- 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
- 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
- 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 $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 | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 829 | 0.5 | $1,717 | 3.58 |
| Nationwide | A+ | 792 | 0.64 | $1,152 | 3.36 |
| Progressive | A+ | 803 | 0.65 | $1,403 | 3.19 |
| State Farm | A++ | 833 | 0.7 | $1,738 | 3.13 |
| Geico | A++ | 819 | 0.91 | $1,773 | 2.9 |
| American Family | A | 837 | 1.1 | $1,092 | 2.85 |
| Allstate | A+ | 806 | 0.65 | $2,339 | 2.54 |
| Farmers | A | 819 | 0.8 | $2,077 | 2.52 |
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 |
|---|---|---|---|
| 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 | $163 | $176 | $826 |
*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 |
|---|---|---|
| Selfridge | $1,976 | $165 |
| Cannon Ball | $1,971 | $164 |
| Fort Yates | $1,970 | $164 |
| Carson | $1,956 | $163 |
| Elgin | $1,953 | $163 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| West Fargo | $1,456 | $121 |
| Fargo | $1,456 | $121 |
| Grand Forks | $1,489 | $124 |
| Horace | $1,538 | $128 |
| Grand Forks AFB | $1,539 | $128 |
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 $339 annually or $28 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 $166 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 |
|---|---|---|
| USAA* | $157 | $13 |
| American Family | $166 | $14 |
| Nodak Insurance | $242 | $20 |
| North Star Mutual | $275 | $23 |
| Auto-Owners | $289 | $24 |
| Geico | $290 | $24 |
| State Farm | $317 | $26 |
| Nationwide | $359 | $30 |
| Progressive | $363 | $30 |
| Farmers | $559 | $47 |
| Allstate | $711 | $59 |
*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 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.
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.
| Nationwide | $3,600 | $300 |
| State Farm | $5,544 | $462 |
| USAA | $7,031 | $586 |
| Progressive | $7,703 | $642 |
| Geico | $7,939 | $662 |
| Farmers | $13,080 | $1,090 |
| Allstate | $17,962 | $1,497 |
*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 | $1,092 | $1,092 | $1,417 |
| Progressive | $1,403 | $2,060 | $1,694 |
| Nationwide | $1,152 | $1,601 | $1,734 |
| Geico | $1,773 | $3,029 | $1,819 |
| State Farm | $1,738 | $1,956 | $1,837 |
| Auto-Owners | $1,717 | $2,083 | $1,973 |
| Allstate | $2,339 | $2,610 | $2,618 |
| Farmers | $2,077 | $3,253 | $2,721 |
| USAA | $826 | $1,187 | $987 |
*USAA offers car insurance only to military members, veterans and their families.
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
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 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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.
Compare North Dakota car insurance rates with other states
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