- Average cost of car insurance in North Dakota
- Best car insurance company in North Dakota: American Family
- Cheapest car insurance company in North Dakota: American Family
- North Dakota car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in North Dakota
- 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
- Car insurance premium trends in North Dakota
- Methodology
- Compare North Dakota car insurance rates with other states
Average cost of car insurance in North Dakota
The average cost of car insurance rate in North Dakota is $173 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 $354.
Best car insurance company in North Dakota: American Family
American Family is the best car insurance company in North Dakota, based on our data analysis, with an overall rating of 4.83. Auto-Owners 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 | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| American Family | A | 674 | 0.34 | $1,092 | 4.83 |
| Auto-Owners | A+ | 663 | 0.54 | $1,717 | 4.13 |
| Nationwide | A | 628 | 0.63 | $1,152 | 3.93 |
| Progressive | A+ | 638 | 0.71 | $1,403 | 3.9 |
| State Farm | A++ | 647 | 0.79 | $1,738 | 3.8 |
| GEICO | A++ | 622 | 0.69 | $1,773 | 3.47 |
| Farmers | A | 622 | 0.86 | $2,077 | 2.95 |
| Allstate | A+ | 629 | 1.1 | $2,339 | 2.77 |
| USAA | A++ | 759 | 1.18 | $826 | 4.5 |
Cheapest car insurance company 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 $1,088 annually or $91 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 $1,238 for full coverage in North Dakota.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| American Family | $164 | $169 | $1,238 |
| Nationwide | $394 | $368 | $1,250 |
| GEICO | $262 | $277 | $1,933 |
| Progressive | $345 | $374 | $2,046 |
| Auto-Owners | $353 | $375 | $2,446 |
| North Star Mutual | $324 | $353 | $2,583 |
| Nodak Insurance | $273 | $302 | $2,614 |
| State Farm | $506 | $556 | $2,704 |
| Allstate | $739 | $793 | $2,884 |
| USAA | $191 | $206 | $1,088 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in North Dakota
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| West Fargo | $471 | $39 |
| Fargo | $470 | $39 |
| Minot | $463 | $39 |
| Grand Forks | $463 | $39 |
| Bismarck | $462 | $38 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Glen Ullin | $391 | $33 |
| Rocklake | $391 | $33 |
| Osnabrock | $391 | $33 |
| Ashley | $391 | $33 |
| Munich | $391 | $33 |
The North Dakota Insurance Department says...
Defensive driving prevents the possibility of having an accident and/or claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing.. Drivers who voluntarily attend an approved defensive driving course are eligible by law for a discount on their premium.
- The North Dakota Insurance DepartmentNorth Dakota car insurance requirements
North Dakota's minimum car insurance coverage limits are 25/50/25. North Dakota's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $354 annually or $30 monthly.
Minimum liability insurance requirements for North Dakota:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $25,000 per person
- Personal injury protection (PIP): $30,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in North Dakota
According to Insurance.com, American Family provides the cheapest state minimum liability insurance, averaging $169 annually or $14 monthly. USAA offers cheaper rates but is available only to military veterans and their families.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in North Dakota.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| American Family | $169 | $14 |
| GEICO | $277 | $23 |
| Nodak Insurance | $302 | $25 |
| North Star Mutual | $353 | $29 |
| Auto-Owners | $375 | $31 |
| Nationwide | $368 | $31 |
| Progressive | $374 | $31 |
| State Farm | $556 | $46 |
| Allstate | $793 | $66 |
| USAA | $206 | $17 |
*USAA offers coverage only to military veterans and their family
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 a 16-year-old driver in North Dakota at $3,911 per year.
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 car insurance for a 25-year-old driver at $1,385 per year. Nationwide offers the cheapest car insurance for a 65-year-old driver at $1,059 per year. USAA offers cheaper rates but is available only to military veterans and their families.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| American Family | $3,911 | $326 |
| Nationwide | $3,988 | $332 |
| GEICO | $5,616 | $468 |
| North Star Mutual | $5,974 | $498 |
| Auto-Owners | $6,325 | $527 |
| USAA | $7,790 | $649 |
| State Farm | $8,612 | $718 |
| Progressive | $9,117 | $760 |
| Nodak Insurance | $13,675 | $1,140 |
| Allstate | $21,142 | $1,762 |
*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 |
|---|---|---|---|
| American Family | $1,238 | $0 | $1,606 |
| Nationwide | $1,250 | $1,982 | $1,882 |
| GEICO | $1,933 | $3,302 | $2,040 |
| Progressive | $2,046 | $3,003 | $2,471 |
| State Farm | $2,704 | $3,044 | $2,858 |
| Auto-Owners | $2,446 | $2,968 | $2,995 |
| Allstate | $2,884 | $3,888 | $3,229 |
| USAA | $1,088 | $1,563 | $1,299 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in North Dakota
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in North Dakota will impact what you pay. Below, we've gathered North Dakota car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Bismarck | $1,596 |
Grafton | $1,639 |
Car insurance premium trends in North Dakota
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in North Dakota to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare North Dakota car insurance rates with other states
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