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 businesses in North Dakota

When comparing insurers in North Dakota, American Family leads the pack with an annual average of $1,238. That’s $841 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
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

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in North Dakota

Drivers in 58104 benefit from the lowest average premium in the state, at $1,687 per year. See the table below to find other ZIP codes in North Dakota where insurance tends to be cheaper.

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

Teenagers pay significantly more for car insurance than adults in North Dakota. For instance, a 16-year-old driver pays $4,924 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)	$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

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 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

Nationwide offers the lowest car insurance rates to drivers after an at-fault accident at $1,982 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
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

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
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 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 $434 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 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.