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Why Compare Car Insurance Rates in North Dakota:

  • On average, people who compare rates save about $970 a year on car insurance
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North Dakota residents pay less for car insurance than the average driver in the United States. While the national average for auto insurance is $1329 per year, North Dakota drivers pay only $1188 on average.

However, just because you live in North Dakota does not guarantee a low rate. Those who qualify for USAA auto insurance could save a lot of money, paying an average of $669 per year. However, USAA coverage is restricted to current or former military personnel and their families. American Family Insurance offers the second-cheapest auto insurance coverage at $864 per year, 36% less than the average state rate.

These rates were compiled using data from an internal Way.com study for comparison purposes. We compare rates from the nation's largest auto insurance companies, and actual insurance rates vary.

Minimum Required Auto Insurance Coverage in North Dakota

All states require you to buy such insurance coverage before you can register your car. According to the North Dakota Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50000 ($100000 for injuries resulting in death)
Property Damage Liability $25000
Uninsured Motorist $25000 bodily injury per person $50000 bodily injury per accident

Cheapest Car Insurance in North Dakota for Minimum Required Coverage

North Dakota drivers pay an average of $1232 for minimum coverage car insurance. Those who choose QBE will pay nearly 70% more than the average state rate for this level of protection, while those who choose USAA will pay 47% less.

COMPANY AVERAGE ANNUAL RATE
USAA $649.80
American Family Insurance $868.09
State Farm $1,140.13
The General $1,142.04
Progressive $1,232.12
Nationwide $1,282.20
Nodak Mutual $1,308.98
Statewide Average $1,313.29
Farmers Insurance $1,388.52
Allied $1,443.74
Grinnell $1,555.94
MetLife $1,617.63
Allstate $1,776.78
QBE Insurance $2,159.92

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Do I Need More Than the Minimum Required State Coverage in North Dakota?

The best insurance is not necessarily the cheapest insurance. You may want more than the minimum insurance required by the state, depending on what you can afford. Collision insurance, for example, covers damage to your car, and comprehensive coverage covers your car for burglary, fire, blizzards, natural disasters, and animal accidents, such as deer or moss.

State insurance guidelines had already been laid down several years ago. Consumer and insurance advocates say that it is better to have a 100/300 exposure policy-a policy that pays $100,000 per injury and $300,000 per accident.

North Dakota Car Insurance Laws

Despite being one of the least populous states, North Dakota car insurance laws protect all drivers who live or travel in the Peace Garden State. Understanding some of North Dakota's most important car insurance laws is beneficial when deciding on your auto insurance policy or switching car insurance companies.

North Dakota has several car insurance laws worth paying close attention to. Almost every state requires drivers to have at least basic liability insurance, and drivers in North Dakota must have minimum liability and other insurance coverage.

This includes the following:

  • Liability insurance covers both bodily injury and property damage.
  • Uninsured and underinsured motorist protection
  • Basic no-fault insurance

PIP laws in North Dakota

Personal injury protection pays for medical expenses incurred by you and your passengers in the event of an accident. This coverage is available regardless of who is at fault, and PIP will pay for medical bills, rehabilitation costs, and even lost wages due to an accident. In North Dakota, your policy must include a minimum of $30,000 in PIP coverage per person, but most companies offer higher coverage amounts.

Auto Insurance Coverage Types

Like most states, North Dakota has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.

To be lawful in North Dakota, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.

Proof of Auto Insurance in North Dakota

All drivers in North Dakota are required by law to have car insurance.

This insurance is not only for your safety but also for the safety of others on the road. In addition, the state requires you to carry proof of insurance, which must be shown to law enforcement officials upon request.

Driving without car insurance is a serious offense in North Dakota. If you are caught driving without insurance in North Dakota, you will face the following penalties:

First offense:

  • A fine ranging from $150 to $1,000
  • Suspension of a driver's license (plus a $50 reinstatement fee)
  • For one year, SR-22 is required.

Subsequent infractions (within one year):

  • A fine ranging from $300 to $5,000
  • License suspension (plus a $50 reinstatement fee)
  • Up to 30 days in prison
  • SR-22 is required.

