Cheapest Car Insurance in North Dakota

Here are the cheapest carriers in North Dakota for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in North Dakota.

Companies Quotes
Progressive

Progressive
$19 /mo
Allstate

Allstate
$49 /mo
State Farm

State Farm
$55 /mo
The General

The General
$113 /mo
American Family

American Family
$141 /mo

Best Car Insurance in North Dakota

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in North Dakota. For the complete list, see Insurify's best car insurance companies.

Companies Insurify
Composite Score 		Quotes

American Family
90
$141 /mo

Allstate
87
$49 /mo

State Farm
84
$55 /mo

Progressive
81
$19 /mo

Car Insurance in North Dakota

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in North Dakota to find you the cheapest quotes in each of these metropolitan areas.

By a large margin, Fargo is North Dakota's most populous city.

City Cheapest Carrier Quote
Fargo
Progressive

Progressive
$21 /mo
Bismarck
Progressive

Progressive
$46 /mo
Grand Forks
Progressive

Progressive
$46 /mo
Minot
Progressive

Progressive
$49 /mo
West Fargo
Progressive

Progressive
$46 /mo
Get Quotes

North Dakota Driving Facts

North Dakota's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
#2
States with Most
DUIs Rank
moving violations
#2
States with Most
Moving Violations Rank
popular car
Ford F-Series Pickup
Most Popular Car in
North Dakota
speeding violations
#4
States with Most
Speeding Tickets Rank
suspended licenses
#1
States with Most
Suspended Licenses Rank

Greenest Cities in North Dakota

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of North Dakota offers many green driver incentives, including federal tax credits, free low-speed vehicle registration, and discounts through some car insurance carriers.

green city award

Fargo

most patriotic
% of Hybrids/Electrics 2%

Most Patriotic City

Fargo

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Fargo won Insurify's Most Patriotic Cities Award for the state of North Dakota.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in North Dakota is vital for all car insurance shoppers hitting the road in The Peace Garden State.

Road Rankings

8% Rural Roads in
Poor Condition

#20 Ranked

16% Structurally Deficient
Rural Bridges

#4 Ranked

1% Fatality Rate per 100M VMT
on Rural Roads

#12 Ranked

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