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.

Best car insurance companies in North Dakota
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
NationwideA+$ 9830.664.12
Auto-OwnersA++$ 1,2880.644.07
USAAA++$ 7750.993.95
State FarmA++$ 1,3720.523.93
American FamilyA$ 1,2360.573.69
GeicoA++$ 1,3780.773.66
ProgressiveA+$ 1,2620.733.6
FarmersA$ 1,5050.772.9
AllstateA+$ 1,8580.952.34

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.  

CompanyState minimum50/100/50 liability only100/300/100 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.

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Average auto insurance rates in Alabama
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36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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.

Cheapest car insurance by age in North Dakota
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. 

Cheapest car insurance companies for tickets and accidents in North Dakota 
CompanyClean recordAccidentTicket
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.

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
Bismarck
$1,596
Grafton
$1,639

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.  

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