Carrying adequate car insurance is not only a legal requirement, but it is also a prudent way to protect yourself and your assets. North Dakota requires more types of car insurance coverage than many other states. Still, it's always a good idea to look into additional coverage options to ensure your safety. If the cost of these extra coverages concerns you, it may be time to start looking for a new policy.

Way.com can assist you in comparing free car insurance quotes from a variety of top carriers to help you find the best coverage at the lowest rates.

Average Cost of Auto Insurance Companies in North Dakota

The average annual cost of high coverage auto insurance in North Dakota is $1,390. North Dakota drivers who insure will pay 50% more for auto insurance coverage with Grinnell and 42% less with USAA.

Company Average Rate
USAA $666.66
American Family Insurance $874.00
Nationwide $1,028.41
THE GENERAL $1,067.55
State Farm $1,080.44
Progressive $1,172.27
AAA $1,282.18
MetLife $1,390.87
Nodak Mutual $1,492.84
Statewide Average $1,188.30
Farmers Insurance $1,318.53
Allstate $1,713.05
Allied $1,716.06
QBE Insurance $1,783.80
Grinnell $1,925.85

Cheapest Car Insurance Quotes for North Dakota Drivers

Being a law-abiding driver can significantly impact how much you pay for car insurance. If USAA covers a good driver, they may pay 44% less than North Dakota's average auto insurance rate. QBE offers good drivers the most expensive car insurance, charging approximately 34% more than the state average.

COMPANY AVERAGE ANNUAL RATE
USAA $666.66
American Family Insurance $874.00
Nationwide $1,018.41
The General $1,067.55
State Farm $1,080.44
Progressive $1,172.27
Statewide Average $1,188.30
Farmers Insurance $1,318.53
Allstate $1,713.05
QBE Insurance $1,783.80

Cheap Car Insurance in North Dakota for Young Drivers

What a difference eight years can make in auto insurance premiums! In North Dakota, young adult women pay 200% less than teen girls for car insurance, while young adult men pay nearly 219% less. The most expensive car insurance rate for this demographic is from AllState, while the least expensive is from American Family Insurance, with USAA coming in second.

Company 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $6,635.97 $7,703.63
American Family Insurance $2,027.35 $2,140.18
Farmers Insurance $5,655.99 $5,911.73
The General $2,939.23 $3,827.56
Nationwide $2,768.70 $3,546.07
Progressive $6,249.25 $7,003.03
QBE Insurance $4,643.68 $5,644.33
State Farm $2,630.06 $3,343.19
USAA $2,242.53 $2,699.86
Statewide Average $3,976.97 $4,646.62

Cheap Car Insurance for North Dakota Drivers with a Speeding Ticket

Leave a little earlier next time: being caught driving too fast can significantly raise your auto insurance rates. If you have USAA as your insurer, you could pay 19% more than a driver with a clean record, while QBE coverage could increase by nearly 27 percent after a speeding ticket.

COMPANY AVERAGE ANNUAL RATE
USAA $793.53
American Family Insurance $1,024.49
State Farm $1,155.60
Nationwide $1,207.64
The General $1,227.69
Statewide Average $1,408.66
Progressive $1,409.22
Nodak Mutual $1,594.74
Grinnell $1,635.85
Farmers Insurance $1,681.61
MetLife $1,710.94
Allied $1,847.66
Allstate $1,922.52
AAA $1,974.97
QBE Insurance $2,255.62

Cheap Car Insurance for North Dakota Drivers after a Car Accident

Compared to the average rate for drivers with clean records, the most expensive car insurance company, MetLife, could raise your rates by 110% after you report an accident. However, the lowest-cost insurer, USAA, charges a post-accident rate nearly 23% lower than the state average for all drivers involved in an accident.

