The best car insurance in North Dakota

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 16, 2021

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North Dakota drivers pay an average of $1,397 per year for full coverage car insurance. That’s lower than the U.S. national average, but North Dakota residents can save even more on their car insurance by comparing quotes from multiple companies before picking a policy.

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Policygenius can help you see quotes from top car insurance companies so you can see your options and pick the one that offers you the coverage you need at an affordable rate.

Key Takeaways

  • USAA has the cheapest car insurance in North Dakota at $786 per year for full coverage

  • Drivers with a DUI conviction who are insured with USAA could see their insurance rates go up nearly $2,000 per year

  • North Dakota’s minimum liability car insurance requirements are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability. 

  • North Dakota also requires uninsured/underinsured motorist coverage and personal injury protection

Cheapest car insurance companies in North Dakota

Even though car insurance companies all look at the same information — like your age, driving history, location and credit score — they charge different rates for coverage. That’s why it’s so important to shop around and compare options before you pick a policy.

Company

Average cost

JD Power Rating

USAA

$786

890

State Farm

$1,097

881

American Family

$1,157

862

Nationwide

$1,209

876

North Star Mutual

$1,218

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Cheapest car insurance companies by age in North Dakota

Because of their inexperience on the road, teens and young drivers are more likely to be in a car accident than other age group. More accidents mean more accident claims, which is why young drivers pay the most for car insurance.

Age

Cheapest company

Average cost

16

North Star Mutual

$2,657

18

American Family

$2,352

21

USAA

$1,203

25

USAA

$1,064

30

USAA

$849

35

USAA

$809

45

USAA

$701

55

USAA

$655

Choosing the right car insurance company in North Dakota

There’s no one company that’s right for every driver. Different drivers have different needs, and the only way to be sure you’re getting the best car insurance rates for you is by comparing quotes from multiple car insurance companies.

Policygenius can help see options from top companies, so you can make sure you’re choosing a policy that offers you the coverage you need at an affordable rate.

Car insurance rates for drivers with driving violations in North Dakota

Your driving history matters a lot when it comes to car insurance. A single speeding ticket can raise your insurance by hundreds of dollars a year, so if you have a spotty driving record, it’s even more important to shop around and compare quotes.

Violation

USAA

State Farm

American Family

Nationwide

North Star Mutual

At-fault Accident

$1,168

$1,274

$1,821

$1,973

$2,144

DUI

$2,046

$1,199

$1,596

$2,545

$3,781

Driving with a suspended license

$1,967

$1,199

$2,100

$2,545

$3,266

Driving with an open container

$1,772

$1,199

$1,596

$1,523

$1,577

Driving with expired registration

$860

$1,199

$1,596

$1,523

$1,218

Driving without Lights

$1,027

$1,199

$1,596

$1,523

$1,577

Failure to show documents

$860

$1,199

$1,596

$1,523

$1,218

Failure to stop at a red light

$1,027

$1,199

$1,596

$1,523

$1,577

Cheapest car insurance for drivers with bad credit in North Dakota

A lower credit score usually means you’ll pay more for car insurance. Some states don’t allow car insurance companies to set your rates based on credit score, but North Carolina does, so if you know you’ve got a low credit score, be sure to take the time to shop around and find affordable options.

Company

Rates for drivers with bad credit

USAA

$1,485

Nationwide

$1,787

GEICO

$1,868

American Family

$1,924

North Star Mutual

$2,017

Car insurance costs in North Dakota cities

Where you live has a big effect on what you’ll pay for car insurance. Car insurance companies consider everything from the rates of accidents and claims in a given area to reports of car theft and average costs of repairs. Here’s what drivers pay for coverage in the 10 biggest cities in North Dakota:

  • Fargo: $1,210

  • Bismarck: $1,343

  • Grand Forks: $1,234

  • Minot: $1,344

  • West Fargo: $1,195

  • Williston: $1,371

  • Dickinson: $1,353

  • Mandan: $1,352

  • Jamestown: $1,272

  • Watford City: $1,449

If you live in an area with high insurance rates, shopping around for coverage, bundling policies, and maintaining a good driving record are the easiest ways to lower your insurance costs.

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Buying car insurance in North Dakota

North Dakota requires all drivers to have a minimum amount of car insurance, but most drivers need more than the state minimums in order to be fully protected. The minimum coverage amounts required by law in North Dakota are:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Personal injury protection: $30,000 maximum per person

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

The state minimums in North Dakota are low, but it is one of the states that require uninsured motorist protection, which could save you a lot of money if an uninsured driver hits you and can’t pay for your repairs or medical bills. 

North Dakota is a no-fault state when it comes to car accidents. That means that your own car insurance company covers your injuries after a car accident, no matter who was at fault (that’s what PIP coverage is for).

North Dakota also follows modified comparative negligence laws, which means if you’re more than 50 percent responsible for an accident, you can’t collect any damages from the other driver. However, if you’re less than 50 percent responsible, you can collect damages minus the percentage that you’re at fault.

How to get cheap car insurance in North Dakota

One way to make sure you’re getting the best rates on car insurance is to take advantage of some of the many discounts that companies offer. Some of the most common car insurance discounts are:

  • Safe-driver discount: For drivers without any accident claims

  • Low mileage discount: For drivers who drive less than 7,500 miles annually

  • Good student discount: For full-time high school or college students who maintain at least a B average

  • Military discount: A discount for active-duty service members and their families

  • Multi-car discount: For insuring more than one car with the same policy

  • Bundling discount: For getting more than one insurance policy, like home and auto, from the same company 

Discounts vary by company, and you might not qualify for all of them. In addition, some insurance companies reduce the amounts of some discounts if you are eligible for others.

Frequently asked questions

Who has the lowest car insurance in North Dakota?

According to our analysis, USAA has the lowest average rates in North Dakota at an average of $786 per year for a full coverage policy.

I moved to another apartment in my building, will that raise my rates?

Moving to another apartment in your building will not probably not change your insurance rates, unless your parking also changed or you now own instead of renting.

I got a ticket for speeding, will my insurance go up?

A speeding ticket could raise your insurance rates by more than $300 per year. You may be able to offset some of that increase by shopping around for new coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.