120+ more*Quotes generated for Insurify users from North Dakota within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from North Dakota within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
North Dakota drivers pay an average of $65 per month for liability-only car insurance and $104 per month for full-coverage policies, according to Insurify data.
Compared to the rest of the country, drivers in North Dakota pay relatively low car insurance costs. The state may have low average rates due to its relatively low population density and low fatal crash rate.[1] [2]
In the table below, you’ll see the cheapest car insurance companies in North Dakota, broken down by driver details, like driving history and age.
Driver Category | Cheapest Insurance Company in ND | Cheapest Monthly Quote in ND |
|---|---|---|
| Overall | Auto-Owners | $23 |
| State-minimum coverage | Auto-Owners | $23 |
| Full coverage | Auto-Owners | $43 |
| Drivers with a clean record | Auto-Owners | $23 |
| After a speeding ticket | Auto-Owners | $30 |
| After an at-fault accident | Auto-Owners | $29 |
| After a DUI | Auto-Owners | $33 |
| Teen/new drivers | USAA | $45 |
| Seniors | Auto-Owners | $19 |
| Bad credit | USAA | $28 |
If you want to drive in North Dakota, you’ll need to have a minimum amount of liability car insurance to do so legally. The required liability coverage protects you financially after a crash by paying to repair or replace the other driver’s damages and related medical bills.
Auto-Owners and State Farm offer North Dakota drivers some of the most affordable state-minimum liability coverage. But you can explore several affordable liability insurers for North Dakota drivers in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $23 |
| State Farm | $24 |
| USAA | $24 |
| American Family | $32 |
| GEICO | $47 |
| National General | $51 |
| Farmers | $51 |
| Allstate | $54 |
| State Auto | $56 |
| Bristol West | $66 |
| Direct Auto | $68 |
| Safeco | $79 |
| Root | $81 |
| The General | $101 |
)
Anuj Desai
Digital Insurance Agent, Insurify
North Dakota’s state-minimum liability insurance alone won’t provide any coverage for your vehicle if you have a car accident. You need to purchase a full-coverage policy with comprehensive and collision coverage, as well as higher liability limits, to protect your vehicle and avoid costly out-of-pocket expenses.
North Dakota drivers can take their financial protection to the next level by purchasing full-coverage car insurance, which includes collision and comprehensive coverage in addition to liability coverage. This more robust coverage can help you pay to repair or replace your vehicle after a covered incident in North Dakota, such as hail damage or hitting a deer.
Auto-Owners and State Farm offer some of the most affordable full-coverage car insurance for drivers in the Peace Garden State. On average, North Dakota drivers pay $104 per month for full-coverage insurance.
Here’s a look at the cheapest full-coverage rates for North Dakota drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $43 |
| State Farm | $44 |
| USAA | $44 |
| American Family | $59 |
| GEICO | $86 |
| National General | $94 |
| Farmers | $94 |
| Allstate | $100 |
| Direct Auto | $100 |
| State Auto | $104 |
| Root | $126 |
| Safeco | $130 |
| Bristol West | $137 |
| The General | $166 |
*Quotes generated for Insurify users from North Dakota within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from North Dakota within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The right car insurance company for you varies based on your situation. But some auto insurance companies consistently offer better options to North Dakota drivers, making them a good place to start your search for coverage.
Learn about a few of the best car insurance companies in North Dakota below.
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $23/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $43/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners is one of the most affordable insurers in North Dakota, and it has high marks for customer service and claims handling. It earned an above-average customer satisfaction rating in the Central region in the J.D. Power U.S. Auto Insurance Study.
In addition to standard coverages, Auto-Owners offers optional coverages, like roadside assistance and rental car coverage. With a robust selection of discounts, Auto-Owners likely has savings opportunities that suit you.
Above-average J.D. Power customer satisfaction rating in the Central region
Below-average number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Many available discounts
Poor Trustpilot rating
Can’t get a quote online
Rideshare coverage not available
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $24/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $44/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm’s large selection of insurance products allows North Dakota drivers to handle all their insurance needs in one place. If you enjoy working with an in-person agent, you’ll find agents available in 21 cities across North Dakota.
One of the most affordable insurers for drivers in North Dakota, State Farm also offers various discounts, including multi-car and good student discounts. In addition to auto insurance, State Farm offers life insurance, home insurance, renters insurance, pet insurance, and more. Bundling your policies together can help you save time and money.
