Cheapest car insurance in North Dakota 2024

Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.

With its natural beauty and over 107,000 miles of roadway, North Dakota has plenty to offer road travelers. But could you be saving money on car insurance?

We looked at estimated car insurance rates for basic coverage from several insurance companies in North Dakota and calculated the average cost. We also found out which insurers offer the cheapest estimated rates, at minimum coverage, for a number of driver needs and profiles.

Unless otherwise noted, our calculations are based on a relatively neutral driver profile — someone with no accidents, tickets or claims, for example — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). There are several factors that affect car insurance, including your personal driving history, age, vehicle type, mileage and coverage options, so your rates may be different.

Read on to learn about North Dakota’s average car insurance rates and our findings for the cheapest options.

• Cost of car insurance in North Dakota
• 5 cheapest car insurance companies in North Dakota
• Cheapest full coverage car insurance in North Dakota
• Cheapest state-minimum car insurance in North Dakota
• Cheapest car insurance for good credit in North Dakota
• Cheapest car insurance for poor credit in North Dakota
• Cheapest car insurance for drivers with multiple claims in North Dakota
• Cheapest car insurance for young drivers in North Dakota
• North Dakota auto insurance requirements
• Is usage-based insurance available in North Dakota?
• FAQs about the cheapest car insurance rates in North Dakota
• Methodology

Cost of car insurance in North Dakota

Average monthly premiums for basic car insurance in North Dakota range from just over $45 up to over $180, depending on type of coverage and driver profile.

Average monthly auto insurance premiums in North Dakota

5 cheapest car insurance companies in North Dakota

Remember, the following rates were calculated based on minimum coverage and a specific North Dakota driver profile, as detailed in our methodology. This allows us to assess insurers evenly and get the best sense of costs for an average driver.

1. USAA

USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.

2. North Star

North Star offers insurance through independent agents, mostly in Midwest states. In addition to personal vehicles, North Star can cover antique and classic cars, motor homes, travel trailers, motorcycles, snowmobiles and more. Standard car insurance coverage is available, as are optional add-ons like collision, comprehensive, uninsured/underinsured motorist, rental reimbursement, towing, customization, and safety glass coverages.

3. Nodak Mutual

Based in Fargo, North Dakota, Nodak car insurance offers drivers the opportunity to save on their premiums with several standard discounts and the Drive4Less usage-based insurance program. Coverage options include collision, comprehensive, bodily injury and property damage liability, personal injury protection, uninsured/underinsured motorist and new car replacement.

4. Allied

Allied is a Nationwide company that sells insurance through independent agents. In addition to standard car insurance, customers can choose from additional coverage options, including medical payments coverage, uninsured/underinsured motorist insurance and personal injury protection. Allied isn’t available in all states.

5. American Family

American Family is based in Wisconsin and offers standard car insurance policies and optional add-ons in select states. Prospective customers can save up to 25% when they bundle auto, home and life insurance policies. You can get a customized quote online or work with an independent agent in person or over the phone. Learn more about American Family.

Cheapest full-coverage car insurance in North Dakota

Full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. North Dakota mandates a minimum 25/50/25 auto insurance policy, which is not considered full coverage. But your lender may require collision and comprehensive coverages if you’re financing your car.

The following companies have the lowest estimated rates for drivers interested in full coverage insurance.

5 cheapest full-coverage car insurance companies in North Dakota

Cheapest state-minimum car insurance in North Dakota

If you’re looking for a more basic insurance policy, you may want state-minimum insurance, which is simply the amount of insurance required by the state.

Here are the five companies that have the lowest estimated rates for drivers interested in state-minimum coverage only.

5 cheapest car insurance companies in North Dakota for state-minimum coverage

Cheapest car insurance for good credit in North Dakota

Your credit is one of the many factors that insurers consider when determining the cost of your car insurance. Generally, drivers with higher credit scores will pay less for their car insurance.

Here are the companies with the lowest estimated rates for drivers with good credit.

5 cheapest car insurance companies in North Dakota for those with good credit

Cheapest car insurance for poor credit in North Dakota

Likewise, drivers considered to have poor credit may find themselves paying more for car insurance than those with good credit. But there are other ways to keep your costs low, like maintaining a safe driving record.

The following companies have the lowest estimated rates on basic coverage for drivers with poor credit.

5 cheapest car insurance companies in North Dakota for those with poor credit

Cheapest car insurance for drivers with multiple claims in North Dakota

Your claims history can also impact the cost of car insurance. Usually, drivers with clean driving histories and no claims will pay less for insurance than drivers with multiple claims on their records.

These companies offer the lowest estimated rates for drivers with multiple insurance claims.

5 cheapest car insurance companies in North Dakota for multiple claims

Cheapest car insurance for young drivers in North Dakota

Finally, younger drivers may have more expensive insurance policies than older drivers because insurance companies tend to view them as riskier. Ultimately, your rates should go down as you age and maintain a record of safe driving.

The following companies have the lowest estimated rates for young drivers between the ages of 18 and 21.

5 cheapest car insurance companies in North Dakota for young drivers

North Dakota auto insurance requirements

North Dakota law requires a minimum of $25,000 per person and $50,000 per accident of bodily injury liability, plus an additional $25,000 per accident of property damage liability. Drivers must also carry $25,000 per person and $50,000 per accident worth of uninsured motorist coverage and an equal amount of underinsured motorist coverage. Finally, North Dakota drivers must carry at least $30,000 of basic no-fault insurance, or personal injury protection, which provides coverage for economic loss.

Is usage-based insurance available in North Dakota?

Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior. North Dakota drivers may be able to save money by tracking their safe driving habits through their insurers’ UBI programs.

FAQs about the cheapest car insurance rates in North Dakota

Methodology

This article’s estimated rates are the lowest for minimum coverage based on the profile of a driver age 36 to 45 living in North Dakota. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.

The average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes North Dakota-mandated 25/50/25 no-fault insurance policy.