The cheapest car insurance companies in North Dakota are State Farm, GEICO, and Auto-Owners. The difference between the cheapest and most expensive car insurance in North Dakota is $1,274 per year, so it pays to compare quotes.
Cheap car insurance in North Dakota isn’t that hard to find. In fact, the state ranked 6th in our national cheap car insurance study, so there aren’t many places in the country where you can find cheaper rates. Insurance in North Dakota is affordable in part because the state has one of the lowest population densities in the U.S.—just 11 residents per square mile. This means fewer cars on the road, fewer accidents, smaller insurance payouts, and more reasonable car insurance rates.
North Dakota drivers also tend to be pretty responsible. The state boasts a low uninsured driver rate, with just 7% of drivers going without insurance. And since it’s a no-fault state, North Dakota drivers tend to avoid going to court and filing lawsuits to be compensated after car accidents. In no-fault states like North Dakota, drivers file claims with their own insurance company to resolve them quickly and without the need to sue. Although no-fault laws have caused rates to spike in some states, it has helped to keep rates low in North Dakota.
Even though car insurance in North Dakota tends to be pretty cheap, drivers should still shop around for the best rates. The average difference between the highest and lowest quotes for the same full coverage policy is $11,901 per year in North Dakota, for example, so drivers who shop around can potentially save a lot. To make it easier, WalletHub analyzed quotes from all major insurance companies using multiple driver profiles and zip codes. You can check out our recommendations below, as well as compare the cheapest options to the best overall car insurance companies in North Dakota to make sure you find the right fit for your particular needs.
Cheapest Insurance Rates by Category
Cheap for Good Drivers
Cheap for Full Coverage
Cheap for Speeding Ticket
Cheap for One At-Fault Accident
Cheap for Poor Credit
Cheap for Young Drivers
Cheap for Old Drivers
Cheap for Drivers with a DUI
Cheap for Married Drivers
Cheapest Car Insurance in North Dakota for Good Drivers
State Farm has the cheapest car insurance for most good drivers in North Dakota. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional discounts from their insurance company.
Cheapest Car Insurance in North Dakota for Full Coverage
Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.
After a speeding ticket, most drivers will see their insurance rates go up for 3-5 years. It’s important to keep in mind that each insurance company calculates rates differently, so you should always get multiple quotes in order to make sure that you get the best deal.
Cheapest Car Insurance in North Dakota for Drivers with One At-Fault Accident
One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you high-risk. Because of your higher rates, it is even more important to comparison shop.
Cheapest Car Insurance in North Dakota for Drivers with Poor Credit
A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
Cheapest Car Insurance in North Dakota for Young Drivers
Young, inexperienced drivers pay more for car insurance because they have yet to prove themselves responsible behind the wheel. Young drivers are also statistically more likely to get into an accident than middle-aged drivers. As a result, most drivers will see their rates drop as they age.
Cheapest Car Insurance in North Dakota for Older Drivers
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in North Dakota for Drivers with a DUI
Drivers who have a DUI on their record typically experience much higher rates than drivers with a clean driving record or people with a history of less severe violations. A DUI usually affects your insurance rates for 3-10 years, but the violation itself may stay on your driving record for much longer than that.
To identify the cheapest post-DUI insurance companies, WalletHub compared rates for a 45-year-old, single man, with minimum coverage, one DUI, and good credit across major insurers.
Cheapest Car Insurance in North Dakota for Married Drivers
Married drivers typically enjoy cheaper car insurance rates than drivers who are single. Auto insurance companies generally view drivers who are married as more responsible and less of a risk to insure. To help married drivers further reduce their insurance costs, WalletHub compared major insurance companies’ rates for a 45-year-old, married man with minimum coverage, a clean driving record, and good credit.
Cheapest Cities for Car Insurance in North Dakota
City
Premium
Increase vs. Cheapest City
Jamestown
$928
0.00%
Langdon
$935
0.80%
Lisbon
$944
1.70%
Valley City
$944
1.70%
Casselton
$945
1.80%
Grafton
$951
2.50%
Bottineau
$953
2.70%
Wahpeton
$954
2.80%
Horace
$955
2.90%
Oakes
$955
2.90%
Carrington
$957
3.10%
Harvey
$957
3.10%
Devils Lake
$959
3.30%
Rugby
$963
3.80%
Beulah
$967
4.20%
Dickinson
$968
4.30%
Hazen
$969
4.40%
Dunseith
$972
4.70%
Belcourt
$972
4.70%
Watford City
$976
5.20%
Fort Yates
$988
6.50%
Williston
$994
7.10%
West Fargo
$994
7.10%
Mandan
$994
7.10%
Grand Forks
$999
7.70%
New Town
$1,003
8.10%
Minot AFB
$1,007
8.50%
Bismarck
$1,008
8.60%
Minot
$1,013
9.20%
Fargo
$1,015
9.40%
The table above reflects the average annual cost of car insurance in North Dakota’s largest cities and towns.
