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USAA provides the cheapest car insurance in North Dakota at about $775 a year. Your specific rates may vary, but the average car insurance premium in North Dakota is $118 per month, according to Insure.com’s rate analysis.

Car insurance is a legal requirement in most states, and North Dakota is no exception. North Dakota drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Cheapest car insurance in North Dakota by company

USAA offers the cheapest car insurance in North Dakota an average of $775 per year. It’s 45% less expensive than the average car insurance cost in North Dakota. The rates 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 for car insurance from cheapest car insurance companies.

CompanyAverage annual rates
USAA$775
Nationwide$983
American Family$1,236
Progressive$1,262
Auto-Owners$1,288
State Farm$1,372
Geico$1,378
Allstate$1,858
Farmers Insurance$2,020

Cheapest ZIP codes for car insurance in North Dakota

58104 ZIP code in North Dakota has the cheapest auto insurance cost at an average price of $1,184 annually. Know the cheapest ZIP codes for car insurance in North Dakota below.

ZIP codeAverage annual rates
58104$1,184
58078$1,193
58202$1,201
58102$1,204
58201$1,207
58103$1,217
58203$1,218
58204$1,222
58205$1,224
58105$1,243

Cheapest car insurance in North Dakota by age

Young drivers in North Dakota tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 441% more than a 40-year-old mature driver in North Dakota, based on Insure.com’s analysis.

The table below shows cheapest car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$5,388
Young drivers (age 20-24)$2,362
Adult drivers (age 25-64)$1,450
Senior drivers (age 65+)$1,279

Read our Guide to car insurance for teens for more information

Cheapest car insurance in North Dakota by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in North Dakota

A single speeding ticket can increase your rates by 21% or $287 in North Dakota, based on Insure.com data.

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up.

But if you’re looking for 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 incident% Increase$ Increase
USAA$686$81519%$129
Nationwide$970$1,17922%$209
State Farm$1,284$1,3707%$86
Auto-Owners$1,229$1,37312%$145
Progressive$1,193$1,44421%$251
American Family$1,180$1,50127%$321
Geico$1,289$1,58823%$299
Allstate$1,869$2,09512%$226
Farmers$1,937$2,53831%$601

Cheapest car insurance after an accident in North Dakota

USAA offers the cheapest car insurance rates to drivers after an at-fault accident, at about $952 a year. 

No one plans on getting into a car accident, but unfortunately, they happen. 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 the best rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$686$95239%$265
American Family$1,180$1,1800%$0
State Farm$1,284$1,45613%$173
Auto-Owners$1,229$1,50322%$275
Nationwide$970$1,50956%$539
Progressive$1,193$1,75247%$559
Allstate$1,869$2,21118%$342
Geico$1,289$2,854121%$1,565
Farmers$1,937$3,00155%$1,065

Cheapest car insurance after a DUI conviction in North Dakota

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Progressive$1,193$1,2938%$100
State Farm$1,284$1,3707%$86
American Family$1,180$1,50127%$321
USAA$686$1,604134%$918
Nationwide$970$1,944100%$974
Auto-Owners$1,229$2,13374%$905
Allstate$1,869$3,35980%$1,490
Farmers$1,937$3,996106%$2,059
Geico$1,289$4,304234%$3,015

Average car insurance cost in North Dakota

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in North Dakota is 16% less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

What is full coverage car insurance in North Dakota?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). 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 weather 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. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Final thoughts

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, make sure to compare insurance rates from various car insurance companies to get the cheapest car insurance coverage in North Dakota

Source:

Methodology

Insure.com gathered the auto insurance rates with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across North Dakota.

The full coverage auto insurance rates are based on a sample driver profile of a 40-year-old man with a clean driving record and good credit score.