies at around $2,447 per year.

A DUI can increase your premiums by an average of $508 per year.

Drivers with poor credit pay more for car insurance than those with good credit. However, you can find affordable policies from the following companies in North Dakota:

• Nationwide: $973 per year
• American Family: $999 per year

Auto-Owners Insurance Co offers the most expensive full coverage insurance for drivers with poor credit at an average of $2,957 annually.

In North Dakota, having a poor credit score can add $830 to your premium.

People with lower credit scores are more likely to file claims and generally are riskier to insure than those with good credit. As a result, insurance providers charge them more.

Improving your credit score can take time. If you need to save on insurance while working to raise your credit score, compare rates and take advantage of discounts like bundling and installing safety features.

A sports car is more expensive to insure than regular vehicles, but you can find the cheapest insurance from these companies:

• American Family: $602 per year
• Nationwide: $739 per year

State Farm is the most expensive insurer for those with sports cars at $1,340 per year.

Drivers of a Ford Mustang in North Dakota pay $56 more for car insurance than Toyota Camry drivers.

MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. Sports, electric, and luxury cars are generally more expensive to insure; otherwise, the model may not be a significant factor. However, this may not be true for all states.

USAA provides the cheapest full coverage insurance in North Dakota for active duty military and veterans, with an average annual cost of $531. The company offers specialized policies and discounts for military personnel.

Car insurance costs can vary depending on where in North Dakota you live.

Fargo's cheapest full coverage policy comes from Nationwide, with an average annual premium of $639. MoneyGeek also examined the different car insurance options in Fargo.

In North Dakota, drivers must carry bodily injury liability, property damage liability, uninsured motorist protection and personal injury protection. Drivers without their own vehicle are also required to have an insurance alternative.

Learn about minimum car insurance requirements in North Dakota and the recommended liability coverage that ensures your protection.

Drivers in North Dakota must carry minimum car insurance coverage that includes bodily injury liability and property damage liability coverage. Although you can drive legally with this minimum requirement, ensuring you have full protection can save you a lot of money should an accident occur. At the very least, MoneyGeek recommends having enough liability coverage.

North Dakota drivers with repeated driving offenses must also have an SR-22.

MoneyGeek recommends having $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability per accident and $100,000 in property damage insurance per accident.

Drivers who finance their cars should get a full coverage policy with comprehensive and collision insurance for full protection.

Drivers without their own vehicle should secure non-owner car insurance in North Dakota as an alternative to regular car insurance. Drivers with repeated driving violations will need to file an SR-22 to get their license reinstated.

You can also visit North Dakota’s Department of Transportation (NDDOT) for appointment scheduling and online renewal.

MoneyGeek answered common questions about the cost and quality of car insurance in North Dakota.