120+ more*Quotes generated for Insurify users from North Dakota within the last 10 days. Last updated on July 17, 2025. 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 July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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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.
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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.
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On average, North Dakota drivers pay $99 per month for auto insurance, which is less than the national average of $149 per month. The state’s low population density contributes to its relatively low car insurance rates — it ranks 47th in the country, with 800,000 residents in 69,000 square miles of land.[1] [2]
Here’s what you should know about finding car insurance in the Peace Garden State.
North Dakota is a no-fault state, so drivers must purchase personal injury protection, plus a minimum amount of liability, uninsured motorist, and underinsured motorist coverage.[3]
On average, North Dakota drivers pay $75 per month for liability-only car insurance, which is higher than the average premiums in neighboring South Dakota but lower than Minnesota, at $59 and $100 respectively.
North Dakota drivers pay a yearly average of $1,479 for full-coverage insurance.
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.
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| 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. | NR |
| 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. | $78/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. | $138/mo |
Midvale Home & Auto offers North Dakota drivers the most affordable average quotes for full-coverage and liability car insurance. In addition to auto insurance, the company sells condo, renters, and home insurance. And customers can save by bundling multiple insurance products.
Other saving opportunities include good student, paperless payments, automatic payments, and full-pay discounts.
Lengthy list of discount opportunities
Wide range of coverage options to suit your needs
Poor average customer reviews
No discount for safe driving
| User Reviews | 3.4 |
|---|---|
| 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. | 7.1 /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. | $103/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. | $164/mo |
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
Paying too much a month with no tickets or accidents
It's okay
Monthly payment increases
The General is known for working with high-risk drivers to provide relatively affordable insurance options. North Dakota drivers with past traffic incidents can find coverage through The General. Policyholders can earn multi-vehicle, safety feature, and recent auto insurance discounts. The company offers standard coverage options.
Known for working with high-risk drivers
Offers SR-22 filings
No auto and home bundling discount
Limited coverage options
| User Reviews | 4.4 |
|---|---|
| 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. | 8.1 /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. | $80/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. | $127/mo |
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Good coverage at a high price
Driving 2,000 miles last year has become very expensive with latest insurance rates
DC insurance
Safeco also offers cheap car insurance quotes in North Dakota. In addition to auto insurance, the company sells home, business, and other vehicle insurance. Safeco offers a number of savings options for drivers who maintain clean records over a period of months or years, including accident forgiveness, claims-free cash back, and diminishing deductible.
Wide selection of insurance products
Can earn cash back for claims-free periods
Limited selection of discounts
Below-average auto claims satisfaction
You can’t completely avoid the cost of car insurance, but you can take action to lock in the best possible price by following the strategies below:[4]
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 policies 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 if you need to file a claim.
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.
Compare quotes from 120+ top insurers
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. This type of policy won’t cover your vehicle or medical payments after an accident.
The average rate for liability-only coverage in North Dakota is $75 per month. Compare the cheapest companies for liability coverage in North Dakota 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 | $30 |
| USAA | $31 |
| State Farm | $31 |
| American Family | $41 |
| GEICO | $60 |
| Farmers | $66 |
| Allstate | $69 |
| Direct Auto | $70 |
| State Auto | $72 |
| Root | $74 |
| Bristol West | $75 |
| Safeco | $80 |
| The General | $103 |
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 non-collision 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. On average, full-coverage insurance costs $123 per month in North Dakota.
The table below shows rates for a few popular insurers.
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 | $31 |
| USAA | $32 |
| State Farm | $32 |
| American Family | $43 |
| GEICO | $63 |
| Farmers | $69 |
| Allstate | $73 |
| State Auto | $75 |
| Direct Auto | $120 |
| Safeco | $127 |
| Root | $133 |
| Bristol West | $151 |
| The General | $164 |
*Quotes generated for Insurify users within the last 10 days. Last updated on July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurance companies consider your age when determining auto insurance premiums.
Many insurance companies charge teenagers and young drivers higher car insurance costs due to their lack of experience on the road.
In general, drivers start to pay much lower rates after turning 25 and gradually save more as they age. But around age 70, many senior drivers begin to see slight increases in their car insurance prices due to age-related risk factors.
Age Group | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Teen drivers | $163 | $268 |
| Adult drivers | $69 | $113 |
| Senior drivers | $71 | $117 |
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.
Coverage | Minimum Requirements |
|---|---|
| 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 accident |
For additional vehicle protection, you may want to consider the following optional insurance coverages:
If you have an accident, collision insurance kicks in to cover the cost of your vehicle damage, regardless of fault.
Comprehensive insurance covers vehicle damage from a non-collision incident, including from severe weather, vandalism, fire, and more.
Though specifics vary by insurance company, roadside assistance coverage typically includes roadside towing, lockout service, tire change, jump starts, gas delivery, and more, if needed.
Occasional mistakes on the road happen, and they can turn into incidents on your record. Speeding tickets, driving under the influence (DUI) 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.
For example, North Dakota drivers with a clean record pay an average of $75 per month for liability insurance. That rate increases to $121 per month for North Dakota drivers with a DUI.
See how insurance rates can change by driving incident 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 | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| Auto-Owners | $38 | $39 | $47 |
| State Farm | $38 | $41 | $49 |
| USAA | $39 | $41 | $49 |
| American Family | $52 | $54 | $64 |
| GEICO | $77 | $75 | $94 |
| Farmers | $82 | $87 | $104 |
| Allstate | $86 | $91 | $108 |
| Direct Auto | $88 | $95 | $110 |
| State Auto | $91 | $96 | $113 |
| Bristol West | $95 | $99 | $118 |
| Root | $97 | $97 | $116 |
| Safeco | $102 | $111 | $128 |
| The General | $136 | $142 | $162 |
Liability rates average $75 per month
Where you live in North Dakota affects how much you pay for car insurance. Check out liability and full-coverage rates for different North Dakota cities 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.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Grand Forks | $81 | $117 |
| Fargo | $82 | $127 |
Finding coverage in North Dakota doesn’t need to feel overwhelming. The information below should help you navigate the process of finding affordable car insurance in the state.
On average, car insurance in North Dakota is $99 per month. Drivers in the state pay $75 per month for liability insurance and $123 per month for full-coverage insurance. Coverage in the state is more affordable than the national average of $149 per month.
The best car insurance companies in North Dakota include Safeco, The General, and Midvale Home & Auto. Safeco earned the highest IQ Score of the three insurers, at 8.1, and also has an A financial strength rating from AM Best.
Yes. Driving without insurance is illegal in the state. North Dakota drivers must carry minimum amounts of bodily injury liability, property damage liability, uninsured/underinsured motorist, and PIP coverage. If you fail to do so, you have to pay a fine of at least $150 and file an SR-22 form with the state.
Yes. North Dakota is a no-fault state, which means the insurers of both drivers involved in an accident cover the medical costs associated with the collision, regardless of fault. Each driver will file a claim with their insurer for their injuries.
Insurify data scientists analyzed more than 90 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.
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Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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.
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