The best and cheapest car insurance in North Dakota

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According to our analysis, Auto-Owners is the top car insurance provider in North Dakota, earning 4.26 out of 5 stars for its combination of affordability, customer satisfaction and financial stability. Its average premium of $2,315 per year is 124 less than the statewide average.

Drivers in North Dakota spend an average of $2,439 annually, or $203 monthly, on car insurance.

GEICO finished second with 4.26 stars, followed closely by State Farm at 4.04 stars.

The table below shows the best car insurance companies in North Dakota.

How we picked the top car insurance companies

When choosing the top car insurance companies in North Dakota, we looked beyond just the average cost of coverage. We also reviewed customer satisfaction data from J.D. Power, financial strength ratings from AM Best and complaint trends reported by the National Association of Insurance Commissioners (NAIC). If state or regional data wasn’t available, we used national averages to keep the comparisons consistent and fair for readers.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Which insurers offer the cheapest car insurance in North Dakota?

GEICO has the cheapest average car insurance rate in North Dakota at $1,978 a year.

Other low-cost insurers in North Dakota include:

• Progressive, with average rates of $2,190 a year, or $183 a month
• Auto-Owners, with average premiums of $2,315 a year, which comes out to $193 per month

On the higher end, Allstate has the highest average premium at $2,892 a year.

Keep in mind that your actual rate may be different. Insurers consider factors like your driving record, credit score, age, vehicle and ZIP code when calculating premiums, so the cheapest company for the average driver may not be the cheapest for you.

Below are the cheapest car insurance rates by state, based on a profile of a 40-year-old driver with a Honda Accord LX to ensure fair, apples-to-apples comparisons. Rates are for full coverage car insurance.

What is full coverage car insurance in North Dakota?

Full coverage car insurance isn’t a single policy – it’s a bundle of protections that offer more complete financial security. It generally includes liability coverage (required in most states), along with collision and comprehensive insurance. Collision pays to repair or replace your car after an accident, while comprehensive covers non-collision damage such as theft, hail, fire or vandalism.

Because it protects your own vehicle in addition to others, full coverage typically comes with a higher premium than minimum liability insurance. It can be especially worthwhile if you drive a newer vehicle, have an auto loan or lease, or own a car that would be expensive to repair or replace.

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How to find the best car insurance in North Dakota

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. That means checking:

• The same liability limits
• The same deductibles
• The same coverage types

For instance, if one quote lists 25/50/25 in liability coverage and another lists 50/100/100, the lower premium may simply reflect less coverage rather than a better value. Many insurance agents suggest carrying at least 50/100/100, and higher limits may be appropriate depending on your income, assets and overall financial situation.

You can also lower your premium by:

• Maintaining a strong credit score
• Avoiding tickets and accidents
• Bundling home and auto insurance with the same carrier

Which companies have the cheapest car insurance for seniors in North Dakota?

Senior drivers in North Dakota typically pay higher car insurance premiums than most other age groups, although teens generally remain the most expensive to insure.

The cheapest car insurance companies for seniors in North Dakota include:

• Progressive: $1,865 a year ($155 a month)
• GEICO: $1,931 a year
• Nodak Insurance: $2,251 a year

Insurance companies often charge seniors more because premiums are based on broader risk trends, including claim frequency and age-related driving changes such as slower reaction times or vision shifts. Even so, many seniors can lower their costs by maintaining a clean driving record, limiting mileage and taking advantage of mature driver or safe driver discounts.

The chart below shows the average car insurance premiums for senior drivers in North Dakota.

Which companies have the cheapest car insurance for young adults in North Dakota?

While young adults pay less than teen drivers, they still pay more than older more experienced drivers. The best choice for young adults (early 20s) in North Dakota is GEICO with an annual rate of $3,190 or $266 a month.

American Family had the second cheapest premium at $3,468 a year followed by Progressive was third at $3,842.

If young drivers keep their driving record clean, their rates will drop down as they move out of their 20s.

The table below shows the best insurers for young drivers in North Dakota:

Which companies have the cheapest car insurance for teen drivers in North Dakota?

In North Dakota, GEICO offers the most affordable coverage for teen drivers, with average premiums starting at $5,370 annually or $447 per month.

Because teens have less driving experience, insurers classify them as higher-risk policyholders.

“Teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups,” says Chong Gao, director of product management R&D at Mercury Insurance. “For teenagers, the lack of driving experience is a significant factor that impacts their rates; younger drivers with little experience behind the wheel tend to pay higher insurance premiums.”

American Family follows at $5,932 per year or $494 per month, while North Star Mutual rounds out the top three at $5,936 annually.