COMPANY AVERAGE ANNUAL RATE
USAA $920.59
Nationwide $1,018.41
American Family Insurance $1,038.32
Allied $1,176.95
State Farm $1,230.70
Statewide Average $1,595.27
Grinnell $1,635.75
Nodak Mutual $1,651.84
Progressive $1,747.89
Farmers Insurance $1,810.06
Allstate $1,931.00
AAA $1,960.74
The General $2,178.67
QBE Insurance $2,481.81
MetLife $3,031.43

Cheap Car Insurance Quotes for North Dakota Drivers with a DUI

Drunk driving is a major public health and safety concern, and it also hurts your auto insurance premiums. Compared to the state car insurance costs for a driver with a clean record, THE GENERAL will raise your rate by 189 percent on average after a DUI.

American Family Insurance has the lowest post-DUI rate for North Dakota drivers, charging about 16% more than the state average.

COMPANY AVERAGE ANNUAL RATE
American Family Insurance $1,024.49
State Farm $1,155.60
Progressive $1,261.91
AAA $1,313.04
USAA $1,571.85
Allied $1,640.94
Nodak Mutual $1,770.85
Farmers Insurance $1,776.11
Grinnell $1,935.85
Nationwide $1,928.56
Statewide Average $1,965.02
QBE Insurance $2,684.29
Allstate $2,868.93
MetLife $3217.74
The General $3,413.44

Cheap Car Insurance for Married North Dakota Drivers

When compared to unmarried drivers, married drivers typically pay slightly lower car insurance premiums. According to our research, married drivers pay $64 less on average for a full coverage auto insurance policy. State Farm, Progressive, and The General have the lowest rates for married drivers.

Company Annual Rate
State Farm $1,061
Progressive $1,193
The General $1,781
Auto-Owners $1,829
American Family $1,841
Grinnell $1,925
Nodak $2,741

Cheap full coverage Car Insurance Quotes for Young Drivers with an Accident History

Grinnell is the most affordable option for young drivers with an accident history, costing $1071 per year, or 37% less than the state average. Accidents can raise your annual premiums, especially damaging for young drivers who already face high rates.

Company Annual rate
Grinnell $1071
State Farm $1314
Nodak $1575
Auto-Owners $1608
American Family $1638

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Compare Car Insurance Rates in Top Cities

Fargo has the lowest rates in North Dakota for a full coverage policy, with an average annual rate of $1416. Residents of Fort Yates, on the other hand, will receive an average premium of $1911 - a $492 difference.

The cost of an insurance policy in North Dakota varies according to the city in which the driver lives. Cities with a higher population density or a higher rate of accidents or theft will typically have higher coverage costs.

The location of your home can have a significant impact on the cost of your North Dakota car insurance, and this is because rating factors such as the frequency of car accidents vary from city to city.

Here's what you can expect to pay in your area.

