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Cheapest car insurance in North Dakota for 2023
According to Bankrate’s research, Nodak and USAA offer some of the cheapest coverage options in North Dakota.
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What To Know First
Based on our research, Nodak and USAA offer some of the cheapest rates for minimum and full coverage car insurance in North Dakota. For families with children learning to drive, the cheapest company for adding a teen driver is North Star Mutual. Still, our analysis goes beyond price. The insurance editorial team — which includes licensed agents — created the Bankrate Scoring model, which rates insurance companies on a five-point scale. Scores consider several factors, including average rates from Quadrant Information Services, financial strength ratings from AM Best, customer satisfaction scores from J.D. Power, coverage availability and more.
- Cheapest company for minimum coverage: Nodak
- Cheapest company for full coverage: USAA
- Cheapest company for adding a teen driver: North Star Mutual
- Cheapest company after a speeding ticket conviction: Nodak
- Cheapest company after an at-fault accident: Nodak
- Cheapest company after a high-risk incident: Nodak
On This Page
- The cheapest car insurance companies in North Dakota
- The cheapest car insurance companies in North Dakota by coverage level
- Cheapest cities in North Dakota for car insurance
- Factors that impact rates in North Dakota
- Minimum coverage requirements for North Dakota drivers
- How to get the cheapest car insurance in North Dakota
- Car insurance discounts in North Dakota
- Frequently asked questions
The cheapest car insurance companies in North Dakota
There are several contenders when looking for the cheapest car insurance in North Dakota. The company that offers you the best rates will depend on several variables like your age, driving record, type of vehicle and more. When choosing affordable companies to include on our list, we analyzed average premiums based on proprietary data from Quadrant Information Services, customer satisfaction scores from J.D. Power, financial strength ratings from AM Best and S&P, as well as other factors. Our assessment revealed that you may want to consider the following companies for cheap car insurance in North Dakota:
Compare auto insurance rates
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com 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.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com 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 company in North Dakota for minimum coverage
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Nodak | $13 | $156 |
Cheapest car insurance in North Dakota for full coverage
| Average monthly full coverage premium | Average annual full coverage premium | |
|---|---|---|
| USAA | $79 | $950 |
Cheapest car insurance company for adding a teen driver
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| North Star Mutual | $28 | $339 |
Cheapest company for getting a speeding ticket in North Dakota
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Nodak | $16 | $186 |
Cheapest company for being in an at-fault accident in North Dakota
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Nodak | $17 | $204 |
Cheapest company after a high-risk incident in North Dakota
| Average monthly minimum coverage premium | Average annual minimum coverage premium | |
|---|---|---|
| Nodak | $20 | $244 |
The cheapest car insurance companies in North Dakota by coverage level
The level of coverage you want will impact not only how much you pay but also which company offers you the most affordable car insurance rates in North Dakota. On average, full coverage in ND costs $1,302 per year, while minimum coverage costs $269 per year. While minimum coverage is all that’s required by law, full coverage car insurance typically equates to more financial protection.
The tables below highlight cheap insurance in North Dakota for minimum and full coverage:
| Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
|---|---|---|---|
|
Nodak
|
Average monthly minimum coverage premium
$13
|
Average annual minimum coverage premium
$156
|
Annual savings vs. State average*
- $113 |
|
North Star Mutual
|
Average monthly minimum coverage premium
$16
|
Average annual minimum coverage premium
$195
|
Annual savings vs. State average*
- $74 |
|
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$16
|
Average annual minimum coverage premium
$195
|
Annual savings vs. State average*
- $74 |
|
Farmers
3.8
Bankrate Score
|
Average monthly minimum coverage premium
$17
|
Average annual minimum coverage premium
$200
|
Annual savings vs. State average*
- $69 |
|
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$20
|
Average annual minimum coverage premium
$234
|
Annual savings vs. State average*
- $35 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com 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.
*Based on policies with minimum coverage for 2023
| Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
|---|---|---|---|
|
USAA
4.3
Bankrate Score
|
Average monthly full coverage premium
$79
|
Average annual full coverage premium
$950
|
Annual savings vs. State average*
- $352 |
|
Amco Insurance
|
Average monthly full coverage premium
$85
|
Average annual full coverage premium
$1,019
|
Annual savings vs. State average*
- $283 |
|
Nationwide
3.9
Bankrate Score
|
Average monthly full coverage premium
$85
|
Average annual full coverage premium
$1,019
|
Annual savings vs. State average*
- $283 |
|
Farmers
3.8
Bankrate Score
|
Average monthly full coverage premium
$91
|
Average annual full coverage premium
$1,091
|
Annual savings vs. State average*
- $211 |
|
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$94
|
Average annual full coverage premium
$1,132
|
Annual savings vs. State average*
- $170 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com 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.