The table below shows average teen car insurance premiums in North Dakota:

Why the cheapest company may vary by driver

An insurer with the lowest average premium may not offer you the lowest price. Car insurance rates are personalized, and companies calculate risk differently based on individual driver profiles.

Several factors can affect what you pay, including:

• Driving history
• Credit profile (where permitted)
• Age and marital status
• The type of vehicle you drive
• Your ZIP code and local claim trends

Age plays a major role in pricing. Adding a teen to a policy can significantly increase premiums because teens are the least experienced drivers and tend to have higher accident rates.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

To help offset higher premiums, parents can explore good student discounts, choose a more affordable vehicle or reconsider certain coverages if the car’s value is low.

What is the average cost of car insurance in North Dakota?

In North Dakota, drivers pay an average of $2,439 per year for car insurance.

Premiums vary widely across states since insurers consider overall risk indicators like claims activity, repair costs, regulatory requirements and accident data. Within the same state, individual quotes can also vary based on a driver’s record, age, vehicle and location.

The chart below displays the average rate in each state for a 40-year-old driver with 100/300/100 coverage and a $500 collision and comprehensive deductible driving a Honda Accord LX.

Which North Dakota cities and ZIP codes are most expensive for car insurance?

Selfridge has the highest car insurance rates in North Dakota, with average annual premiums of $2,760 across its most expensive ZIP codes.

Insurance premiums vary by location because where your vehicle is parked overnight affects overall risk. Cities and ZIP codes with frequent severe weather, heavier traffic congestion or higher crime levels typically experience more accident and theft claims, which drives up costs for drivers in those areas.

Below are the most expensive cities and ZIP codes in North Dakota for car insurance:

Which North Dakota cities and ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in North Dakota tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. West Fargo has the most affordable ZIP code in North Dakota with an annual premium of $1,991.

How where you live in North Dakota affects car insurance rates

Where you live in North Dakota plays a major role in determining your car insurance premium. Insurers evaluate local risk factors such as accident frequency, traffic congestion, repair expenses and weather-related claims when calculating rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Gao.

Since each insurer applies its own pricing formula to these geographic risks, drivers with similar profiles can receive very different quotes depending on which part of the state they live in.

Which companies have the cheapest car insurance for high-risk drivers in North Dakota?

Traffic violations and accidents can lead to higher car insurance premiums because insurers may view you as a greater risk.

For instance, a speeding ticket can increase the average premium to $3,157 and typically impacts rates for up to three years. An at-fault accident usually has a bigger effect, raising the average cost of coverage to about $3,646.

A DUI is considered a serious violation and often results in the largest increase, with average premiums climbing to $4,589.

The table below illustrates the average rate increases following common driving incidents.

Minimum car insurance requirements in North Dakota

To legally drive in North Dakota, you’re required to carry at least 25/50/25 in liability car insurance. This minimum coverage pays for bodily injury and property damage you cause to others in an accident.

But state minimum limits are designed to meet legal requirements – not necessarily to fully protect your finances. In a serious crash, medical bills and repair costs can quickly exceed those limits. If that happens, you could be responsible for the remaining balance out of pocket.

That’s why many insurance experts suggest carrying higher limits, such as 100/300/50, to better protect your assets, income and long-term financial security.

Final thoughts on the best and cheapest car insurance in North Dakota

The best car insurance in North Dakota depends on your budget, driving profile and coverage needs. Auto-Owners delivers strong overall value by combining competitive pricing with high customer satisfaction and financial stability.

That said, the cheapest insurer for the average driver may not be the cheapest for you. Factors like your age, driving history, vehicle and ZIP code all influence your final quote, which is why comparing multiple insurers is key.

To get the best rate in North Dakota, compare quotes from at least three companies, review coverage limits (not just price) and take advantage of discounts such as bundling, safe driver, telematics or good student savings. A few minutes of comparison shopping can lead to significantly lower premiums without sacrificing coverage.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

Teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups

Methodology

Our car insurance analysis is based on 2026 rate data across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For standard rate comparisons, we analyzed 65,756,440 quotes from 195 companies across 73 insurer groups. Rates reflect a 40-year-old male and female driving a Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, a good insurance score, no violations, a 12-mile commute and 10,000 annual miles. The national average premium for this profile is $2,578 per year.

To measure the impact of risk factors, we reviewed an additional 95,071,152 quotes modeling at-fault accidents, DUI/DWI, speeding violations and poor credit, using the same base profile for consistency.

Company rankings are weighted as follows:

• J.D. Power (30%) – customer satisfaction
• Annual premium (25%) – average cost
• AM Best (25%) – financial strength
• NAIC (20%) – complaint index

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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