Best Cheap Auto Insurance in North Dakota (2023)

On average, North Dakota drivers pay $152 per month for auto insurance, which is about 40% less than the national average of $212 per month. The state’s relatively low population density likely contributes to its relatively low car insurance rates — it ranks 47th in the country, with 779,261 residents in 69,000 square miles of land.^{[1] [2]}

Besides your location and the insurer you choose, other factors that affect car insurance costs include your age, driving record, credit history, and more. Here’s what you should know about how auto insurance premiums fluctuate based on these unique factors to find the cheapest coverage for you in North Dakota.

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Best car insurance companies in North Dakota

Every driver has a unique situation that affects car insurance costs. Some of the best car insurance companies in North Dakota consistently offer low premiums for different coverage levels and many types of drivers.

As a driver, shopping around for quotes from different insurers is the best way to find the cheapest insurance. Below, you’ll find information on some of the best insurance companies available in North Dakota.

Best for cheap rates: Midvale Home & Auto

Best for high-risk drivers: The General

Best for safe drivers: Safeco

Cheapest liability-only car insurance in North Dakota

Liability-only auto insurance covers the vehicle damage or bodily injuries you cause to another party in an accident. For example, your liability insurance might help cover the other driver’s medical bills. This insurance option is often the cheapest coverage level. This type of policy won’t cover your vehicle or medical payments after an accident.^[5]

Compare the cheapest options for liability coverage in North Dakota below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
Bristol West	78
The General	95

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in North Dakota

In addition to liability coverage, a full-coverage policy includes both comprehensive and collision coverage. Collision coverage helps you repair or replace your vehicle after an accident. Comprehensive coverage helps pay for repairs after a noncollision incident, like a fallen tree or a hailstorm.

Your auto lender, if you have one, may require you to purchase full coverage. But even if you don’t need to carry it, the increased coverage can help you protect your vehicle.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
The General	138
Bristol West	178

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in North Dakota

North Dakota law requires drivers to carry a minimum amount of car insurance. Without this minimum coverage, it’s illegal to operate a vehicle on public roadways. In this no-fault state, you also need to carry a minimum amount of uninsured motorist coverage and personal injury protection (PIP).

In the table below, you can find the state minimums mandated by North Dakota law.

For additional vehicle protection, you may want to consider the following optional insurance coverages:

Collision coverage

If you have an accident, this coverage kicks in to cover the cost of your vehicle damage, regardless of fault.

Comprehensive coverage

This insurance covers vehicle damage from a non-collision incident, including from severe weather, vandalism, fire, and more.

Roadside assistance coverage

Though specifics vary by insurance company, this coverage typically includes roadside towing, lockout service, tire change, jump starts, gas delivery, and more, if needed.

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Cheapest car insurance for drivers with an incident

Occasional mistakes on the road happen, and they can turn into incidents on your record. Speeding tickets, driving under the influence charges, and at-fault accidents can lead insurance companies to consider you a high-risk driver. In general, this means drivers with an incident pay more for car insurance than drivers with a clean record.

Cheapest car insurance for drivers with a speeding ticket

Despite its relatively small population, North Dakota leads the nation in street racers, according to Insurify data. Nearly 70 out of every 100,000 North Dakota drivers have a street racing violation on their records.

When you get a speeding ticket, the attached fine is only the first cost you face. You’ll likely also end up paying a bit more for car insurance — especially if you have multiple or frequent speeding tickets.

Here’s a look at the average monthly quotes offered by North Dakota insurers for drivers with a speeding ticket.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
The General	208
Bristol West	268

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

After an at-fault car accident, you’ll likely pay higher rates for car insurance than drivers with a clean record. In many cases, drivers with an at-fault accident pay more than drivers who received a speeding ticket in the past.

You can find the average monthly quotes offered to North Dakota drivers with an at-fault accident below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
The General	178
Bristol West	229

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Due to the severity of this moving violation, a DUI can significantly increase your car insurance premiums. Not only will you likely pay more for auto insurance than drivers with a clean record, but you may also pay more than drivers with a speeding ticket or at-fault accident on their driving record.

The North Dakota insurers below offer coverage to drivers with a DUI.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
The General	205
Bristol West	265

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Insurance companies consider your age when determining auto insurance premiums. In general, drivers start to enjoy much lower rates after turning 35 and gradually save more as they age. But around the age of 75, many drivers begin to see slight increases in their car insurance prices.

Regularly shopping around for auto insurance can help you find the best available rates. You can compare some of the cheapest average quotes for North Dakota senior drivers below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
The General	87
Bristol West	113

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Many insurance companies charge teenagers and young drivers higher car insurance costs due to their lack of experience on the road.

But even teenage drivers shouldn’t have to overpay for car insurance. A few ways to cut back on your car insurance costs include driving a safer vehicle, maintaining good grades, increasing your deductible, and sticking with your parents’ insurance company.^[6]

Find some of the cheapest car insurance options for North Dakota teen drivers below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
The General	250
Bristol West	322

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in North Dakota

You can’t completely avoid the cost of car insurance, but you can take action to lock in the best possible price. Take advantage of the strategies below:

• Ask for a discount. Most insurers offer some discount opportunities. A few popular discounts reward safe drivers and good students. It’s a good idea to ask if you qualify for savings.

• Bundle policies. Households that bundle multiple policies can often earn savings. For example, you can earn a discount by getting your homeowners insurance, life insurance, or other additional coverages through the same insurance company you buy auto coverage from.

• Increase your deductible. When you increase your deductible, you typically earn lower car insurance premiums. Make sure you can afford to cover the new deductible before moving forward.

• Opt for minimum coverage. The coverage level you choose affects your annual premiums. If you feel comfortable buying liability-only car insurance, you can save money on coverage.

• Shop around. When you compare quotes from multiple insurance companies, you can determine which offers the best price for your situation.^[7]

Find Cheap Car Insurance in North Dakota

Enter your ZIP codeGet My Quotes

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North Dakota car insurance quotes by credit tier

In the Peace Garden State, car insurance companies can consider your credit score when determining your premiums. In general, drivers with excellent or good credit scores pay less for car insurance than drivers with fair or poor credit scores.

If you want to improve your credit score to tap into the cheapest premiums, you can work on paying all your bills on time and reviewing your credit report for any mistakes. Here’s what North Dakota drivers pay for car insurance on average by credit tier.

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.