The best car insurance in North Dakota

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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North Dakota drivers pay an average of $1,405 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 $772 per year for full coverage

  • North Star Mutual has the cheapest car insurance rates for young drivers in North Dakota

  • 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

$772

890

State Farm

$927

882

North Star Mutual

$1,098

--

American Family

$1,159

874

Nationwide

$1,183

868

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

$2,406

18

USAA

$2,296

21

USAA

$1,176

25

USAA

$1,041

30

USAA

$832

35

USAA

$793

45

USAA

$690

55

USAA

$645

60

USAA

$638

65

USAA

$649

70

USAA

$681

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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

North Star Mutual

American Family

Nationwide

At-fault accident

$1,167

$1,078

$1,941

$1,826

$1,929

DUI

$2,001

$1,013

$3,410

$1,599

$2,487

Suspended license

$1,924

$1,013

$2,949

$2,105

$2,487

Open container

$1,734

$1,013

$1,428

$1,599

$1,491

Expired registration

$1,006

$1,013

$1,098

$1,599

$1,491

Driving without lights

$843

$1,013

$1,428

$1,599

$1,491

Running a red light

$1,006

$1,013

$1,428

$1,599

$1,491

Following too closely

$1,006

$1,013

$1,428

$1,599

$1,491

Hit and run

$2,072

$1,013

$3,410

$2,105

$2,487

Not-at-fault accident

$843

$949

$1,098

$1,252

$1,223

Passing a school bus

$1,149

$1,013

$1,428

$1,599

$1,491

Reckless driving

$1,734

$1,013

$2,404

$2,105

$2,487

Speeding

$1,006

$1,013

$1,647

$1,599

$1,491

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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 Dakota 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

$1,416

Nationwide

$1,746

North Star Mutual

$1,823

GEICO

$1,903

American Family

$1,929

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: $1,211

  • Bismarck: $1,351

  • Grand Forks: $1,241

  • Minot: $1,354

  • West Fargo: $1,199

  • Williston: $1,379

  • Dickinson: $1,359

  • Mandan: $1,362

  • Jamestown: $1,273

  • Watford City: $1,456

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.

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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. State Farm has the lowest car insurance of any company that offers coverage to drivers who aren't affiliated with the military.

What is the average cost of car insurance in North Dakota?

In North Dakota, the average cost of car insurance is $117 per month (or $1,405 per year). This makes the cost of auto insurance cheaper in North Dakota than the national average.

What car insurance is required in North Dakota?

Drivers in North Dakota must carry at least $25,000 of bodily injury liabilicy coverage per person, $50,000 per accident, and $25,000 of property damage liability. Additionally, North Dakota requires uninsured motorist coverage ($25,000/$50,000) and $30,000 of personal injury protection.

Is it illegal not to have car insurance in North Dakota?

It's illegal to drive without car insurance in North Dakota. The state considers it a class B misdemeanor. If you're caught driving uninsured, you'll have to pay a fine of at least $150. You'll also have to file an SR-22 and pay higher rates for car insurance.

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Authors

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

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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