Low-cost car insurance in North Dakota

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American Family provides the lowest car insurance rates in North Dakota at $1,238 a year. The average premium is $173 per month in North Dakota, though your actual rate may vary.

Car insurance requirements differ by state. In North Dakota, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

American Family offers the lowest car insurance rates in North Dakota, at $1,238 per year, which is about $841 the state average.
Nationwide has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,982.
The ZIP code 58104 has the low-cost car insurance rates in North Dakota, at an average annual rate of $1,687.

Low-cost car insurance businesses in North Dakota

When comparing insurers in North Dakota, American Family leads the pack with an annual average of $1,238. That’s $841 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in North Dakota.

Company	Average annual rates
American Family	$1,238
Nationwide	$1,250
GEICO	$1,933
Progressive	$2,046
Auto-Owners	$2,446
North Star Mutual	$2,583
Nodak Insurance	$2,614
State Farm	$2,704
Allstate	$2,884
USAA*	$1,088

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in North Dakota

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in North Dakota

Drivers in 58104 benefit from the lowest average premium in the state, at $1,687 per year. See the table below to find other ZIP codes in North Dakota where insurance tends to be cheaper.

ZIP code	City	Average annual rates
58104	Fargo	$1,687
58105	Fargo	$1,698
58078	West Fargo	$1,706
58102	Fargo	$1,708
58103	Fargo	$1,737
58202	Grand Forks	$1,755
58203	Grand Forks	$1,762
58201	Grand Forks	$1,763
58047	Horace	$1,804
58205	Grand Forks AFB	$1,805

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Low-cost car insurance in North Dakota by age

Young drivers often face the highest premiums. In North Dakota, for example, a 16-year-old pays $4,924 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$5,795
Young Adults (20-24)	$3,273
Adults (25-60)	$2,043
Seniors (65-75)	$1,873

Low-cost car insurance in North Dakota by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in North Dakota

One speeding ticket in North Dakota can cause your insurance rates to jump by 23%, or roughly $478 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
American Family	$1,238	$1,606	30%	$368
Nationwide	$1,250	$1,882	51%	$632
GEICO	$1,933	$2,040	6%	$107
Progressive	$2,046	$2,471	21%	$425
State Farm	$2,704	$2,858	6%	$154
Auto-Owners	$2,446	$2,995	22%	$549
Allstate	$2,884	$3,229	12%	$345
USAA*	$1,088	$1,299	19%	$212

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in North Dakota

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Nationwide is the lowest-cost option for these drivers, with an average annual premium of $1,982.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Nationwide	$1,250	$1,982	59%	$732
Auto-Owners	$2,446	$2,968	21%	$521
Progressive	$2,046	$3,003	47%	$957
State Farm	$2,704	$3,044	13%	$339
GEICO	$1,933	$3,302	71%	$1,369
Allstate	$2,884	$3,888	35%	$1,004
USAA*	$1,088	$1,563	44%	$475

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in North Dakota

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in North Dakota are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
American Family	$1,238	$1,606	$368	30%
Progressive	$2,046	$2,218	$172	8%
Nationwide	$1,250	$2,576	$1,325	106%
State Farm	$2,704	$2,858	$154	6%
Auto-Owners	$2,446	$4,162	$1,715	70%
Allstate	$2,884	$5,187	$2,303	80%
GEICO	$1,933	$5,341	$3,407	176%
USAA*	$1,088	$2,592	$1,505	138%

*USAA is only available to military community members and their families.

Average cost of car insurance North Dakota

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In North Dakota, the average cost of full coverage is $434 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in North Dakota, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in North Dakota.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in North Dakota. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.