Skip to Main Content
Powered by (NPN: 19966249), LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in North Dakota for 2023

Updated Feb 02, 2023
Find cheaper car insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Lock Secure Your information is secure
Select from a variety of trusted carriers
Get matched with personalized offers
Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate.
Insurance Auto
Choose the best policy for you
Compare your options from carriers who want to work with you, and select as many offers as you’d like.
Finalize your rate and policy details
Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That’s it!

Compare rates and save on auto insurance today!

Close X

North Dakota is one of the least populated states in the U.S. The average cost of car insurance in North Dakota is $278 for liability coverage and $1,264 for full coverage. The North Dakota Department of Transportation stated that the number of traffic fatalities in the state has been decreasing since 2012. There were only 100 deaths related to car crashes in 2019, compared to 105 in 2018.

The cheapest car insurance in North Dakota

There is a wide selection of auto insurance companies in North Dakota that provide affordable coverage to a variety of drivers, both single and married, young and old and those with clean records versus those who have accumulated a few points. The top 5 carriers below are the cheapest carriers with a large market share in the state.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Nodak $164 $1,294
USAA $180 $815
Farmers $188 $990
Geico $241 $1,122
American Family $263 $819


Nodak only offers vehicle insurance for North Dakota drivers. The local insurance company can focus on servicing its friends, neighbors and community members by providing the cheapest auto insurance in North Dakota. To keep premiums low, policyholders can opt for accident forgiveness, which gives drivers a break to save them from an increase in vehicle coverage if they cause an accident.


This insurance company is dedicated exclusively to providing affordable insurance of all types to members of the U.S. military and its veterans. The relatively low number of traffic fatalities in the state allows it to offer affordable car insurance to anyone who is or was in the military with a clean driving record.

In addition to all of the standard types of auto insurance policies, USAA also offers roadside assistance plans, rental reimbursement, accident forgiveness insurance, guaranteed asset protection (GAP) insurance and car replacement assistance (CRA) coverage.

Learn more: USAA Insurance Review

Farmers Insurance

Farmers offers affordable car insurance to drivers. It has coverage options like new car replacement, towing and roadside assistance and roadside assistance. People looking for cheap car insurance can look into discounts for things like being a good student, bundling insurance policies and using its Signal app that monitors driving habits.

Learn more: Farmers Insurance Review


This well-known insurance company was ranked second in its region in the J.D. Power 2020 Satisfaction Study. It scored an impressive 855 out of 1,000 points in the survey. A.M. Best also gives Geico a financial strength ranking of A++. Geico offers a complete range of auto insurance policies to North Dakota residents and discounts for military, multiple vehicles, multiple policies, federal employees, safety features, good students and good drivers.

Learn more: Geico Insurance Review

American Family

American Family has a variety of car insurance coverages for every driver’s need. Besides the standard coverages such as liability, comprehensive and collision, you can add rideshare insurance, gap coverage, emergency roadside assistance and more. Teens, who often pay the most for car insurance, can sign up for discounts when they enroll for driver tracking through the American Family mobile app.

Learn more: American Family Insurance Review

Minimum coverage for North Dakota drivers

If you live and drive in North Dakota, the state requirements for the minimum amount of car insurance you can carry are:

  • Bodily injury liability: $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident).
  • Property damage liability: $25,000 per accident.
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident.
  • Underinsured motorist coverage: underinsured motorist coverage must be equal to the uninsured motorist coverage.
  • Basic no-fault: $30,000 per person.

Most financial planners and car insurance agents recommend that their clients carry considerably more coverage than the minimum amount required by law. The costs of an accident, especially a serious one, can quickly add up to hundreds of thousands of dollars in many cases.

How to get cheap car insurance in North Dakota

There are several things that you can do to lower your car insurance premiums if you live in North Dakota. A few of these possibilities include:

  • Shopping around to compare quotes from several different providers to see where you can get the best deal
  • Taking advantage of discounts because most insurers will offer discounts for various reasons such as being a safe driver, taking a driving course, getting good grades, using modern safety equipment and bundling your home and auto insurance.
  • Improving your credit score.
  • Raising your deductibles if you can establish an emergency fund that has at least as much cash as your deductibles.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cynthia Paez Bowman
Personal Finance Contributor

Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN,, and

Edited by Insurance Editor