Home Car insurance Car insurance rates by state Low-cost car insurance in North Dakota Low-cost car insurance in North Dakota Based on our analysis, American Family has the most affordable car insurance rates in North Dakota. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 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. 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. American Family provides the lowest car insurance rates in North Dakota at $1,092 a year. The average premium is $139 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 has the cheapest average premium in North Dakota, coming in at $1,092 per year – about 34% compared to the state average.For drivers with an at-fault accident on their record, Nationwide offers the lowest rates, with annual costs averaging $1,826.The 58104 ZIP code is the least expensive area in North Dakota for car insurance, with an average yearly premium of $1,349. Low-cost car insurance companies in North DakotaAmong all insurers in North Dakota, American Family comes in lowest at $1,092 per year – 34% less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.Below are the annual premiums from the cheapest car insurance companies in North Dakota.CompanyAverage annual ratesAmerican Family$1,092Nationwide$1,152Progressive$1,403Auto-Owners$1,717State Farm$1,738GEICO$1,773North Star Mutual$1,959Farmers$2,077Nodak Insurance$2,233Allstate$2,339USAA*$826*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in North Dakota 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in North DakotaDrivers in the 58104 ZIP code pay the lowest average annual premium in North Dakota, at $1,349. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates58104Fargo$1,34958102Fargo$1,37258103Fargo$1,37658078West Fargo$1,37858202Grand Forks$1,40158203Grand Forks$1,40558201Grand Forks$1,41558105Fargo$1,41858047Horace$1,45358204Grand Forks AFB$1,455Powered by: You might find interesting Average car insurance cost in North DakotaCar insurance calculator for teens in North DakotaCheapest SR-22 insurance in North DakotaDo you need insurance to register a car in North Dakota?How much is gap insurance in North DakotaNon-owner auto insurance in North Dakota: Which company has the cheapest rates?North Dakota car insurance calculatorThe best, cheapest car insurance in North DakotaBest and cheapest companies for home and auto bundles in North Dakota 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 Low-cost car insurance in North Dakota by ageTeen drivers in North Dakota pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,367 more than a 40-year-old driver in North Dakota.The table below shows low-cost car insurance rates for drivers of different ages. Age groupFull coverage annual premiumsTeens (16-19)$5,476Young Adults (20-24)$2,667Adults (25-60)$1,698Seniors (65-75)$1,628Powered by:Low-cost car insurance in North Dakota by driver historyInsurers 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 DakotaA single speeding ticket in North Dakota can push your rates up by 23%, or about $382. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAmerican Family$1,092$1,41730%$325Progressive$1,403$1,69421%$291Nationwide$1,152$1,73451%$582State Farm$1,738$1,8376%$99GEICO$1,773$1,8716%$98Auto-Owners$1,717$2,10222%$385Allstate$2,339$2,61812%$279Farmers$2,077$2,72131%$644USAA*$826$98719%$161*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in North DakotaBeing 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 $1,826.If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNationwide$1,152$1,82658%$674State Farm$1,738$1,95613%$218Progressive$1,403$2,06047%$657Auto-Owners$1,717$2,08321%$366GEICO$1,773$3,02971%$1,256Allstate$2,339$3,15335%$814Farmers$2,077$3,25357%$1,176USAA*$826$1,18744%$361*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in North DakotaBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in North Dakota offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseAmerican Family$1,092$1,417$32530%Progressive$1,403$1,521$1188%State Farm$1,738$1,837$996%Nationwide$1,152$2,373$1,221106%Auto-Owners$1,717$2,920$1,20370%Allstate$2,339$4,206$1,86780%Farmers$2,077$4,226$2,149103%GEICO$1,773$4,899$3,126176%USAA*$826$1,969$1,143138%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance North DakotaFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.The average cost of full coverage car insurance in North Dakota is $230 less than the national average car insurance rates in the U.S.We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.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 protectedWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in North Dakota.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? Do you have to add a teenage driver to your car insurance policy? What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Low-cost car insurance companies in North DakotaHow we choose low-cost car insurance companies in North DakotaZIP codes with the cheapest car insurance in North DakotaLow-cost car insurance in North Dakota by ageLow-cost car insurance in North Dakota by driver historyAverage cost of car insurance North DakotaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330