- Average cost of car insurance in North Dakota
- Best car insurance companies in North Dakota: Auto-Owners
- Cheapest car insurance companies in North Dakota: American Family
- Cheapest car insurance cost in North Dakota by age
- Cheapest car insurance companies in North Dakota by driver profile
- Compare auto insurance rates by city in North Dakota
- Methodology
- Compare auto insurance rates with other states
Average cost of car insurance in North Dakota
The average car insurance rate in North Dakota is $139 per month for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in North Dakota is $349.
Best car insurance companies in North Dakota: Auto-Owners
Auto-Owners is the best car insurance company in North Dakota, based on an analysis by Insurance.com, with an overall rating of 3.58. Nationwide came in second.
Below is a full list of the top North Dakota insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Avg. Annual Premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 829 | 0.50 | 3.58 | $1,717 |
| Nationwide | A+ | 792 | 0.64 | 3.36 | $1,152 |
| Progressive | A+ | 803 | 0.65 | 3.19 | $1,403 |
| State Farm | A++ | 833 | 0.70 | 3.13 | $1,738 |
| Geico | A++ | 819 | 0.91 | 2.90 | $1,773 |
| American Family | A | 837 | 1.10 | 2.85 | $1,092 |
| Allstate | A+ | 806 | 0.65 | 2.54 | $2,339 |
| Farmers | A | 819 | 0.80 | 2.52 | $2,077 |
Cheapest car insurance companies in North Dakota: American Family
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in North Dakota and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in North Dakota but is only available to military members, veterans, and their families, with average rates of $826 annually or $69 a month, on average, for full coverage. American Family is the cheapest company overall and is open to all drivers, with an average annual rate of $1,092 for full coverage in North Dakota.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA* | $163 | $176 | $826 |
| American Family | $171 | $177 | $1,092 |
| Nationwide | $379 | $351 | $1,152 |
| Progressive | $388 | $417 | $1,403 |
| Auto-Owners | $289 | $317 | $1,717 |
| State Farm | $317 | $348 | $1,738 |
| Geico | $270 | $285 | $1,773 |
| North Star Mutual | $275 | $300 | $1,959 |
| Farmers | $607 | $638 | $2,077 |
| Nodak Insurance | $239 | $267 | $2,233 |
| Allstate | $740 | $793 | $2,339 |
*USAA offers car insurance only to military members, veterans and their families.
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Most & least expensive ZIP codes for auto insurance in North Dakota
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 58568 | Selfridge | $165 |
| 58528 | Cannon Ball | $164 |
| 58538 | Fort Yates | $164 |
| 58529 | Carson | $163 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 58104 | Fargo | $119 |
| 58102 | Fargo | $121 |
| 58103 | Fargo | $121 |
| 58078 | West Fargo | $121 |
Cheapest car insurance cost in North Dakota by age
In North Dakota, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience.
American Family offers the cheapest car insurance for teen drivers in North Dakota at $2,701 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In North Dakota, American Family offers the cheapest full coverage car insurance for adult and senior drivers at $1,072 per year and $983 per year, respectively, unless they are eligible for coverage from USAA.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | American Family | $2,701 |
| Teens (16-19) | Nationwide | $3,357 |
| Teens (16-19) | Auto-Owners | $3,967 |
| Teens (16-19) | USAA | $4,182 |
| Teens (16-19) | North Star Mutual | $4,341 |
| Teens (16-19) | State Farm | $4,682 |
| Teens (16-19) | Nodak Insurance | $5,331 |
| Teens (16-19) | Progressive | $6,409 |
| Teens (16-19) | Geico | $8,021 |
| Teens (16-19) | Farmers | $8,547 |
| Teens (16-19) | Allstate | $9,238 |
| Young Adults (20-24) | American Family | $1,563 |
| Young Adults (20-24) | USAA | $1,600 |
| Young Adults (20-24) | Nationwide | $1,823 |
| Young Adults (20-24) | Progressive | $2,232 |
| Young Adults (20-24) | Auto-Owners | $2,669 |
| Young Adults (20-24) | Farmers | $2,733 |
| Young Adults (20-24) | State Farm | $2,808 |
| Young Adults (20-24) | North Star Mutual | $3,047 |
| Young Adults (20-24) | Nodak Insurance | $3,298 |
| Young Adults (20-24) | Allstate | $3,557 |
| Young Adults (20-24) | Geico | $4,005 |
| Adults (25-60) | USAA | $892 |
| Adults (25-60) | American Family | $1,072 |
| Adults (25-60) | Nationwide | $1,123 |
| Adults (25-60) | Progressive | $1,413 |
| Adults (25-60) | Auto-Owners | $1,709 |
| Adults (25-60) | State Farm | $1,735 |
| Adults (25-60) | North Star Mutual | $1,865 |
| Adults (25-60) | Farmers | $1,996 |
| Adults (25-60) | Nodak Insurance | $2,039 |
| Adults (25-60) | Allstate | $2,307 |
| Adults (25-60) | Geico | $2,582 |
| Seniors (65-75) | USAA | $773 |
| Seniors (65-75) | American Family | $983 |
| Seniors (65-75) | Nationwide | $1,029 |
| Seniors (65-75) | Progressive | $1,346 |
| Seniors (65-75) | State Farm | $1,585 |
| Seniors (65-75) | Auto-Owners | $1,587 |
| Seniors (65-75) | North Star Mutual | $1,727 |
| Seniors (65-75) | Farmers | $1,809 |
| Seniors (65-75) | Nodak Insurance | $1,983 |
| Seniors (65-75) | Allstate | $2,293 |
| Seniors (65-75) | Geico | $2,793 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in North Dakota by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay higher rates.
However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average North Dakota rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $679 | $1,078 | $851 |
| Nationwide | $971 | $1,512 | $1,423 |
| American Family | $1,158 | $1,348 | $1,503 |
| Geico | $1,207 | $2,995 | $1,487 |
| Progressive | $1,219 | $1,921 | $1,527 |
| Auto-Owners | $1,229 | $1,569 | $1,600 |
| State Farm | $1,284 | $1,456 | $1,370 |
| Farmers | $1,477 | $2,239 | $1,992 |
| Allstate | $1,863 | $2,549 | $2,282 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in North Dakota
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in North Dakota.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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