The best and cheapest car insurance in North Dakota

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. For a deeper dive into our process, see our complete methodology. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Auto-Owners ranks as the best car insurance company in North Dakota, earning 4.26 out of 5 stars based on our review of pricing, customer satisfaction and financial strength. With average annual premiums of $2,315, it costs $124 less than the state average.

In North Dakota, drivers pay an average of $2,439 per year or $203 per month for coverage.

GEICO placed second with 4.26 stars, while State Farm followed with 4.04 stars.

How we picked the top auto insurance companies

When selecting the top car insurance companies in North Dakota, we didn’t focus solely on price. We also reviewed customer satisfaction results from J.D. Power, financial strength ratings from AM Best and complaint records from the National Association of Insurance Commissioners (NAIC). When state-specific data wasn’t available, we used national averages to ensure readers could make fair comparisons.

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%

You might find interesting

Explore related topics

• Average car insurance cost in North Dakota
• Car insurance calculator for teens in North Dakota
• Cheapest SR-22 insurance in North Dakota
• Do you need insurance to register a car in North Dakota?
• How much is gap insurance in North Dakota
• Low-cost car insurance in North Dakota
• Non-owner auto insurance in North Dakota: Which company has the cheapest rates?
• North Dakota car insurance calculator
• North Dakota car insurance: Rates, state minimum requirements and best companies

See more

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?

Full coverage car is a combination of coverages that provide broader financial protection. It typically includes liability insurance (required in most states) plus collision and comprehensive coverage, which pay for damage to your own vehicle from accidents, theft, weather, vandalism and other non-collision events. While it offers more protection than minimum coverage, it also costs more and may be especially valuable if you have a newer, financed or higher-value car.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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 example, if one quote shows 25/50/25 in liability coverage and another shows 50/100/100, the lower price may simply reflect lower protection — not a better deal. Many agents recommend at least 50/100/100, and higher limits may make sense depending on your income and assets.

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 generally pay higher car insurance rates than most age groups, though teens still tend to pay the most overall.

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

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

Insurers typically charge seniors more because premiums reflect overall risk trends, including claim frequency and age-related driving factors such as slower reaction times and vision changes. That said, many seniors can still find lower rates by keeping a clean driving record, driving fewer miles 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 company has the cheapest car insurance for young adults in North Dakota?

Young adults (21-25) pay less than teens, but they still pay more than more experienced drivers. In North Dakota, GEICO is the cheapest option for young adults with a yearly premium of $3,190 or $266 a month.

American Family is the next most affordable with an average rate of $3,468 followed by Progressive at $3,842.

Young drivers who maintain a clean driving record can expect their rates to drop even more as they reach their late 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 cheapest car insurance for teen drivers, with average premiums of $5,370 per year or $447 per month.

“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 is the next most affordable option at $5,932 per year or $494 per month, followed by North Star Mutual at $5,936 per year.

The chart below shows average premiums for teens 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?

The average cost of car insurance in North Dakota is $2,439 a year.

Car insurance rates vary widely from state to state because insurers base premiums on overall risk trends, including claim frequency, repair costs, state regulations and local accident data. Even within the same state, drivers can see different quotes depending on their driving history, age, vehicle and ZIP code.

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

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

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

Insurers use ZIP code data to assess localized risk factors, including traffic density, crime rates and exposure to severe weather. Urban areas with higher accident frequency or vehicle theft claims typically have the highest premiums.

According to our analysis of city and ZIP code data, the following areas are the most expensive 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.

Who has the cheapest car insurance for high-risk drivers in North Dakota?

Traffic violations and accidents can drive up your car insurance premiums because insurers often classify drivers with tickets or accidents as higher risk.

For instance, a speeding ticket can increase the average premium to $3,157 and may impact your rates for up to three years. An at-fault accident generally has a greater effect, raising the average cost of coverage to approximately $3,646.

A DUI is considered a serious offense and typically results in the largest premium increase, with average rates climbing to $4,589.

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

Minimum car insurance requirements in North Dakota

Drivers in North Dakota are required to carry at least 25/50/25 in liability insurance to legally operate a vehicle. This minimum coverage pays for injuries and property damage you cause to others in an accident.

However, state-required limits are often modest. In a major crash, medical expenses and vehicle repairs can quickly exceed those minimum amounts – and anything beyond your coverage becomes your financial responsibility.

To better protect your savings and income, many insurance professionals suggest higher liability limits, such as 100/300/50. Increasing your coverage can provide an added layer of financial security if the unexpected happens.

That required coverage translates into:

• $25,000 for injury/death per person
• $50,000 for injury/death per accident
• $25,000 for damage to property

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

The right car insurance company in North Dakota ultimately depends on your budget, driving history and coverage preferences. Auto-Owners stands out for its overall value, combining competitive pricing with strong customer satisfaction and financial stability.

Still, the cheapest company for the average driver may not offer you the lowest rate. Your age, driving record, vehicle type and ZIP code all affect your premium, which makes comparing multiple insurers essential.

To find the best deal in North Dakota, get quotes from at least three companies, review coverage limits carefully – not just the price – and look for discounts such as bundling, safe driver programs, telematics or good student savings. Taking time to compare options can help you lower costs without cutting important protection.

What our experts say

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

Read more about our research standards and methodology.

Alisha Ambre

 

 . .

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.

Explore other insurance options in North Dakota

Non-owner auto insurance in North Dakota

Average renters insurance cost in North Dakota

Average homeowners insurance cost in North Dakota