CityAnnual Rate
Abercrombie$1,565
Absaraka$1,601
Adams$1,757
Agate$1,745
Alamo$1,841
Alexander$1,829
Almont$1,865
Alsen$1,733
Ambrose$1,817
Amenia$1,553
Amidon$1,817
Anamoose$1,817
Aneta$1,685
Antler$1,805
Argusville$1,541
Arnegard$1,853
Arthur$1,541
Arvilla$1,637
Ashley$1,685
Ayr$1,565
Baldwin$1,697
Balfour$1,793
Balta$1,793
Bantry$1,793
Barney$1,577
Bathgate$1,745
Beach$1,793
Belcourt$1,793
Belfield$1,793
Benedict$1,793
Berlin$1,673
Berthold$1,865
Beulah$1,793
Binford$1,661
Bisbee$1,757
Bismarck$1,637
Blanchard$1,637
Bottineau$1,781
Bowbells$1,853
Bowdon$1,793
Bowman$1,817
Braddock$1,757
Brocket$1,745
Buchanan$1,637
Buffalo$1,565
Burlington$1,769
Butte$1,793
Buxton$1,637
Caledonia$1,637
Calvin$1,721
Cando$1,757
Cannon Ball$1,889
Carpio$1,865
Carrington$1,733
Carson$1,877
Cartwright$1,865
Casselton$1,493
Cathay$1,769
Cavalier$1,733
Cayuga$1,577
Center$1,841
Chaseley$1,781
Christine$1,565
Churchs Ferry$1,745
Cleveland$1,601
Clifford$1,637
Cogswell$1,577
Coleharbor$1,745
Colfax$1,577
Columbus$1,841
Cooperstown$1,661
Courtenay$1,613
Crary$1,757
Crosby$1,841
Crystal$1,745
Cummings$1,649
Dahlen$1,757
Davenport$1,553
Dawson$1,745
Dazey$1,613
Deering$1,805
Denhoff$1,805
Des Lacs$1,853
Devils Lake$1,721
Dickey$1,685
Dickinson$1,649
Dodge$1,829
Donnybrook$1,841
Douglas$1,817
Drake$1,805
Drayton$1,745
Driscoll$1,685
Dunn Center$1,841
Dunseith$1,793
Edgeley$1,673
Edinburg$1,745
Edmore$1,733
Egeland$1,757
Elgin$1,877
Ellendale$1,685
Emerado$1,601
Enderlin$1,577
Epping$1,829
Erie$1,565
Esmond$1,793
Fairdale$1,757
Fairfield$1,793
Fairmount$1,577
Fargo$1,409
Fessenden$1,769
Fingal$1,565
Finley$1,613
Flasher$1,841
Flaxton$1,841
Forbes$1,673
Fordville$1,709
Forest River$1,757
Forman$1,589
Fort Ransom$1,577
Fort Totten$1,793
Fort Yates$1,901
Fortuna$1,817
Fredonia$1,697
Fullerton$1,661
Gackle$1,697
Galesburg$1,625
Gardner$1,553
Garrison$1,793
Gilby$1,637
Gladstone$1,817
Glasston$1,733
Glen Ullin$1,829
Glenburn$1,829
Glenfield$1,745
Golden Valley$1,817
Golva$1,793
Goodrich$1,805
Grace City$1,757
Grafton$1,769
Grand Forks$1,541
Grand Forks AFB$1,541
Grandin$1,577
Granville$1,817
Grassy Butte$1,853
Grenora$1,841
Gwinner$1,577
Hague$1,757
Halliday$1,829
Hamilton$1,745
Hampden$1,745
Hankinson$1,577
Hannaford$1,673
Hannah$1,721
Hansboro$1,769
Harvey$1,829
Harwood$1,493
Hatton$1,649
Havana$1,577
Hazelton$1,733
Hazen$1,805
Hebron$1,865
Hensel$1,733
Hettinger$1,841
Hillsboro$1,649
Hoople$1,757
Hope$1,601
Horace$1,469
Hunter$1,541
Hurdsfield$1,769
Inkster$1,661
Jamestown$1,541
Jessie$1,709
Jud$1,661
Karlsruhe$1,805
Kathryn$1,601
Keene$1,841
Kenmare$1,877
Kensal$1,649
Killdeer$1,829
Kindred$1,541
Kintyre$1,769
Knox$1,793
Kramer$1,781
Kulm$1,673
Lakota$1,781
