Cheapest car insurance in North Dakota for 2025

Several companies qualify as contenders when looking for the cheapest car insurance in North Dakota. 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 data indicates that the average rates for car insurance in North Dakota are $401 per year for state-mandated minimum coverage and $1,819 per year for full coverage, which includes collision and comprehensive coverage.

Key takeaways

• Cheapest company for minimum coverage: USAA
• Cheapest company for full coverage: American Family
• Cheapest company for drivers with prior incidents: USAA
• Cheapest company for young drivers: North Star Mutual

Most states require drivers to carry at least a minimum level of car insurance coverage on their vehicle. North Dakota is no exception. In some states, minimum coverage consists of liability only, but North Dakota also requires uninsured motorist coverage and personal injury protection since it is a no-fault state. Based on our research, the cheapest car insurance in North Dakota for minimum coverage is USAA. However, this provider only offers coverage to active-duty military, veterans and their families. Finding the best cheap car insurance in ND for your own needs is best done by shopping around and asking for quotes from a range of insurers to see who gives you the best deal.

Minimum coverage requirements 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 $401 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. Liability coverage only covers the cost to another driver’s person or property, leaving you to cover the cost of your own vehicle’s repairs if you are found responsible for the accident. The cost of an accident — especially a serious one — can quickly add up to hundreds of thousands of dollars in many cases when you consider medical expenses. While full coverage limits may vary by company, in North Dakota, full coverage costs an average of $1,819 per year.

Full coverage refers to your state's minimum required insurance plus optional collision and comprehensive coverage. These coverage types help pay for damage to your own car following a covered accident or other vehicle incident. In North Dakota, American Family, Nationwide, USAA, Geico and Nodak have the cheapest rates for full coverage.

The average rates listed above are for drivers with a clean driving record. If you have infractions on your license, your insurer is likely to increase your rates to compensate for its increased risk. Moving violations such as tickets, an at-fault accident or a DUI typically lead to higher premium rates until the infraction drops off your record.

• Cheapest car insurance for drivers with a ticket: USAA
• Cheapest car insurance for drivers with an at-fault accident: American Family
• Cheapest car insurance for high-risk drivers: American Family

Cheapest insurance companies for drivers in North Dakota with a speeding ticket: USAA

Being convicted of a speeding ticket in North Dakota is likely to lead to rate increases. When drivers are charged with exceeding the speed limit, insurance companies see them as a greater risk to insure. In ND, USAA offers the cheapest average rate for drivers with a speeding ticket who want minimum coverage and American Family for full coverage.

Cheapest car insurance for drivers in North Dakota with an at-fault accident: American Family

Being at fault for an auto accident is another situation that can negatively impact your premiums. At-fault drivers may face significant rate increases. North Dakota drivers who have been in an accident may want to consider American Family for minimum coverage and American Family for full coverage.

Cheapest rates in North Dakota for high-risk drivers: American Family

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. American Family may be the cheapest option for drivers who are considered high-risk who want minimum coverage.

If you have a young driver in your family or you are a teen driver, it may be more challenging to find cheap car insurance in North Dakota. Because less experienced drivers are more likely to be involved in a serious accident, insurance companies often raise their rates until about age 25.

• Cheapest car insurance for insuring a teen driver: North Star Mutual
• Cheapest car insurance for teens with a ticket: Nodak
• Cheapest car insurance for teens with an at-fault accident: American Family
• Cheapest car insurance for young drivers with a DUI: American Family

Cheapest North Dakota car insurance for insuring a teen driver: North Star Mutual

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 typically be on a parent's policy. Teen drivers can save money, however, by looking for insurers who have teen discounts and discounts for students. They are also most likely to earn affordable rates if they have a clean driving record with no infractions.

Cheapest North Dakota car insurance for teens with a ticket: Nodak

As is true for adults, a teen who earns a speeding ticket will typically see an increase in their premium at renewal. In North Dakota, Nodak offers the lowest average premium for a teen with a ticket for minimum coverage. The rates below are based on an 18-year-old driver on their own policy.

Cheapest North Dakota car insurance for teens with an at-fault accident: American Family

Teens are statistically more likely to be in an accident than any other age group. Teens who have had an accident can expect to pay a higher rate for their policy, although companies such as American Family offer more affordable rates for minimum coverage. The rates below are based on an 18-year-old driver on their own policy.

Cheapest North Dakota car insurance for young drivers with a DUI: American Family

A DUI may be the most serious moving violation for a driver to earn. In addition to the civil penalties that this conviction will carry, they are also likely to see a significant increase in their policy rate. The companies below all feature lower average rates for young drivers with a DUI, with American Family at the top of the list for minimum coverage. The rates below are based on a 21-year-old driver on their own policy.

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.

• Young driver discounts: Insurance companies may offer discounts to young drivers who maintain a certain GPA in school.
• Safe driver discounts: Many insurance companies offer discounts to drivers who go three or more years without committing a traffic violation.
• Bundling discounts: Drivers who get both homeowners and car insurance from the same company may get a discount on both policies. You may also enjoy lower rates with a multiple-vehicle discount.
• Professional association discounts: Some car insurance companies offer discounts to drivers who have a membership with certain professional associations or are employed by specific companies.
• Low mileage discounts: If you work from home, you may be able to lower your car insurance rates by letting your insurer know you don’t commute to an office during high-traffic time periods.
• Other discounts: Other common discounts that you may find in North Dakota include defensive driving course discounts, safety device discounts and pay-in-full discounts.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.