American Family offers the most affordable minimum car insurance in North Dakota at $26 monthly and $307 annually, which is $106 less than the state average. These rates, provided by Quadrant Information Services, reflect the state's lowest options as of December 2024. Read our research methodology to learn how we found the cheapest North Dakota car insurance.
Cheapest Car Insurance in North Dakota
Updated: December 17, 2024
Advertising & Editorial Disclosure
Key Takeaways
As of December 2024, the most affordable car insurance providers in North Dakota are American Family, Nationwide, GEICO, Nodak Mutual and Progressive.
American Family offers the lowest rates, with minimum coverage at $26 and full coverage at $54 per month.
On average, residents pay $34 monthly for minimum coverage and $80 for full coverage.
What Is the Cheapest Car Insurance in North Dakota?
Cheapest Car Insurance Companies in North Dakota
American Family is the cheapest car insurance company for many North Dakota drivers, with an average monthly rate of $40 for both minimum and full coverages. This is lower than the state average of $57. Other affordable options include Nationwide, GEICO, Nodak Mutual and Progressive.
| American Family | $40 | $18 |
| Nationwide | $42 | $15 |
| GEICO | $44 | $13 |
| Nodak Mutual | $47 | $11 |
| Progressive | $52 | $5 |
| Auto-Owners Insurance Co | $57 | $0 |
*To calculate these averages, we used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations.
Best Car Insurance Rates in North Dakota
American Family offers the cheapest car insurance for minimum and full coverages in North Dakota. However, the best rate for you depends on your details. Below are the most affordable rates for different driver profiles.
| Minimum Coverage | American Family | $26 |
| Full Coverage | American Family | $54 |
| Drivers With Bad Credit | Nationwide | $38 |
| Drivers With a DUI | American Family | $29 |
| Drivers With an Accident | American Family | $26 |
| Drivers With a Speeding Ticket | American Family | $29 |
Cheapest Minimum Coverage Car Insurance in North Dakota
American Family, GEICO, Nationwide and Nodak Mutual offer the cheapest minimum coverage in North Dakota. Each has an average monthly rate of $26, which is below the state average of $34. The table below compares these rates with other companies offering similar coverage options.
| American Family | $26 | $9 |
| GEICO | $26 | $9 |
| Nodak Mutual | $26 | $9 |
| Nationwide | $26 | $8 |
| Auto-Owners Insurance Co | $28 | $6 |
| Progressive | $30 | $5 |
| State Farm | $31 | $3 |
Cheapest Full Coverage Car Insurance in North Dakota
American Family is the cheapest full coverage auto insurance provider in North Dakota, with rates averaging $54 per month or $646 per year, $27 less than the state average. Check the table below for other options.
| American Family | $54 | $27 |
| Nationwide | $58 | $23 |
| GEICO | $62 | $18 |
| Nodak Mutual | $68 | $13 |
| Progressive | $75 | $5 |
Cheapest Car Insurance in North Dakota for Young Drivers
In North Dakota, Nodak Mutual offers the best auto insurance rates for young adult drivers. A minimum coverage policy averages $28 per month for 25-year-olds.
| Nodak Mutual | $28 | $11 |
| American Family | $30 | $9 |
| GEICO | $30 | $9 |
| Nationwide | $31 | $8 |
| Progressive | $31 | $8 |
| Auto-Owners Insurance Co | $35 | $4 |
| State Farm | $38 | $2 |
*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in North Dakota
Young drivers in North Dakota can find affordable minimum coverage with Nodak Mutual, which costs $28 per month. American Family provides the cheapest full coverage at $62. Rates may vary based on your driving record, but these companies are a great starting point for finding budget-friendly options.
| Nodak Mutual | Minimum Coverage | $28 |
| American Family | Full Coverage | $62 |
| Nationwide | Drivers With Bad Credit | $44 |
| Progressive | Drivers With a DUI | $33 |
| American Family | Drivers With an Accident | $30 |
| Nodak Mutual | Drivers With a Speeding Ticket | $33 |
Cheapest Car Insurance in North Dakota for Seniors
Nodak Mutual offers the most affordable auto insurance rates for senior drivers, with an average monthly premium of $21 for minimum coverage.
| Nodak Mutual | $21 | $12 |
| GEICO | $22 | $11 |
| American Family | $25 | $9 |
| Nationwide | $25 | $8 |
| Progressive | $26 | $7 |
| State Farm | $29 | $4 |
| Auto-Owners Insurance Co | $30 | $4 |
*To determine the cheapest provider, we used minimum coverage for a 65-year-old driver with good credit and no driving violations.