LaMoure$1,685
Langdon$1,733
Lankin$1,757
Lansford$1,805
Larimore$1,697
Lawton$1,745
Leeds$1,757
Lefor$1,793
Lehr$1,685
Leonard$1,553
Lidgerwood$1,589
Lignite$1,841
Lincoln$1,697
Linton$1,757
Lisbon$1,577
Litchville$1,661
Luverne$1,589
Maddock$1,769
Maida$1,733
Makoti$1,853
Mandan$1,697
Mandaree$1,841
Manning$1,829
Mantador$1,589
Manvel$1,625
Mapleton$1,493
Marion$1,673
Marmarth$1,853
Marshall$1,793
Martin$1,805
Max$1,805
Maxbass$1,817
Mayville$1,625
McClusky$1,817
Mcgregor$1,817
McHenry$1,733
Mcleod$1,577
McVille$1,769
Medina$1,613
Medora$1,769
Mekinock$1,589
Menoken$1,673
Mercer$1,745
Michigan$1,769
Milnor$1,577
Milton$1,733
Minnewaukan$1,769
Minot$1,697
Minot AFB$1,673
Minto$1,745
Moffit$1,685
Mohall$1,853
Montpelier$1,601
Mooreton$1,577
Mott$1,829
Mountain$1,733
Munich$1,733
Mylo$1,769
Napoleon$1,709
Neche$1,745
Nekoma$1,733
New England$1,817
New Leipzig$1,853
New Rockford$1,745
New Salem$1,829
New Town$1,877
Newburg$1,805
Niagara$1,709
Nome$1,601
Noonan$1,829
Northwood$1,661
Norwich$1,793
Oakes$1,649
Oberon$1,769
Oriska$1,589
Osnabrock$1,733
Page$1,577
Palermo$1,853
Park River$1,745
Parshall$1,865
Pekin$1,757
Pembina$1,757
Penn$1,745
Perth$1,769
Petersburg$1,769
Pettibone$1,757
Pillsbury$1,637
Pingree$1,637
Pisek$1,769
Plaza$1,865
Portal$1,853
Portland$1,649
Powers Lake$1,829
Raleigh$1,853
Ray$1,853
Reeder$1,829
Regan$1,697
Regent$1,829
Reynolds$1,625
Rhame$1,829
Richardton$1,793
Riverdale$1,745
Robinson$1,757
Rocklake$1,769
Rogers$1,601
Rolette$1,781
Rolla$1,781
Roseglen$1,829
Ross$1,841
Rugby$1,805
Ruso$1,805
Rutland$1,577
Ryder$1,877
Saint Anthony$1,877
Saint John$1,781
Saint Michael$1,781
Sanborn$1,589
Sarles$1,745
Sawyer$1,841
Scranton$1,817
Selfridge$1,901
Sentinel Butte$1,793
Sharon$1,613
Sheldon$1,589
Shell Valley$1,793
Sherwood$1,865
Sheyenne$1,745
Shields$1,877
Solen$1,877
Souris$1,769
South Heart$1,769
Spiritwood$1,601
St. Thomas$1,745
Stanley$1,841
Stanton$1,793
Starkweather$1,745
Steele$1,745
Sterling$1,697
Stirum$1,589
Strasburg$1,769
Streeter$1,613
Surrey$1,769
Sutton$1,709
Sykeston$1,769
Tappen$1,745
Taylor$1,829
Thompson$1,637
Tioga$1,817
Tokio$1,769
Tolley$1,841
Tolna$1,769
Tower City$1,565
Towner$1,805
Trenton$1,793
Turtle Lake$1,769
Tuttle$1,745
Underwood$1,733
Upham$1,805
Valley City$1,589
Velva$1,793
Verona$1,661
Voltaire$1,817
Wahpeton$1,565
Walcott$1,577
Wales$1,733
Walhalla$1,757
Warwick$1,781
Washburn$1,745
Watford City$1,853
Webster$1,745
West Fargo$1,421
Westhope$1,793
Wheatland$1,553
White Earth$1,841
Wildrose$1,841
Williston$1,757
Willow City$1,769
Wilton$1,745
Wimbledon$1,601
Wing$1,709
Wishek$1,697
Wolford$1,793
Woodworth$1,637
Wyndmere$1,577
York$1,793
Ypsilanti$1,601
Zahl$1,841
Zap$1,817
Zeeland$1,697

