Low-cost car insurance in North Dakota

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Drivers in North Dakota can find the cheapest average premium with American Family, at $1,238 per year. By comparison, the statewide average monthly cost is $173. 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, $50,000 in bodily injury per accident, and $25,000 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

American Family has the lowest average car insurance premium in North Dakota, costing $1,238 per year. That’s $841 the state average.
For drivers with an at-fault accident on record, Nationwide offers the most affordable coverage at around $1,982 annually.
The 58104 ZIP code stands out as the cheapest area for auto insurance in North Dakota, with an average yearly cost of $1,687.

Low-cost car insurance companies in North Dakota

American Family offers the lowest car insurance rates in North Dakota, with an average annual premium of $1,238 per year. It’s $841 less expensive than the average car insurance cost in North Dakota. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

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Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in North Dakota

In North Dakota, drivers living in the 58104 ZIP code enjoy the lowest average annual premium at $1,687. Check the table below to see which other ZIP codes in the state have more affordable rates.

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

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable 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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Nationwide has the lowest average rate at $1,982 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in North Dakota with the most affordable rates for drivers with an accident on their record.

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

Being 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.

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 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

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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.