Cheapest Car Insurance Rates for Seniors in North Dakota
For senior drivers in North Dakota, Nodak Mutual offers the cheapest minimum coverage at $21 monthly. American Family provides affordable full coverage at $48. While your quote may vary, these rates can guide your car insurance shopping.
| Nodak Mutual | Minimum Coverage | $21 |
| American Family | Full Coverage | $48 |
| GEICO | Drivers With Bad Credit | $27 |
| American Family | Drivers With a DUI | $28 |
| American Family | Drivers With an Accident | $25 |
| Nodak Mutual | Drivers With a Speeding Ticket | $26 |
Cheap Auto Insurance for High-Risk Drivers in North Dakota
Drivers in North Dakota with a DUI, at-fault accident or speeding ticket are considered high-risk and pay higher premiums than those with a clean record. Rates vary by offense. Below are the best car insurance options for high-risk drivers.
Cheapest Car Insurance in North Dakota With a DUI
American Family offers the best rates for North Dakota drivers with DUIs, averaging $29 per month ($347 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums.
| American Family | $29 | $24 |
| Progressive | $30 | $23 |
| State Farm | $31 | $22 |
| Nodak Mutual | $40 | $12 |
| Grinnell Mutual | $45 | $7 |
| Nationwide | $48 | $4 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in North Dakota With an Accident
With rates averaging $26 per month ($306 per year), American Family is the cheapest auto insurance company for drivers after an at-fault accident. The table below lists other affordable options. Rates are for minimum coverage policies.
| American Family | $26 | $19 |
| Nationwide | $26 | $18 |
| Nodak Mutual | $34 | $10 |
| State Farm | $34 | $10 |
| Auto-Owners Insurance Co | $39 | $5 |
| Progressive | $41 | $3 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in North Dakota With a Speeding Ticket
American Family offers the cheapest insurance for drivers with a speeding ticket, averaging $29 per month. Check the table below to compare providers offering minimum coverage.
| American Family | $29 | $10 |
| GEICO | $30 | $8 |
| Nodak Mutual | $31 | $8 |
| Nationwide | $31 | $8 |
| State Farm | $31 | $7 |
| Progressive | $33 | $6 |
| Auto-Owners Insurance Co | $33 | $6 |
*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in North Dakota for Drivers With Bad Credit
American Family is the cheapest car insurance provider for drivers with poor credit scores, with rates at $38 monthly and $456 annually for minimum coverage. Review the table below for more options.
| Nationwide | $38 | $23 |
| GEICO | $41 | $20 |
| American Family | $42 | $18 |
| Progressive | $50 | $10 |
| Nodak Mutual | $59 | $1 |
*These rates are based on a 40-year-old driver with bad credit and a clean driving record.
Cheapest Car Insurance in North Dakota by City
Location affects car insurance rates, with factors like population, flood risks and crime influencing costs.
For example, American Family offers a minimum coverage policy in Fargo for just $26 monthly. The table below shows the city's most affordable option and its lowest average monthly premium.
| Fargo | American Family | $26 |
*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in North Dakota
For affordable home and auto insurance bundles in North Dakota, Allstate has an average annual premium of $2,022. Check the table below for more cost-effective options.
| Allstate | $2,022 |
| Metropolitan | $2,555 |
| MetLife | $2,555 |
| Farmers | $2,558 |
| State Farm | $2,781 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
How Much Does Car Insurance Cost in North Dakota?
The average monthly cost of full coverage car insurance in North Dakota is $80, while minimum coverage averages $34. Understanding the average cost of car insurance in North Dakota helps you evaluate whether your current rate is fair and if you're getting good value for your money.
North Dakota Car Insurance Cost by City
Car insurance costs vary across North Dakota. See the table for average city rates on minimum and full coverage plans.
| Fargo | $37 | $75 |
Is Car Insurance in North Dakota Expensive?
Car insurance in North Dakota ranks 42nd compared to other states, making it more affordable for residents. The state's low population density, minimal natural disaster risks and lower vehicle theft rates contribute to this cost advantage.