Cheap auto insurance in North Dakota with bad credit

Company Avg. Annual Premium
USAA $1,697
American Family $1,931
Farmers $2,305
State Farm $2,788
Allstate $2,831
Progressive $3,115
The General $3,139
Auto-Owners Insurance Co $3,692

North Dakota auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,565 1% $10
One Med/PIP claim $1,585 2% $29
Not-at-fault accident $1,618 4% $63
One comp claim $1,640 6% $85
Two Med/PIP claims $1,653 7% $97
Failure to show documents $1,706 10% $150
Two comp claims $1,742 12% $187
Driving with expired registration $1,756 13% $201
Failure to wear a seat belt $1,774 14% $219
Child safety restraint $1,784 15% $228
Driving without lights $1,784 15% $228
Speeding in school zone $1,816 17% $260
Driving too slowly $1,816 17% $261
Cell phone violation $1,854 20% $299
Texting while driving $1,854 20% $299
Speeding 6 - 10 MPH over limit $1,861 20% $305
Illegal turn $1,870 21% $315
Following too closely $1,871 21% $315
Failure to yield $1,871 21% $315
Failure to stop at a red light $1,871 21% $315
Speeding 11 - 15 MPH over limit $1,880 21% $324
Speeding 16 - 20 MPH over limit $1,895 22% $340
Speeding 21 - 25 MPH over limit $1,895 22% $340
Wrong way/wrong lane $1,911 23% $356
Improper passing $1,938 25% $383
Passing school bus $1,964 27% $409
At-fault accident - less than $1000 $2,010 30% $455
In 65 MPH zone $2,013 30% $457
Operating a vehicle without permission $2,083 34% $528
At-fault accident - $1000-$2000 $2,114 36% $558
At-fault accident - greater than $2000 $2,143 38% $588
Open container $2,217 43% $662
Driving with a suspended license $2,630 69% $1,074
Refusal to submit to a chemical test $2,764 78% $1,208
Reckless driving $2,782 79% $1,226
DUI $2,896 87% $1,340
Racing $2,909 87% $1,354
Leaving scene of an accident/hit and run $2,976 92% $1,420

Car insurance price trends in North Dakota

Year Avg. Annual Premium - North Dakota Yearly Change - North Dakota Avg. Annual Premium - US Yearly Change - US
2021 $1,327 $5 $1,519 $56
2020 $1,332 -$87 $1,473 -$51
2019 $1,429 $72 $1,554 $33
2018 $1,367 -$429 $1,531 $94
2017 $1,806 $224 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $206 $1,290 $61
2014 $1,679 $145 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $313 $1,286 $92

How to find the Best Car Insurance in North Dakota

Way.com recommends that all drivers consider the following details when purchasing car insurance.

Consider your requirements: Shop around for the most cost-effective coverage options. Pay close attention to the specifics of any auto insurance policy offer you consider, and spend time researching the deductible and premium options that are best suited to your car type. Consider the monetary value of your car and whether you require full coverage or only liability coverage.

Consider state laws: In North Dakota, drivers must have auto insurance to drive a car legally. If you want to drive a car in North Dakota, you must carry the bare minimum of insurance. You will not be covered for damages caused by other drivers if you do not have comprehensive collision coverage.

How to Get Discounts on Car Insurance in North Dakota

Most North Dakota car insurance companies offer various discounts to their insured drivers. Drivers in North Dakota can take advantage of various car insurance discounts. Inquire with an insurance agent about the various discounts available to you, such as home and auto policy bundle discounts.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

Is car insurance mandatory in North Dakota?

Under North Dakota law, all cars must have the following minimum insurance coverages: Bodily injury: $25,000 per person and $50,000 per accident. Uninsured motorists: $25,000 per person and $50,000 per accident. Underinsured motorists face a $25,000 fine per person and a $50,000 fine per accident.

What is the car insurance requirements in North Dakota?

The following are the North Dakota auto insurance requirements:

Injury to the body: $25,000 per person and $50,000 per accident.

Damage to property: $25,000 per accident.

Uninsured motorists face fines of $25,000 per person and $50,000 per accident. Underinsured motorists face a $25,000 fine per person and a $50,000 fine per accident.

Who has the cheapest car insurance in North Dakota?

USAA has the cheapest car insurance for minimum and full coverage. But it is available only for military personnel. For non-military personnel American Family Insurance is the cheapest car insurance for minimum and full coverage.

Is car insurance cheap in North Dakota?

North Dakota auto insurance is reasonably priced. North Dakota's average auto insurance rate is $1152 per year, 13.8% less than the national average. Your car insurance rates are influenced by factors other than geography.

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Learn more by city and state for car insurance




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