Home Car insurance Car insurance rates by state Cheapest car insurance in North Dakota Cheapest car insurance in North Dakota American Family has the cheapest car insurance rates for North Dakota drivers at $1,092 a year, based on Insure.com's data study. 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: May 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 cheapest car insurance in North Dakota at $1,092 a year. Your rates may vary, but the average premium is $139 per month in North Dakota, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in North Dakota, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $25,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Below, you’ll find which insurance companies are the most affordable for different categories. Cheapest overall: American Family $1,092/year National avg. rate Cheapest for at-fault accident: Nationwide $1,826/year Avg. rate after an at-fault accident Cheapest for speeding ticket: American Family $1,417/year Avg. rate after speeding ticket Key Takeaways American Family has the cheapest car insurance in North Dakota, with an average annual cost of $1,092, which is 34% less than the state average.Nationwide offers affordable car insurance at $1,826 per year to North Dakota drivers with a history of at-fault accidents.58104 is the cheapest ZIP code for auto insurance rates in North Dakota at $1,349 annually. Cheap car insurance companies in North DakotaAmerican Family offers North Dakota’s most affordable car insurance rates, at $1,092 per year, 34% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.The table below shows the most affordable car insurance companies and their average annual premiums.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 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in North Dakota 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in North DakotaThe 58104 ZIP code in North Dakota has the cheapest auto insurance, with an average price of $1,349 annually. Discover the cheapest ZIP codes for car insurance in North Dakota 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$1,455Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in North Dakota by cityBismarckFargoGrand ForksMinotCheapest car insurance in North Dakota by ageIn North Dakota, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $5,367 more for insurance than a 40-year-old driver.Below are the cheapest auto insurance rates for North Dakota drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$5,476Young Adults (20-24)$2,667Adults (25-60)$1,698Seniors (65-75)$1,628 You might find interesting The best, cheapest car insurance in North DakotaNorth Dakota car insurance calculatorNon-owner auto insurance in North Dakota: Which company has the cheapest rates?Cheapest SR-22 insurance in North DakotaBest and cheapest companies for home and auto bundles in North Dakota Cheapest car insurance in North Dakota by driver historyInsurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.Cheapest car insurance after a speeding ticket in North DakotaHere are the top three companies that offer cheap car insurance after a speeding ticket:American Family: $1,417 per yearProgressive: $1,694 per yearNationwide: $1,734 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 23% or $382 in North Dakota.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in North Dakota, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in North DakotaHere are the top three companies that offer cheap car insurance after an accident:Nationwide: $1,826 per yearState Farm: $1,956 per yearProgressive: $2,060 per yearNationwide offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,826 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in North DakotaBelow is a list of the top three companies offering affordable car insurance following a DUI conviction.American Family: $1,417 per yearProgressive: $1,521 per yearState Farm: $1,837 per yearIf you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in North DakotaWhile full coverage insurance is more expensive than minimum liability insurance, many drivers find the extra cost worth it. In North Dakota, the average cost of full coverage car insurance is $230 less than the national average car insurance cost.While multiple full coverage limits are available, Insure.com editors recommend getting a policy with 100/300/100 coverage limits for adequate protection.What is full coverage car insurance in North Dakota?Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.In North Dakota, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable 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 violation 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. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in North DakotaHow we choose the cheapest car insurance companies in North DakotaCheapest ZIP codes for car insurance in North DakotaCheapest car insurance in North Dakota by ageCheapest car insurance in North Dakota by driver historyAverage car insurance cost in North DakotaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates