Powered by Coverage.com (NPN: 19966249)
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 car insurance in North Dakota for 2024
According to Bankrate’s research, Nodak and USAA offer some of the cheapest coverage options in North Dakota.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
The cheapest car insurance companies in North Dakota
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 $364 per year for state-mandated minimum coverage and $1,722 per year for full coverage, which includes collision and comprehensive coverage.
Key takeaways
- Cheapest company for minimum coverage: Nodak
- Cheapest company for full coverage: USAA
- Cheapest company for drivers with prior incidents: Geico
- Cheapest company for young drivers: North Star Mutual
Cheapest car insurance in North Dakota for minimum coverage
Almost every state has a certain amount of minimum coverage required in order to drive legally, and North Dakota is no exception. In some states, this 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 Nodak. 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.
Insurance Company | Average monthly premium | Average annual premium | Savings vs state avg. for min coverage |
---|---|---|---|
Nodak
|
$17
|
$205
|
- $159 |
$18
|
$213
|
- $151 |
|
North Star Mutual
|
$18
|
$217
|
- $147 |
$19
|
$232
|
- $132 |
|
$29
|
$343
|
- $21 |
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 $364 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 $1,722 per year.
Cheapest car insurance in North Dakota for full coverage
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, USAA has the cheapest rates for full coverage.
Insurance Company | Average monthly premium | Average annual premium | Savings vs state avg. for min coverage |
---|---|---|---|
$87
|
$1,049
|
- $673 |
|
$102
|
$1,220
|
- $502 |
|
$124
|
$1,485
|
- $237 |
|
North Star Mutual
|
$140
|
$1,681
|
- $41 |
Nodak
|
$144
|
$1,724
|
+ $2 |
Cheapest car insurance in North Dakota for drivers with prior incidents
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: Geico
- Cheapest car insurance for drivers with an at-fault accident: Nodak
- Cheapest car insurance for high-risk drivers: Nodak
Cheapest insurance companies for drivers in North Dakota with a speeding ticket: Geico
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. Geico offers the cheapest average rate for drivers with a speeding ticket who want minimum coverage.
Insurance Company | Avg. annual min coverage premium | Avg. annual full coverage premium |
---|---|---|
$239
|
$1,248
|
|
Nodak
|
$247
|
$2,061
|
North Star Mutual
|
$252
|
$1,970
|
$254
|
$1,247
|
|
$392
|
$2,132
|
Cheapest car insurance for drivers in North Dakota with an at-fault accident: Nodak
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 Nodak for minimum coverage.
Cheapest rates in North Dakota for high-risk drivers: Nodak
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. Nodak's rates may be the cheapest option for drivers who are considered no-risk.
Insurance Company | Avg. annual min coverage premium | Avg. annual full coverage premium |
---|---|---|
Nodak
|
$324
|
$2,683
|
$500
|
$1,663
|
|
$503
|
$2,601
|
|
$514
|
$2,524
|
|
North Star Mutual
|
$645
|
$5,289
|
Bankrate’s take: If you have a DUI conviction on your license, you have already dealt with civil penalties and may have seen your insurance premium rates increase. In some cases, however, you may have to switch to another carrier because there are some insurance companies, like State Farm, that will not write policies for drivers with a DUI. If you’re currently insured with a company that does not write policies for drivers with a DUI, you will need to shop around for new coverage after your DUI conviction.
Cheapest car insurance for young drivers in North Dakota
If you have a young driver in your family, or you are a teen driver, you have probably already realized that it can be a challenge to find cheap car insurance in North Dakota. Age is one of the factors that insurers consider when assigning premium rates, and since young drivers are at a higher risk of being involved in accidents, their rates tend to be high.
- 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: Nodak
- Cheapest car insurance for young drivers with a DUI: Nodak
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 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.
Insurance Company | Avg. annual min coverage premium | Avg. annual full coverage premium |
---|---|---|
North Star Mutual
|
$382
|
$2,698
|
Nodak
|
$446
|
$3,754
|
$448
|
$2,200
|
|
$629
|
$2,708
|
|
Grinnell Mutual
|
$657
|
$4,218
|
Bankrate’s take: Teen drivers are generally new drivers, with less experience behind the wheel than older individuals, and their inexperience can result in traffic accidents. They are also more likely to engage in risky behaviors such as texting while driving, which can also lead to collisions. Both of these reasons put them in a higher-risk category for insurers. Since insurers are in the business of minimizing risk, it follows that they will protect themselves from the cost of high claims by charging more for policies for young drivers. Our rates for insuring a teen reflect the cost of a married couple’s policy with a 16-year-old driver added.
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 rate at renewal. In North Dakota, Nodak offers the lowest average premium for a teen with a ticket. 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: Nodak
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 Nodak offer affordable rates to drivers in this situation.
Bankrate’s take: If you have a teen driver on your policy, you may want to consider adding optional accident forgiveness coverage if your carrier offers it. Many insurers automatically increase premium rates for policyholders who have been in an accident. An accident forgiveness endorsement "forgives" one accident so that the rate does not increase following the first at-fault collision. There may be some restrictions on this coverage, so ask your insurance agent if it might be a good choice for you.
Cheapest North Dakota car insurance for young drivers with a DUI: Nodak
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 Nodak at the top of the list.
Insurance Company | Avg. annual min coverage premium | Avg. annual full coverage premium |
---|---|---|
Nodak
|
$562
|
$4,148
|
$683
|
$2,612
|
|
$711
|
$3,723
|
|
$797
|
$4,054
|
|
$836
|
$4,280
|
Cheapest car insurance rates by city in North Dakota
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 tables below highlight average rates for minimum coverage in some of North Dakota's cities:
Cheapest cities in North Dakota for car insurance
City | City average annual min coverage premium | Cheapest car insurance carrier | Company average annual premium |
---|---|---|---|
Glen Ullin
|
City average annual min coverage premium
$343
|
Cheapest car insurance carrier
Nodak
|
Company average annual premium
$161
|
Lehr
|
City average annual min coverage premium
$346
|
Cheapest car insurance carrier
Nodak
|
Company average annual premium
$184
|
Milnor
|
City average annual min coverage premium
$347
|
Cheapest car insurance carrier
Nodak
|
Company average annual premium
$170
|
Wishek
|
City average annual min coverage premium
$346
|
Cheapest car insurance carrier
Nodak
|
Company average annual premium
$184
|
Zeeland
|
City average annual min coverage premium
$345
|
Cheapest car insurance carrier
Nodak
|
Company average annual premium
$184
|
Cheapest car insurance in larger cities in North Dakota
City | City average annual min coverage premium | Cheapest car insurance carrier | Company average annual premium |
---|---|---|---|
Dickinson
|
City average annual min coverage premium
$361
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$211
|
Williston
|
City average annual min coverage premium
$373
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$209
|
Bismarck
|
City average annual min coverage premium
$394
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$216
|
Grand Forks
|
City average annual min coverage premium
$399
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$213
|
Minot
|
City average annual min coverage premium
$406
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$202
|
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.
- 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.
- 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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate increases filed by insurance companies and are weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Teens: Rates were determined by adding a 16-year-old teen to a 40-year-old married parent’s policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Age: Rates were calculated by evaluating our base profile with the ages 18 and 21 applied. Drivers are renters on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.