The best car insurance in North Dakota

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.

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.

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.

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
60	USAA	$648
65	USAA	$660
70	USAA	$694

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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
Suspended license	$1,967	$1,199	$2,100	$2,545	$3,266
Open container	$1,772	$1,199	$1,596	$1,523	$1,577
Expired registration	$860	$1,199	$1,596	$1,523	$1,218
Driving without lights	$1,027	$1,199	$1,596	$1,523	$1,577
Not showing documents	$860	$1,199	$1,596	$1,523	$1,218
Running a red light	$1,027	$1,199	$1,596	$1,523	$1,577
Failure to yield	$1,027	$1,199	$1,596	$1,523	$1,577
Following too closely	$1,027	$1,199	$1,596	$1,523	$1,577
Hit and run	$2,118	$1,199	$1,961	$2,339	$3,781
Illegal turn	$1,027	$1,199	$1,596	$1,523	$1,577
Improper passing	$1,027	$1,199	$1,596	$1,523	$1,577
Not-at-fault accident	$860	$1,124	$1,250	$1,248	$1,218
Passing a school bus	$1,173	$1,199	$1,596	$1,523	$1,577
Racing	$2,046	$1,199	$2,100	$2,545	$3,781
Reckless driving	$1,173	$1,199	$2,100	$2,545	$2,659
Speeding	$1,027	$1,199	$1,596	$1,523	$1,822

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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.

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.

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.

Find car insurance in your city:

• Best car insurance in Fargo

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.