North Dakota Car Insurance Minimum Requirements
North Dakota's minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage per accident. Uninsured/underinsured motorist coverage must match the bodily injury limits, and personal injury protection (PIP) must be at least $30,000 per person.
Comprehensive and collision coverage may also be required if you finance or lease your vehicle. While minimum coverage is the cheapest option, it offers the least protection. For better financial security, experts recommend opting for full coverage with the highest deductible and liability limits you can afford.
Bodily injury liability
It covers medical expenses and legal fees if you injure someone in an accident. The minimum limits are $25,000 per person and $50,000 per accident.
Property damage liability
It covers the costs to repair or replace someone else's property or vehicle you damage in an accident. The minimum limit is $25,000 per accident.
Uninsured/Underinsured motorist coverage
This helps cover your medical expenses and damage if the other driver lacks sufficient insurance. The minimum limits are $25,000 per person and $50,000 per accident.
Personal injury protection
It covers medical expenses and lost wages for you and your passengers, ensuring you receive necessary medical care after an accident. The minimum limit is $30,000 per person.
Drivers with serious traffic violations, like speeding or DUI, may need to file for SR-22 insurance, which can increase premiums. You or your insurance company can file the SR-22 form in North Dakota. It remains valid for three years from your most recent offense.
Alternative Ways to Satisfy North Dakota Car Insurance Requirements
In North Dakota, self-insurance is an alternative to traditional car insurance, allowing drivers to prove they have enough financial resources to cover accident costs while meeting state minimum requirements.
Fleet insurance is a useful option for business owners with multiple vehicles. It bundles coverage for several cars, making it easier to meet state requirements.
How Much Car Insurance Should I Get in North Dakota?
MoneyGeek recommends full coverage car insurance, which includes liability, collision and comprehensive coverages. We suggest the following liability limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage pays for off-road damage to your car if it’s stolen, vandalized or damaged by something other than a collision, like severe weather or a fire. Collision coverage pays for damage to your car in an on-road collision.
If you own a valuable car, MoneyGeek suggests purchasing comprehensive and collision insurance, even though it's not legally required. Tailor your deductible for comprehensive and collision coverages based on what you can afford to pay out of pocket before your insurance covers the rest.
Cheap Car Insurance in North Dakota: Bottom Line
American Family offers the cheapest car insurance in North Dakota, with full coverage at $54 monthly and minimum coverage at $26. While saving money is great, the cheapest option may not be the best. Get as much coverage as you can afford for better financial protection.
Cheap Car Insurance in North Dakota: FAQ
We answer common questions about North Dakota's affordable car insurance to help you find the right plan for your needs.
What are the cheapest car insurance companies in North Dakota?
American Family provides the cheapest auto insurance in North Dakota, with minimum coverage at $26 and full coverage at $54 per month.
Who has the cheapest car insurance rates for young drivers in North Dakota?
Young drivers in North Dakota can get the best rates with Nodak Mutual, offering minimum coverage for $28 per month, $11 less than the state average.
Who offers the cheapest car insurance rates for seniors in North Dakota?
Seniors in North Dakota can save with Nodak Mutual, which offers minimum coverage car insurance for $21 per month, $12 less than the state average.
Should you buy the cheapest car insurance available in North Dakota?
While the cheapest car insurance can be tempting, financial security is crucial in case of major losses. American Family balances cost effectiveness and reliable service, making it the best and most affordable car insurance option in North Dakota.
How much does car insurance in North Dakota cost, on average?
In North Dakota, the average monthly cost of full coverage car insurance is $80, while minimum coverage averages $34.
What are car insurance requirements in North Dakota?
North Dakota requires drivers to have minimum auto insurance coverage, including bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, and personal injury protection (PIP) of $30,000 per person.
Affordable Car Insurance in North Dakota: How We Found the Best Cheap Rates
MoneyGeek obtained North Dakota auto insurance rates from the North Dakota Department of Insurance and Quadrant Information Services. We examined 14,296 auto insurance quotes from 11 providers across 11 ZIP codes to determine the most affordable car insurance companies in North Dakota.
North Dakota Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in North Dakota:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.
Standard Coverage Levels in North Dakota
We compared North Dakota car insurance companies that offer minimum and full coverage policies. The minimum coverage liability limits in North Dakota are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $30,000 personal injury protection (PIP) per person
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Home and Auto Coverage Levels in North Dakota
MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.