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Cheap Auto Insurance Quotes in North Dakota (January 2022)
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Last Updated: January 2022
Car Insurance savings for all of North Dakota's drivers and Rough Riders
Hills, buttes, and craggy Badlands challenge the state’s 750,000 residents to take an unpaved road to the great outdoors. After mountain biking Maah Daah Hey Trail, ice fishing at Devil’s Lake, or enjoying everything frigid and frosty—why not hop in the car for some food?
Before you get a slice of New York-style thin-crust from Spicy Pie, a pistachio-crusted lamb rack from Mezzaluna, or day boat sea scallops from Maxwells—are you getting the best deal on car insurance?
Cheapest Car Insurance in North Dakota
Here are the cheapest companies 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.
| Cheapest Companies | |
|---|---|
Progressive | $19/mo |
 Allstate | $49/mo |
 State Farm | $55/mo |
 The General | $113/mo |
 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 company reviews. The following are the top rated companies that offer car insurance in North Dakota. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
American Family | $141/mo | |
State Farm | $55/mo | |
Allstate | $49/mo | |
Progressive | $19/mo |
Car Insurance in North Dakota
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in North Dakota to find you the cheapest quotes in each of these metropolitan areas.
By a large margin, Fargo is North Dakota's most populous city.
Quotes by Top Companies
Quotes ($/mo)
$21
$58
$59
$113
$142
ProgressiveState FarmAllstateThe GeneralAmerican Family
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Fargo | Progressive | $21/mo |
| Bismarck | Progressive | $46/mo |
| Grand Forks | Progressive | $46/mo |
| Minot | Progressive | $49/mo |
| West Fargo | Progressive | $46/mo |
| Williston |  Allstate | $49/mo |
| Dickinson | Progressive | $21/mo |
| Mandan | Progressive | $21/mo |
| Jamestown | Progressive | $19/mo |
| Wahpeton | Progressive | $48/mo |
| Devils Lake | Progressive | $23/mo |
| Valley City | Progressive | $23/mo |
Cheapest Liability Auto Insurance in North Dakota
For drivers in North Dakota, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in North Dakota. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in North Dakota.
| Cheapest companies | |
|---|---|
 Midvale Home & Auto | $68/mo |
 Safeco | $92/mo |
The General | $127/mo |
 Nationwide | $132/mo |
Cheapest Full Coverage Auto Insurance in North Dakota
For drivers in North Dakota, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in North Dakota. The following are the best insurance rates from carriers that offer full coverage auto insurance in North Dakota.
| Cheapest companies | |
|---|---|
Midvale Home & Auto | $139/mo |
Nationwide | $156/mo |
Safeco | $187/mo |
The General | $211/mo |
North Dakota Driving Facts
Minimum Car Insurance Requirements in ND
The state of North Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. It accepts both written and electronic documentation.
The minimum bodily injury liability insurance requirements in North Dakota are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that North Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liability insurance requirements in North Dakota are:
- $25,000 property damage liability per accident
Property damage liability coverage pays for any property that you damage in an accident. The state of North Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
- $30,000 personal injury protection (PIP) per person per accident
North Dakota is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. North Dakota PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $30,000 for the minimum coverage requirements.
What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 6.8 percent or just over one out of fifteen, North Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:
- $25,000 uninsured/underinsured motorist bodily injury per person
- $50,000 uninsured/underinsured motorist bodily injury per accident
Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.
Cheapest Car Insurance Quotes in North Dakota by Profile
Here are the cheapest insurance companies in North Dakota based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For North Dakota drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in North Dakota, at $19 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $19/mo |
Allstate | $49/mo |
State Farm | $55/mo |
The General | $113/mo |
American Family | $141/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
American Family | $28/mo |
Grinnell Mutual | $28/mo |
State Farm | $33/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
USAA | $21/mo |
Grinnell Mutual | $28/mo |
State Auto | $28/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
American Family | $19/mo |
USAA | $20/mo |
Grinnell Mutual | $28/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of North Dakota, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $15 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, North Dakota 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young North Dakotans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
USAA | $15/mo |
American Family | $16/mo |
North Star | $23/mo |
SR-22 Insurance in North Dakota
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of North Dakota on your behalf.
