Nationwide offers the cheapest auto insurance at $983 per year or $66 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $775 a year. Both are below the average North Dakota car insurance rate of $1,295 a year.
Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Nationwide to be the best insurance company in North Dakota and the cheapest.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your annual car insurance cost.
Read on to compare North Dakota insurance rates by company, age, and more.
Key takeaways
- Nationwide is the best car insurance company in North Dakota overall, with below-average rates and a low complaint ratio.
- Nationwide is alsothe cheapest car insurance company open to all residents in North Dakota at $983 per year.
- Nationwide has the cheapest car insurance rates for both adult and senior drivers in North Dakota, unless they are eligible for USAA.
- Average cost of car insurance in North Dakota
- Best car insurance companies in North Dakota
- Cheapest car insurance companies in North Dakota
- Cheapest car insurance cost in North Dakota by age
- Cheapest car insurance companies in North Dakota by driver profile
- Methodology
- Compare auto insurance rates by city in North Dakota
Average cost of car insurance in North Dakota
The average car insurance rate in North Dakota is $1,295 a year 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 $329.
Best car insurance companies in North Dakota
Nationwide is the best car insurance company in North Dakota, based on a 2023 analysis by Insurance.com, with an overall rating of 4.12. 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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Nationwide | A+ | $ 983 | 0.66 | 4.12 |
| Auto-Owners | A++ | $ 1,288 | 0.64 | 4.07 |
| USAA | A++ | $ 775 | 0.99 | 3.95 |
| State Farm | A++ | $ 1,372 | 0.52 | 3.93 |
| American Family | A | $ 1,236 | 0.57 | 3.69 |
| Geico | A++ | $ 1,378 | 0.77 | 3.66 |
| Progressive | A+ | $ 1,262 | 0.73 | 3.6 |
| Farmers | A | $ 1,505 | 0.77 | 2.9 |
| Allstate | A+ | $ 1,858 | 0.95 | 2.34 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in North Dakota
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 $775 annually or $65 a month, on average, for full coverage. Nationwide is the cheapest companyoverall and is open to all drivers, with an average annual rate of $983 for full coverage in North Dakota.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| USAA | $ 148 | $ 160 | $ 775 |
| Nationwide | $ 379 | $ 357 | $ 983 |
| American Family | $ 394 | $ 400 | $ 1,236 |
| Progressive | $ 317 | $ 338 | $ 1,262 |
| Auto-Owners | $ 262 | $ 291 | $ 1,288 |
| State Farm | $ 267 | $ 294 | $ 1,372 |
| Geico | $ 265 | $ 280 | $ 1,378 |
| Farmers | $ 402 | $ 418 | $ 1,505 |
| Allstate | $ 531 | $ 556 | $ 1,858 |
USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
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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 $2,790 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, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $979 per year and $889 per year, respectively, unless they are eligible for coverage from USAA.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | American Family | $ 2,790 |
| Teens (16-19) | Nationwide | $ 2,920 |
| Teens (16-19) | Auto-Owners | $ 3,094 |
| Teens (16-19) | State Farm | $ 3,570 |
| Teens (16-19) | Geico | $ 3,757 |
| Teens (16-19) | USAA | $ 3,830 |
| Teens (16-19) | Farmers | $ 5,954 |
| Teens (16-19) | Progressive | $ 6,017 |
| Teens (16-19) | Allstate | $ 8,235 |
| Young Adults (20-24) | USAA | $ 1,472 |
| Young Adults (20-24) | Nationwide | $ 1,567 |
| Young Adults (20-24) | American Family | $ 1,712 |
| Young Adults (20-24) | Farmers | $ 1,988 |
| Young Adults (20-24) | Geico | $ 1,992 |
| Young Adults (20-24) | Auto-Owners | $ 2,040 |
| Young Adults (20-24) | Progressive | $ 2,061 |
| Young Adults (20-24) | State Farm | $ 2,169 |
| Young Adults (20-24) | Allstate | $ 2,762 |
| Adults (25-55) | USAA | $ 845 |
| Adults (25-55) | Nationwide | $ 979 |
| Adults (25-55) | American Family | $ 1,218 |
| Adults (25-55) | Geico | $ 1,285 |
| Adults (25-55) | Auto-Owners | $ 1,307 |
| Adults (25-55) | Progressive | $ 1,322 |
| Adults (25-55) | State Farm | $ 1,387 |
| Adults (25-55) | Farmers | $ 1,495 |
| Adults (25-55) | Allstate | $ 1,847 |
| Seniors (60-75) | USAA | $ 706 |
| Seniors (60-75) | Nationwide | $ 889 |
| Seniors (60-75) | American Family | $ 1,090 |
| Seniors (60-75) | Progressive | $ 1,194 |
| Seniors (60-75) | Auto-Owners | $ 1,197 |
| Seniors (60-75) | Geico | $ 1,203 |
| Seniors (60-75) | State Farm | $ 1,230 |
| Seniors (60-75) | Farmers | $ 1,366 |
| Seniors (60-75) | Allstate | $ 1,783 |
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 | Ticket |
|---|---|---|---|
| USAA | $ 686 | $ 952 | $ 815 |
| Nationwide | $ 970 | $ 1,374 | $ 1,179 |
| American Family | $ 1,180 | $ 1,180 | $ 1,501 |
| Progressive | $ 1,193 | $ 1,752 | $ 1,531 |
| Auto-Owners | $ 1,229 | $ 1,503 | $ 1,345 |
| State Farm | $ 1,284 | $ 1,456 | $ 1,335 |
| Geico | $ 1,289 | $ 2,854 | $ 1,409 |
| Farmers | $ 1,450 | $ 1,994 | $ 1,941 |
| Allstate | $ 1,869 | $ 2,211 | $ 2,095 |
*USAA offers car insurance only to military members, veterans and their families.
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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:
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.
