The cost of car insurance in North Dakota can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in North Dakota is $1,295 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
Key takeaways
- The state minimum coverage in North Dakota costs $329 annually.
- The cheapest full coverage policy for North Dakota drivers is offered by USAA at $775 per year.
- Teen drivers in North Dakota get the cheapest car insurance from American Family at $2,879 a year.
- For drivers with a DUI on their driving history in North Dakota, Progressive offers the cheapest rates at $2,163 per year.
- Cheapest car insurance companies in North Dakota
- Cheapest car insurance for teens in North Dakota
- Cheapest car insurance for young drivers in North Dakota
- Cheapest car insurance for adults in North Dakota
- Cheapest car insurance for seniors in North Dakota
- Cheapest car insurance rates in North Dakota by driving record
- Average cost of car insurance in North Dakota
- Compare car insurance by city in North Dakota
Cheapest car insurance companies in North Dakota
USAA is the cheapest car insurance company in North Dakota that offers full coverage policy at about $775 per year or $65 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in North Dakota.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $775 | $65 |
| Nationwide | $983 | $82 |
| American Family | $1,236 | $103 |
| Progressive | $1,262 | $105 |
| Auto-Owners | $1,288 | $107 |
| State Farm | $1,372 | $114 |
| Geico | $1,378 | $115 |
| Farmers | $1,505 | $125 |
| Allstate | $1,858 | $155 |
Cheapest car insurance for teens in North Dakota
American Family is the cheapest car insurance provider for teen drivers in North Dakota. It offers insurance at about $2,879 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| American Family | $2,879 |
| Nationwide | $3,273 |
| Auto-Owners | $3,558 |
| State Farm | $4,010 |
| USAA | $4,165 |
| Geico | $4,274 |
| Farmers | $6,098 |
| Progressive | $6,345 |
| Allstate | $8,945 |
Cheapest car insurance for young drivers in North Dakota
The cheapest car insurance company for young drivers in North Dakota is USAA at about $1,560 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| USAA | $1,560 |
| Nationwide | $1,685 |
| American Family | $1,760 |
| Farmers | $2,065 |
| Geico | $2,132 |
| Progressive | $2,185 |
| Auto-Owners | $2,192 |
| State Farm | $2,381 |
| Allstate | $3,042 |
Cheapest car insurance for adults in North Dakota
According to Insurance.com's rate analysis, USAA offers the cheapest car insurance for adults in North Dakota. Its average rate is $865 annually.
Below are the companies that offer cheap insurance rates for adult drivers in North Dakota.
| Company | Average annual premium |
|---|---|
| USAA | $865 |
| Nationwide | $989 |
| American Family | $1,241 |
| Progressive | $1,310 |
| Auto-Owners | $1,313 |
| Geico | $1,366 |
| State Farm | $1,401 |
| Farmers | $1,496 |
| Allstate | $1,879 |
Cheapest car insurance for seniors in North Dakota
USAA offers the cheapest car insurance for seniors in North Dakota. The average annual premium offered is $726. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in North Dakota:
| Company | Average annual premium |
|---|---|
| USAA | $726 |
| Nationwide | $913 |
| American Family | $1,091 |
| Auto-Owners | $1,197 |
| Geico | $1,203 |
| State Farm | $1,230 |
| Progressive | $1,234 |
| Farmers | $1,415 |
| Allstate | $1,837 |
Cheapest car insurance rates in North Dakota by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with poor credit: USAA
USAA has the cheapest auto insurance for drivers with poor credit at about $2,158 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.| Company | Average annual premium |
|---|---|
| USAA | $1,266 |
| Nationwide | $1,368 |
| Geico | $1,758 |
| American Family | $1,790 |
| Progressive | $2,086 |
| Farmers | $2,168 |
| State Farm | $2,643 |
| Allstate | $2,834 |
| Auto-Owners | $3,512 |
Cheapest auto insurance for drivers with a speeding ticket: USAA
If you have a speeding ticket on your record, USAA offers the cheapest car insurance at about $1,472 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| USAA | $815 |
| Nationwide | $1,179 |
| State Farm | $1,370 |
| Auto-Owners | $1,373 |
| Progressive | $1,444 |
| American Family | $1,501 |
| Geico | $1,588 |
| Farmers | $1,885 |
| Allstate | $2,095 |
Cheapest auto insurance after an at-fault accident : USAA
USAA offers the cheapest car insurance after an at-fault accident. Its average cost for North Dakota drivers is $1,682 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| USAA | $952 |
| American Family | $1,180 |
| Nationwide | $1,239 |
| State Farm | $1,456 |
| Auto-Owners | $1,503 |
| Progressive | $1,752 |
| Farmers | $1,994 |
| Allstate | $2,211 |
| Geico | $2,854 |
Cheapest auto insurance after a DUI : Progressive
If there exists DUI on your driving record, Progressive offers the cheapest auto insurance in North Dakota at $2,163 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in North Dakota, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| Progressive | $1,293 |
| State Farm | $1,370 |
| American Family | $1,501 |
| USAA | $1,604 |
| Nationwide | $1,944 |
| Farmers | $1,957 |
| Auto-Owners | $2,133 |
| Allstate | $3,359 |
| Geico | $4,304 |
Average cost of car insurance in North Dakota
The average car insurance rate for full coverage in North Dakota is $1,295 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in North Dakota is $329 annually.
Compare car insurance by city in North Dakota
| Car Insurance in | Bismarck, ND |
| Car Insurance in | Grafton, ND |
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