*Based on policies with full coverage for 2023
Cheapest cities in North Dakota for car insurance
Average car insurance rates vary by location, among other things. Which city you live in — and even your zip code within a city — can have an impact on your premium. The table below highlights average rates for both minimum and full coverage within five of the most populous cities in North Dakota:
| City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
|---|---|---|---|
| Wishek | $257 | Nodak | $146 |
| Zeeland | $257 | Nodak | $146 |
| Lehr | $257 | Nodak | $146 |
| Glen Ullin | $258 | Nodak | $128 |
| Milnor | $258 | Nodak | $132 |
| City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
|---|---|---|---|
| Grand Forks | $1,149 | Geico | $867 |
| Grand Forks AFB | $1,157 | USAA | $760 |
| Horace | $1,167 | Farmers | $909 |
| Harwood | $1,177 | Amco | $933 |
| Casselton | $1,178 | Nationwide | $933 |
Factors that impact cheap rates in North Dakota
Several variables can impact auto insurance premiums in North Dakota. Two of the most impactful are your age and driving record. The sections below highlight average rates across affordable providers based on various driver profiles:
Insuring a teen driver
Teen drivers typically face some of the highest average premiums of any driving demographic because of their inexperience, which may lead to a higher likelihood of being involved in an accident. In general, young drivers are cheaper to insure on a parent's policy than on their own, and most often, drivers younger than 18 must be on a parent's policy.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| North Star Mutual | $339 | $2,204 |
| Nodak | $341 | $2,636 |
| Amco Insurance | $470 | $1,499 |
| Nationwide | $470 | $1,499 |
| Geico | $479 | $2,119 |
Getting a speeding ticket
Being convicted of a speeding ticket in North Dakota will lead to rate increases. When drivers are charged with exceeding the speed limit, insurance companies see them as a greater risk to insure.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Nodak | $186 | $1,438 |
| USAA | $231 | $1,136 |
| Farmers | $241 | $1,415 |
| Geico | $273 | $1,321 |
| North Star Mutual | $283 | $2,049 |
Getting into an at-fault accident
Being at fault for an auto accident is another situation that can have a negative impact on your premiums. At-fault drivers may face significant rate increases.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Nodak | $204 | $1,581 |
| Farmers | $291 | $1,512 |
| USAA | $291 | $1,374 |
| Amco Insurance | $315 | $1,019 |
| Nationwide | $315 | $1,019 |
Being deemed a high-risk driver
In general, high-risk drivers are those who have committed a severe traffic violation — like being charged with a DUI — or who have been convicted of several lesser violations. Finding car insurance as a high-risk driver can be difficult depending on the violation(s) committed. DUIs are seen as the most severe of these infractions.
| Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|---|
| Nodak | $244 | $1,892 |
| Farmers | $276 | $1,483 |
| American Family | $353 | $2,321 |
| State Farm | $394 | $1,705 |
| Progressive | $401 | $1,412 |
Minimum coverage for North Dakota drivers
North Dakota requires all drivers to carry car insurance that meets or exceeds specific coverage limits. The average cost of minimum coverage auto insurance in North Dakota is $269 per year. Minimum insurance policies must include the following:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist coverage: $25,000 per person and $50,000 per accident
- Underinsured motorist coverage: Equal to the uninsured motorist coverage amount
- Basic no-fault: $30,000 per person
Most financial experts and car insurance professionals recommend clients carry considerably more coverage than the minimum amount required by law. The cost of an accident — especially a serious one — can quickly add up to hundreds of thousands of dollars in many cases. While full coverage limits may vary by company, in North Dakota, full coverage costs an average of $1,302 per year.
How to get the cheapest car insurance in North Dakota
To save on car insurance in North Dakota, you can try several things. A few possible strategies include:
Shopping around
Obtaining free quotes from multiple car insurance companies can help you to identify which will offer you cheap North Dakota car insurance. Make sure to specify the same types of coverage and policy limits, though, or the comparisons may not be valid.
Look for discounts
Insurers often offer discounts to eligible drivers. Check your insurance provider's website or speak with an agent to determine which discounts you may be eligible for in North Dakota.
Improve your credit score
Your credit history can have a significant impact on car insurance rates. Working toward a better credit score may ultimately result in car insurance savings in North Dakota.
Car insurance discounts in North Dakota
As mentioned, North Dakota drivers may qualify for discounts on car insurance depending on their individual circumstances. While the discounts mentioned below are common, details vary by company.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 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.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.