Cheap Car Insurance in North Dakota (2023)

Drivers in North Dakota pay around $150 per month on average for car insurance, though certain insurers offer cheaper coverage. Auto insurance in North Dakota is relatively affordable compared to most other U.S. states. In fact, it’s the ninth-cheapest state for car insurance in the country.

If you’re searching for a new policy, comparing quotes can help you find coverage at a price that aligns with your budget.

Best cheap car insurance in North Dakota: Nationwide

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Nationwide

Insurify gathers information on the best cheap car insurance companies in North Dakota and factors it into the Insurify Composite Score (ICS). With an 89 ICS and an average monthly quote of just $120, Nationwide is our top company for cheap auto insurance in North Dakota.

Minimum car insurance requirements in North Dakota

All motor vehicles operated or parked on North Dakota roadways are required to be insured. You must carry proof of insurance in your car at all times and must have it available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The following coverages constitute the minimum liability insurance requirements for private passenger vehicles in North Dakota:^[1]

• $25,000 per person/$50,000 per accident for bodily injury: A major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Dakota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of who caused the accident.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $30,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage or no-fault coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive nonmedical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person/$50,000 per accident for uninsured/underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Dakota, this coverage pays for bodily injury only.

North Dakota DMV information

North Dakota drivers who need assistance will want to contact the North Dakota Department of Transportation (DOT).^[2] The North Dakota DOT lets customers access REAL ID information, driver education requirements, and hours and addresses for local branches. You can also renew your license and motor vehicle registration through the DOT website. If you get a speeding ticket in North Dakota, you can pay it through the North Dakota State Highway Patrol website.^[3]

Public transportation in North Dakota

While larger cities in North Dakota offer bus service, the state doesn’t have a robust public transit system. The best way to get around is by car, though you may be able to live without a car in the Fargo metro area, which offers MATBUS bus service from Monday to Saturday. Rideshare services may also be an option if you prefer not to have a car of your own.

Tips for getting cheap car insurance in North Dakota

Comparing auto insurance quotes is a great way to find the best and least expensive policies in North Dakota. Just remember that your insurance rates will vary based on your age, location, credit score, driving history, and other factors. Using a quote-comparison site can help you save time when you’re shopping around for a new auto policy.

Liability-only vs. full-coverage insurance in North Dakota

If you live in North Dakota, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in North Dakota by policy type.

Some North Dakota drivers may prefer liability-only coverage instead of full coverage. Liability-only coverage could make sense if you drive an older, low-value vehicle. With a liability-only policy, you’ll generally get cheaper premiums. For example, State Auto offers coverage for $54 per month on average. Midvale Home & Auto and Safeco also offer affordable liability-only policies, with drivers paying $70 and $98 per month, respectively.

How your driving history affects North Dakota car insurance rates

North Dakota insurers consider your driving history when calculating your car insurance rates. Drivers with a clean driving record will likely pay less for auto insurance than those with driving violations. But even if you do have an at-fault accident, speeding ticket, or DUI on your record, you can still find companies that offer affordable rates.

Check out the table below for an idea of what drivers with different driving records pay for car insurance in North Dakota. Quotes are sourced from Insurify’s proprietary database of more than 70 million car insurance quotes.

SR-22 insurance in North Dakota

Some states require your insurer to file an SR-22 form on your behalf after a serious traffic violation, like a DUI or reckless driving. Put simply, an SR-22 proves that a driver has met the minimum auto insurance requirements.

How credit scores affect North Dakota car insurance quotes

Your credit score can play a role in your car insurance costs. Drivers in North Dakota with excellent credit will pay less for car insurance than drivers with good, average, or bad credit.

Generally, insurers consider drivers with excellent credit to be less of a financial risk, resulting in lower auto insurance rates for them. North Dakota drivers with excellent credit pay $133 per month on average for coverage, while drivers with bad credit pay $266 per month on average.

How your city affects North Dakota insurance quotes

Where you live in North Dakota will also affect the cost of your car insurance coverage. Drivers in less populated areas, like Dunseith, can expect to pay lower rates than those in more populated areas, like Bismarck and Fargo. Overall, Dunseith drivers get the cheapest average monthly quotes of $80 per month, while drivers in Mandan see the highest rates on average, at $202 per month.

How your age affects your North Dakota car insurance rates

North Dakota teenagers and those under 25 will pay the most for auto insurance coverage out of all age groups. Younger drivers are considered riskier to insure, which means they typically pay more for coverage than older drivers. Teens in North Dakota get the highest average monthly quotes, paying around $239 for coverage. North Dakota drivers in their 60s pay the least, with an average monthly quote of just $87.

Quotes for younger drivers

Drivers under the age of 25 in North Dakota can expect to pay the highest car insurance rates of any age group. Without a proven driving record, these drivers are riskier to insure than other age groups. If you add in an infraction like an accident or a DUI, you can expect car insurance quotes to be even more expensive.

Quotes for middle-aged drivers

Middle-aged drivers in North Dakota generally benefit from cheaper car insurance rates, as they have a proven driving record and safer driving behaviors. Have a look at the cheapest car insurance quotes for middle-aged drivers by driving record below.

Quotes for senior drivers

Senior drivers in North Dakota enjoy the cheapest rates of all age groups. This is because older drivers typically have safer driving behaviors than their younger counterparts and, as such, are less risky to insure.^[4]

North Dakota car insurance FAQs

Insurify Insights

How North Dakota Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in North Dakota below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how North Dakota drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in North Dakota

#13

State with the Most Speeding Tickets Rank

#19

State with the Moving Violations Rank

#1

State with the Most DUIs Rank

#2

State with the most Suspended Licenses

• Accidents in North Dakota

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. North Dakota is the #44 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #44
  • Percent of drivers in North Dakota with an accident: 6.8%
• DUIs in North Dakota

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Dakota is the #1 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #1
  • Percent of drivers in North Dakota with a DUI: 2.8%
• Reckless Driving in North Dakota

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. North Dakota is the #15 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #15
  • Percent of drivers in North Dakota with a reckless driving offense: 1.6%
• Rude Driving in North Dakota

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. North Dakota is the #15 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #15
  • Percent of drivers in North Dakota with a rude driving violation: 1.9%
• Speeding in North Dakota

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. North Dakota is the #13 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #13
  • Percent of drivers in North Dakota with a speeding ticket: 10.7%
• Failure to Yield Rates in North Dakota

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Dakota is the #4 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #4
  • Percent of drivers in North Dakota with a failure to yield violation: 0.4%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.