Factors That Affect Car Insurance Premiums in North Dakota
Recap: Cheapest Auto Insurance Companies in North Dakota
The cheapest car insurance company in North Dakota is State Farm, which charges an average of $52 per month for state-minimum coverage. In addition to being the cheapest auto insurer for North Dakotans overall, it is the cheapest option for a number of specific categories, such as good drivers and drivers with speeding tickets.
For your convenience, we’ve summarized the cheapest companies overall below.
5 Tips for How to Get Cheap Car Insurance in North Dakota
1. Compare quotes from both national and regional insurers
In North Dakota, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, GEICO, and Travelers.
2. Know the factors affecting insurance in North Dakota
Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in North Dakota, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
3. Choose coverage that is right for you
You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in North Dakota. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
4. Search for discounts
Top car insurance companies in North Dakota have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
5. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. North Dakota drivers who don’t maintain continuous coverage pay an average of 4% more than those with five or more years of insurance history.
Video: Cheap Auto Insurance in North Dakota
Methodology for Selecting the Cheapest Auto Insurance in ND
WalletHub’s analysis of cheap car insurance companies in North Dakota is based on data from the North Dakota DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for North Dakota drivers in a collection of key categories. For each profile, WalletHub compared quotes among top North Dakota car insurance companies by averaging premiums from 30 zip codes that represent at least 20% of North Dakota's population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident
Clean
Miles Driven Per Year
7,500 Miles, 15,000 Miles, 20,000 Miles
15,000 Miles
Coverage Level
Minimum, Standard, Full
Minimum
Discounts
None, Multi-Policy, Homeowner, Student
None
Credit Level
Poor, Good
Good
Filings
None, SR22, FR44
None
Car
Sedan, Minivan, SUV, Coupe, Truck
Sedan
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability,as well as $25,000 in uninsured/underinsured motorist coverage per person, $50,000 in uninsured/underinsured motorist coverage per accident and $30,000 in personal injury protection, as required by North Dakota's minimum coverage requirements.
Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $30,000 of personal injury protection.
Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, and $30,000 of personal injury protection.
Sedan: 2018 Toyota Camry.
Minivan: 2018 Dodge Grand Caravan.
SUV: 2018 Toyota RAV4.
Coupe: 2018 Ford Mustang.
Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged North Dakota insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Questions & Answers
Finding the cheapest car insurance in North Dakota can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines.
North Dakota car insurance laws require bodily injury liability coverage of $25,000 per person ($50,000 per accident) and $25,000 of liability coverage for property damage.
The state also requires $25,000 per person and $50,000 per accident of bodily injury of uninsured and underinsured motorist coverage, and $30,000 of personal injury protection coverage.
The first two categories - bodily injury liability and property damage liability - cover injuries or damages that you accidentally cause with your car. Your car insurance pays up to the per-person or per-accident limit in each category. If you want additional coverage, you can choose higher limits than the ones required by North Dakota law.
uninsured and underinsured motorist coverage is protection for you, in the event that another driver hits your car but doesn't have insurance. Car insurance is required in North Dakota, but some drivers break the law and drive uninsured. An uninsured driver is still financially responsible for any damage they caused – but getting that money could be very difficult or time-consuming. uninsured and underinsured motorist insurance means you can repair your car or go to the hospital without worrying about where you'll get the money to pay your bills.
North Dakota has no-fault car insurance laws. Most states that require medical payment coverage are no-fault states. No-fault laws mean that, at least initially, each driver is responsible for their own medical bills – regardless of who caused the accident. That's when personal injury protection can come in handy for a driver if they're injured.
Since insurance is required by North Dakota law, you can face multiple penalties if you're caught driving without it, including fines, suspension of license and registration, and increased monitoring for three years. Another important North Dakota law to note is the grace period for new residents: When you move to North Dakota, you have 30 days to register your car. You'll need to bring proof of North Dakota car insurance when you go to register, with coverage in each of the categories listed below:
Minimum Coverage Required by North Dakota Car Insurance Laws:
Bodily injury liability: $25,000 per person / $50,000 per accident
Property damage liability: $25,000
Uninsured and Underinsured motorist insurance: $25,000 per person and $50,000 per accident of bodily injury
To get temporary car insurance in North Dakota, you will have to purchase a six month policy and cancel mid-policy when you no longer need coverage. You may have to pay a cancellation fee, depending on your insurer, but you can usually get a refund for any unused coverage time you've prepaid for.