No. 2 for customer satisfaction rating in the Central region by J.D. Power
Offers rideshare coverage
Wide range of insurance products available, offering bundling opportunities
Above-average number of complaints with the NAIC
No gap insurance or accident forgiveness
Poor Trustpilot rating
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $59/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
American Family offers a wide variety of discounts to Peace Garden State residents, giving you plenty of opportunities to save money. For families with teen drivers — who account for 5% of drivers in the state — the potential to save on car insurance can make a big difference.
American Family offers North Dakota drivers competitive rates and great customer service. The insurer’s network of exclusive agents across the state can help you navigate your options and ensure you get the best coverage.
Above-average customer satisfaction in the Central region by J.D. Power
Below-average number of customer complaints with the NAIC
AM Best financial strength rating of A (Excellent)
More expensive than some competitors
Many negative mobile app reviews
Poor customer rating on the Better Business Bureau (BBB) website
North Dakota car insurance costs have trended downward during the last couple of years. Rates decreased by 5% in 2024.
At the end of 2025, the average annual cost of full-coverage insurance in North Dakota was $1,153. Insurify projects that car insurance rates in North Dakota will decrease by 0.6%, to $1,147, by the end of 2026.
The table below highlights the average car insurance rates in North Dakota over the last five years.
)
Compare quotes from top auto insurers
North Dakota law requires drivers to have a minimum amount of liability coverage. Without this minimum coverage, you can’t legally operate a vehicle on public roadways. In this no-fault state, you also need to purchase a minimum amount of uninsured motorist coverage and personal injury protection (PIP).[3]
In the table below, you can find the state minimums mandated by North Dakota law.
Coverage | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
| Personal injury protection | $30,000 per person |
North Dakota is one of the least-populated U.S. states. It has a low population density and less traffic congestion than most states. But in the state’s more populous cities, drivers can still experience traffic during rush hour and other busy times.
Below, you can compare average auto insurance quotes for two of North Dakota’s most populous cities.
City | Average Monthly Quote |
|---|---|
| Fargo | $90 |
| Grand Forks | $79 |
North Dakota drivers with a clean driving record free of speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions often pay the lowest car insurance rates. Drivers with clean records are most likely to find the cheapest rates through Auto-Owners and State Farm.
The table below shows the lowest liability auto insurance rates for North Dakota drivers with clean driving records and good credit histories.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $21 |
| State Farm | $22 |
| USAA | $22 |
| American Family | $30 |
| GEICO | $45 |
| National General | $45 |
| Farmers | $47 |
| State Auto | $50 |
| Allstate | $52 |
| Direct Auto | $62 |
| Bristol West | $62 |
| Root | $78 |
| Safeco | $81 |
| The General | $92 |
Speeding on the open road in North Dakota can result in a speeding ticket of up to $195, depending on how fast you were going.[4] Upon policy renewal, you might also face higher car insurance costs.
On average, North Dakota drivers with a speeding ticket pay $81 per month for liability car insurance.
The table below highlights the cheapest liability car insurance quotes for North Dakota drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $30 |
| Auto-Owners | $30 |
| USAA | $31 |
| American Family | $41 |
| GEICO | $61 |
| National General | $63 |
| Farmers | $65 |
| Allstate | $70 |
| State Auto | $74 |
| Bristol West | $83 |
| Direct Auto | $85 |
| Safeco | $103 |
| Root | $107 |
| The General | $134 |
North Dakota had more than 9,800 car accidents in 2024.[5] On average, North Dakota drivers with an at-fault accident pay $78 per month for liability car insurance.
The data below highlights the lowest liability rates for drivers with an at-fault accident in North Dakota.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $29 |
| State Farm | $30 |
| USAA | $31 |
| American Family | $41 |
| GEICO | $58 |
| National General | $65 |
| Farmers | $65 |
| Allstate | $69 |
| State Auto | $73 |
| Bristol West | $83 |
| Direct Auto | $89 |
| Root | $103 |
| Safeco | $106 |
| The General | $133 |
As in all states, a DUI in North Dakota results in serious penalties. Depending on the blood alcohol content (BAC) level, first-time offenders may face fines of up to $500, two days of imprisonment, a license suspension of 91 to 180 days, or an addiction evaluation.[6]
Additionally, North Dakota drivers face higher car insurance costs after a DUI, with an average of $92 per month for liability insurance.
