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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
State FarmA++8330.73.13$1,738
American FamilyA8371.12.85$1,092

Data updated in 2024
Read our full methodology

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.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
American Family$171$177$1,092
State Farm$317$348$1,738
North Star Mutual$275$300$1,959
Nodak Insurance$239$267$2,233

*USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in North Dakota
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
58642 - Manning
For a 30-year-old male
$30 State minimum
$157 Full coverage
$32 Liability only

Most & least expensive ZIP codes for auto insurance in North Dakota

Most Expensive

ZIP codeCityHighest rate
58528Cannon Ball$164
58538Fort Yates$164

Least Expensive

ZIP codeCityLowest rate
58078West Fargo$121
Data updated in 2024
Read our full methodology

North Dakota car insurance requirements

North Dakota's minimum car insurance coverage limits are 25/50/25. North Dakota's state minimum liability insurance 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.

State minimum auto insurance coverage in North Dakota, ND
Company Liability insurance premiumMonthly liability insurance premium
American Family$166$14
Nodak Insurance$242$20
North Star Mutual$275$23
State Farm$317$26

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in North Dakota by age

Cheapest for teens
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Cheapest for adults
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Cheapest for seniors
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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.

Age group
American Family$3,490$291
North Star Mutual$4,512$376
State Farm$5,544$462
Nodak Insurance$8,313$693
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in North Dakota by driver profile

Cheapest for at-fault accident
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Cheapest for DUI
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Cheapest for speeding ticket
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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. 

CompanyClean recordAccidentSpeeding ticket
American Family$1,092$1,092$1,417
State Farm$1,738$1,956$1,837

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

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.

CityAnnual insurance premium
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in North Dakota have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • 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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