ND DMV Information
The North Dakota Department of Transportation (NDDOT) has twenty drivers license sites (DLSs) to serve the state. They all have different hours and date availability. You’ll want to check on the website for the most up-to-date schedule. The DLSs are walk-in-friendly, and you can schedule a driving test appointment online.
The online lets you skip the drive and amongst other services you can:
- Change your address
- Check driver’s license status
- Download your driving record
- Pay a reinstatement fee
- Register as an organ donor
- Replace, renew, or update your driver’s license, permit, or ID card.
- Schedule a driving test
For more detailed rates on specific personas and driving histories, use our North Dakota insurance rate resources.
Insurify Insights: How North Dakota Drivers Measure Up
Moving Violations Rank
North Dakota
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how North Dakota drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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. Among all fifty states, North Dakota drivers rank 44 in the number of car accidents per driver.
- Rank of States: #44
- Percent of drivers in North Dakota with an accident: 8.22%
- Drivers in ND with an accident in their driving history paid on average 54.03% more than drivers with a clean record
Speeding in North Dakota
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. North Dakota drivers rank 18 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #18
- Percent of drivers in North Dakota with a speeding ticket: 11.09%
- Drivers in ND with a speeding ticket in their driving history paid on average 54.84% more than drivers with a clean record
DUI/DWIs in North Dakota
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Dakota drivers rank 1 in the number of DUI’s per driver across all fifty states.
- Rank of States: #1
- Percent of drivers in North Dakota with a DUI: 5.24%
- Drivers in ND with a DUI in their driving history paid on average 56.45% more than drivers with a clean record
Most Popular Vehicle in North Dakota
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in North Dakota is the Ford F-Series Pickup.
Rude in North Dakota
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, North Dakota drivers rank 13 in rude driving infractions.
- Rank of States: #13
- Percent of drivers in North Dakota with a reckless driving violation: 1.98%
- Drivers in ND with a reckless driving violation in their driving history paid on average 29.84% more than drivers with a clean record.
Safest Drivers in North Dakota
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; North Dakota drivers rank 35 in clean driving records across all fifty states.
- Rank of States: #35
- Percent of drivers in North Dakota with clean record: 78.51%
Street Racing in North Dakota
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, North Dakota drivers rank 1 in street racing violations per driver.
- Rank of States: #1
- Percent of drivers in North Dakota with a street racing violation: 0.04%
Failure to Yield the Right of Way in North Dakota
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Dakota drivers rank 29 in failure to yield violations per driver across all fifty states.
- Rank of States: #29
- Percent of drivers in North Dakota with a failure to yield violation: 0.35%
- Drivers in ND with a failure to yield violation in their driving history paid on average 3.23% more than drivers with a clean record
Reckless Drivers 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. Among all fifty states, North Dakota drivers rank 2 in the number of reckless driving offenses per driver.
- Rank of States: #2
- Percent of drivers in North Dakota with a reckless driving offense: 0.39%
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.
Minot
% of Hybrids / Electrics
1%
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
FAQs - North Dakota Car Insurance
What happens if I get caught driving uninsured in North Dakota?
The penalties in North Dakota can be harsh. If you get caught, you can be fined between $150 and $1,000. You’ll be charged with a Class B misdemeanor. Your license will be suspended until you provide proof of insurance. You must pay up to $80 in reinstatement and other fees. You also must maintain an SR-22 filing for one year.
How is fault assigned after a car accident in North Dakota?
North Dakota is a no-fault state. That means that your own insurance company pays for your expenses, including medical costs and work loss regardless of fault or who caused the accident.
Does car insurance cover flood damage in North Dakota?
Before you sandbag for you and the neighbors, you’ll be happy to know your comprehensive coverage protects your vehicle. You still must pay a deductible before any coverage applies, but you are protected.
Who has the cheapest car insurance in North Dakota?
The best way to find the cheapest car insurance for North Dakota drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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