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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 Dakota

American 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 rates
American Family$1,092
Nationwide$1,152
Progressive$1,403
Auto-Owners$1,717
State Farm$1,738
Geico$1,773
North Star Mutual$1,959
Farmers$2,077
Nodak Insurance$2,233
Allstate$2,339
USAA*$826

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in North Dakota

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170+

Carriers reviewed
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53M+

Quotes analysed
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34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in North Dakota

The 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 rates
58104Fargo$1,349
58102Fargo$1,372
58103Fargo$1,376
58078West Fargo$1,378
58202Grand Forks$1,401
58203Grand Forks$1,405
58201Grand Forks$1,415
58105Fargo$1,418
58047Horace$1,453
58204Grand Forks AFB$1,455

Auto 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 city

Cheapest car insurance in North Dakota by age

In 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 premiums
Teens (16-19)$5,476
Young Adults (20-24)$2,667
Adults (25-60)$1,698
Seniors (65-75)$1,628

Cheapest car insurance in North Dakota by driver history

Insurers 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 Dakota

Here are the top three companies that offer cheap car insurance after a speeding ticket:

  • American Family: $1,417 per year
  • Progressive: $1,694 per year
  • Nationwide: $1,734 per year

According 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$ Increase
American Family$1,092$1,41730%$325
Progressive$1,403$1,69421%$291
Nationwide$1,152$1,73451%$582
State Farm$1,738$1,8376%$99
Geico$1,773$1,8716%$98
Auto-Owners$1,717$2,10222%$385
Allstate$2,339$2,61812%$279
Farmers$2,077$2,72131%$644
USAA*$826$98719%$161

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in North Dakota

Here are the top three companies that offer cheap car insurance after an accident:

  • Nationwide: $1,826 per year
  • State Farm: $1,956 per year
  • Progressive: $2,060 per year

Nationwide 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$ Increase
Nationwide$1,152$1,82658%$674
State Farm$1,738$1,95613%$218
Progressive$1,403$2,06047%$657
Auto-Owners$1,717$2,08321%$366
Geico$1,773$3,02971%$1,256
Allstate$2,339$3,15335%$814
Farmers$2,077$3,25357%$1,176
USAA*$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 Dakota

Below is a list of the top three companies offering affordable car insurance following a DUI conviction.

  • American Family: $1,417 per year
  • Progressive: $1,521 per year
  • State Farm: $1,837 per year

If 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% Increase
American 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 Dakota

While 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 thoughts

When 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.

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

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

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Shivani Gite
Contributing Writer

 
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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.

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