The most affordable temporary car insurance coverage in North Dakota is from State Farm, which charges an average of $23 per month for state-minimum...
Car insurance in North Dakota is actually not very expensive compared to the national average, thanks to a low percentage of uninsured drivers and the state's low population density. In North Dakota, you can expect to pay approximately $3,381 per year for full coverage car insurance or $789 per year for minimum coverage. Car insurance in North Dakota is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
Drivers in North Dakota can get cheap car insurance with "no deposit" or "no down payment", but all that really means is you only have to pay the first month's premium to get coverage. You cannot get car insurance in North Dakota without paying something up front.
The average premium in North Dakota is about $282 per month for full coverage and around $66 per month for state-minimum coverage. Drivers in North Dakota should expect to pay...
You can register a car without insurance in North Dakota, although you still need insurance coverage to drive legally. North Dakota is one of a handful of states that allow you to register a newly-purchased car without insurance, along with Arizona, California, Iowa, Mississippi, New Hampshire, Tennessee, Virginia, Washington, and Wisconsin.
In North Dakota, you are required to have $25,000 in bodily injury liability coverage per person, up to $50,000 per accident, along with $25,000...
Car insurance usually follows the car in North Dakota. The types of car insurance that follow the car in North Dakota are collision, comprehensive, uninsured motorist protection, and property damage liability. You're required to carry property damage liability, personal injury protection, and uninsured motorist protection in North Dakota. PIP follows the driver, unlike liability and uninsured motorist coverage.
If you let someone borrow your car and they cause an accident in North Dakota, bodily...
North Dakota's new-car insurance grace period is 7 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy. If you don't already have a policy, you'll need to provide proof that you've purchased at least minimumcoverage before you can legally drive or register your car in North Dakota.
Full coverage insurance in North Dakota is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage. Full coverage in North Dakota also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,623 per year in North Dakota, while a state minimum policy costs $384 per year.
Drivers in North Dakota need to keep their SR-22 certification active with the state for 1+ consecutive years. In order to do so, drivers must maintain at least the minimum car insurance coverage required by North Dakota law: bodily injury insurance of at least $25,000 per person and $50,000 per accident, plus $25,000 of coverage for property damage. You also need $25,000 per person / $50,000 per accident of both uninsured and underinsured motorist coverage,...
Non-owner car insurance provides North Dakota's minimum car insurance coverage for people who don't own a car but drive often. In North Dakota, non-owner insurance can pay for injuries and property damage that you cause others, but it won't pay for damage to the borrowed car. A non-owner policy can also satisfy an SR-22 requirement if you need insurance to get your license reinstated but don't own a car.
Car Insurance is a necessary expense if you’re a driver, but trying to find the cheapest rates can be a time-consuming process. To gain more insight about getting cheap car insurance while still having quality coverage, WalletHub posed the following questions to a panel of experts in North Dakota. Click on the experts below to view their bios and answers.
What does it say about car insurance companies that so many have celebrity endorsers?
Do you think it’s fair to say that car insurance companies try to mislead customers or is it just marketing?
Is it fair for car insurance companies to consider gender or age when setting premiums?
Is it fair for car insurance companies to consider a driver’s occupation when setting premiums?
Do you think car insurance companies are fair to college students?
What advice do you have for new drivers when it comes to car insurance?
How do you think increased adoption of electric vehicles will change the car insurance landscape?
To what extent has technology disrupted the car insurance industry relative to others?
Shawn Stumphf CPA, DBA, CFE, ASA-BV, ABV, CGMA, Assistant Professor of Practice, Transportation, Logistics and Finance - North Dakota State University Read More
David Frantsvog DBA, Assistant Professor, College of Business, Minot State University Read More
Jason Abate Ph.D., Assistant Professor of Business, School of Business and Entrepreneurship, Dickinson State University Read More
Somnath Banerjee Assistant Professor of Marketing, College of Business, North Dakota State University Read More
David T. Flynn Ph.D., Professor of Economics, Department of Economics & Finance, Research Director, Institute for Business & Policy Analytics, Nistler College of Business & Public Administration, University of North Dakota Read More
Robert Warren Instructor, Department of Marketing, Nistler College of Business and Public Administration, University of North Dakota Read More
