Low-cost car insurance in North Dakota

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Drivers in North Dakota can find the cheapest average premium with GEICO, at $1,978 per year. By comparison, the statewide average monthly cost is $203. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, North Dakota requires drivers to carry at least $25,000 in bodily injury coverage per person, $25,000 in bodily injury per accident, and $50,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in North Dakota, depending on your situation.

Key Takeaways

GEICO has the lowest average car insurance premium in North Dakota, costing $1,978 per year. That’s $461 the state average.
For drivers with an at-fault accident on record, State Farm offers the most affordable coverage at around $2,902 annually.
The 58078 ZIP code stands out as the cheapest area for auto insurance in North Dakota, with an average yearly cost of $1,991.

Low-cost car insurance businesses in North Dakota

When comparing insurers in North Dakota, GEICO leads the pack with an annual average of $1,978. That’s $461 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
GEICO	$1,978
Progressive	$2,190
Auto-Owners	$2,315
Nodak Insurance	$2,394
State Farm	$2,514
North Star Mutual	$2,610
American Family	$2,614
Allstate	$2,892

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

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Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in North Dakota

Drivers in 58078 benefit from the lowest average premium in the state, at $1,991 per year. See the table below to find other ZIP codes in North Dakota where insurance tends to be cheaper.

Zipcode	City	Average annual rates
58078	West Fargo	$1,991
58104	Fargo	$2,012
58105	Fargo	$2,014
58102	Fargo	$2,021
58103	Fargo	$2,068
58047	Horace	$2,092
58202	Grand Forks	$2,094
58201	Grand Forks	$2,098
58203	Grand Forks	$2,107
58042	Harwood	$2,136

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Low-cost car insurance in North Dakota by age

Teenagers pay significantly more for car insurance than adults in North Dakota. For instance, a 16-year-old driver pays $6,938 more on average than a 40-year-old.

The following table shows car insurance rates by age group in North Dakota.

Age group	Full coverage annual premiums
Teens (16-19)	$7,232
Young Adults (20-24)	$3,900
Adults (25-60)	$2,398
Seniors (65-75)	$2,327

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 29%, or roughly $718 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
State Farm	$2,514	$2,690	7%	$176
Nodak Insurance	$2,394	$2,846	19%	$452
Auto-Owners	$2,315	$2,994	29%	$679
North Star Mutual	$2,610	$3,016	16%	$406
GEICO	$1,978	$3,037	54%	$1,059
Progressive	$2,190	$3,100	42%	$910
Allstate	$2,892	$3,294	14%	$402
American Family	$2,614	$4,156	59%	$1,542

Low-cost car insurance after an accident in North Dakota

State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $2,902 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$2,514	$2,902	15%	$388
Auto-Owners	$2,315	$2,960	28%	$645
GEICO	$1,978	$3,375	71%	$1,397
Nodak Insurance	$2,394	$3,624	51%	$1,230
Progressive	$2,190	$3,752	71%	$1,562
Allstate	$2,892	$4,019	39%	$1,127
North Star Mutual	$2,610	$4,619	77%	$2,009

Low-cost car insurance after a DUI in North Dakota

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in North Dakota keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$2,190	$2,645	21%	$455
State Farm	$2,514	$2,690	7%	$176
Nodak Insurance	$2,394	$3,742	56%	$1,348
American Family	$2,614	$4,156	59%	$1,542
Auto-Owners	$2,315	$4,434	92%	$2,119
GEICO	$1,978	$5,452	176%	$3,474
Allstate	$2,892	$5,455	89%	$2,563
North Star Mutual	$2,610	$8,143	212%	$5,533

Average cost of car insurance North Dakota

Full 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 $139 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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in North Dakota, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When 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.

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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.