The table below highlights the cheapest liability-only premiums for North Dakota drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $33 |
| State Farm | $35 |
| USAA | $35 |
| American Family | $46 |
| GEICO | $67 |
| National General | $74 |
| Farmers | $74 |
| State Auto | $76 |
| Allstate | $78 |
| Bristol West | $96 |
| Direct Auto | $99 |
| Root | $118 |
| Safeco | $122 |
| The General | $146 |
The state of North Dakota may require you to file an SR-22 insurance certificate after serious traffic convictions, like a DUI, driving without insurance, and more.[7] Essentially, this document confirms proof of financial responsibility.
North Dakota drivers who need this documentation typically pay more for car insurance, at an average of $73 per month for liability only coverage.
The table below reveals the cheapest liability rates for drivers with an SR-22 in North Dakota.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $26 |
| State Farm | $27 |
| USAA | $27 |
| American Family | $36 |
| GEICO | $53 |
| National General | $57 |
| Farmers | $57 |
| Allstate | $61 |
| State Auto | $63 |
| Bristol West | $74 |
| Direct Auto | $77 |
| Safeco | $89 |
| Root | $91 |
| The General | $114 |
Insurify partners with top insurers for real quotes
Teen drivers in North Dakota can drive on their own at age 16, as long as they’ve received a driver’s license.[8] But with limited experience behind the wheel, teen drivers face significantly higher car insurance premiums than older drivers.
On average, young drivers in North Dakota pay $120 per month for liability car insurance. The table below shows the cheapest liability auto insurance quotes for North Dakota teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $45 |
| State Farm | $47 |
| Auto-Owners | $47 |
| American Family | $61 |
| GEICO | $85 |
| Farmers | $102 |
| National General | $104 |
| Allstate | $108 |
| Bristol West | $119 |
| Direct Auto | $132 |
| State Auto | $137 |
| Root | $141 |
| Safeco | $160 |
| The General | $178 |
Senior drivers have more experience behind the wheel. But age-related concerns could make driving hazardous for this age group. In fact, nearly 100 drivers aged 65 or older died in car accidents in North Dakota over the last five years.[9]
North Dakota drivers in their 60s pay an average of $63 per month for auto insurance.
The table below provides an overview of the most affordable car insurance companies for senior drivers in North Dakota.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $19 |
| State Farm | $20 |
| USAA | $21 |
| American Family | $27 |
| GEICO | $40 |
| National General | $43 |
| Farmers | $43 |
| State Auto | $45 |
| Allstate | $47 |
| Direct Auto | $58 |
| Bristol West | $58 |
| Root | $72 |
| Safeco | $73 |
| The General | $90 |
North Dakota allows insurance companies to consider your credit history when determining your car insurance premiums. Insurers can also look at your credit as a reason whether to sell you a policy or not, although it can’t be the only reason they refuse coverage.[10]
North Dakota drivers with good credit typically pay less than drivers with poor credit. Drivers with poor credit in the state pay an average of $74 per month for liability car insurance, while drivers with good credit pay an average of $62 per month.
The table below highlights the cheapest liability auto insurance rates for North Dakota residents with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $28 |
| State Farm | $33 |
| Auto-Owners | $33 |
| American Family | $36 |
| GEICO | $55 |
| National General | $60 |
| Farmers | $60 |
| Allstate | $63 |
| State Auto | $66 |
| Bristol West | $77 |
| Direct Auto | $80 |
| Safeco | $93 |
| Root | $95 |
| The General | $119 |
North Dakota drivers pay $65/mo. for liability coverage
If you’re looking for car insurance in North Dakota, the following information can help you navigate the process more smoothly.
North Dakota requires drivers to buy a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 in property damage liability, $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage, and $30,000 in basic no-fault PIP coverage.
On average, North Dakota drivers pay $84 per month for auto insurance. Liability insurance costs $65 per month, while full-coverage insurance costs $104 per month.
Auto-Owners, State Farm, and USAA offer the most affordable rates in North Dakota. But the cheapest auto insurance company for you will vary based on your situation.
On average, North Dakota drivers pay $104 per month for full-coverage auto insurance.
Yes. North Dakota is a no-fault state for auto insurance. This means you’ll have to have basic no-fault coverage as part of your car insurance policy.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Featured in
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
