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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

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.

CompanyAverage annual premiumAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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:

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

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