Best Cheap Auto Insurance in North Dakota (2024)

Midvale Home & Auto, The General, and Safeco offer some of the most affordable rates in the state. Full-coverage insurance costs $195 per month for drivers in North Dakota.

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Cheapest recent rates in North Dakota

Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $104/mo for full coverage in North Dakota.

*Quotes generated for Insurify users from North Dakota within the last 10 days. Last updated on November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. 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 November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated November 20, 2024

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On average, North Dakota drivers pay $119 per month for auto insurance, which is less than the national average of $154 per month. The state’s relatively low population density 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.

Quick Facts
  • 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 $85 per month for liability-only car insurance, which is higher than the average premiums in neighboring South Dakota, but lower than Minnesota at $63 and $104 respectively.

  • North Dakota law allows insurers to consider your credit history when determining premiums.[4]

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.

Insurance Company
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.
Full Coverage
Liability Only
Best For
Midvale Home & Auto3.3$88$78Cheap rates
The General7.3$144$100High-risk drivers
Safeco8.3$125$66Safe drivers
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best for cheap rates: Midvale Home & Auto

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.
3.2 /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.
$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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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
Why we picked this company

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.

Pros
  • Lengthy list of discount opportunities

  • Wide range of coverage options to suit your needs

Cons
  • Poor average customer reviews

  • No discount for safe driving

Best for high-risk drivers: The General

User Reviews
3.5
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.
7.3 /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.
$106/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.
$190/mo
3.5
A solid optionBased on 728 verified guest reviews and ratings
How drivers feel about The General

Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General

Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (409)

Gary

November 7, 2024

Verified Review

Unsatisfactory Service

Getting in touch with a live representative is almost impossible, and when you do, they seem uninformed. I was charged $300 for a policy that provided no coverage. It felt like they were getting paid for doing absolutely nothing.

Jalonda

November 5, 2024

Verified Review

I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.

I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.

Sheri

November 5, 2024

Verified Review

Would Never Recommend

The customer service was very rude and disinterested when I tried to change my policy. They were extremely unhelpful.
See all The General reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69
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
Why we picked this company

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.

Pros
  • Known for working with high-risk drivers

  • Offers SR-22 filings

Cons
  • No auto and home bundling discount

  • Limited coverage options

Best for safe drivers: Safeco

User Reviews
4.5
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.
8.3 /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.
$86/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.
$155/mo
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)

Sarah

November 10, 2024

Verified Review

Too Expensive

The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.

Bonnie

November 2, 2024

Verified Review

The Price of Car Insurance

I'm not happy that I'm paying over $100 per month. My car is a 2013 model.

Harris

October 31, 2024

Verified Review

Just Fine

We have only used them for a flat tire change and windshield replacement.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
808
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
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
Why we picked this company

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.

Pros
  • Wide selection of insurance products

  • Can earn cash back for claims-free periods

Cons
  • Limited selection of discounts

  • Below-average auto claims satisfaction

Find Cheap Car Insurance in North Dakota

Compare rates from 100+ top insurers

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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.[5]

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.[6]

The average rate for liability-only coverage in North Dakota is $85 per month. Compare the cheapest options for liability coverage in North Dakota below.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Root$69
Bristol West$79
Safeco$86
The General$106
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 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 $153 per month in North Dakota.

The table below shows rates for a few popular insurers.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Root$108
Safeco$155
Bristol West$175
The General$190
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 recent rates in North Dakota

Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $104/mo for full coverage in North Dakota.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. 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 November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. 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.

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist$25,000 per person and $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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

Find Cheap Car Insurance in North Dakota

Full-coverage insurance averaging $153/month

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Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualAllstate

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.

After a speeding ticket, North Dakota residents pay $248 on average per month for full coverage, and $138 for liability coverage.

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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Safeco$221
Bristol West$248
The General$272
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.
Check Out: Speeding Toward Trouble: States with the Most Street Racers

Check Out: Speeding Toward Trouble: States with the Most Street Racers

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.

North Dakotans pay $125 on average per month for liability insurance, and $248 for full-coverage insurance after an accident.

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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Safeco$211
Bristol West$240
The General$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 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 will likely pay more than drivers with a speeding ticket or at-fault accident on their driving record.

Drivers with a DUI on their record pay on average $256 per month for full coverage, and $142 for liability-only insurance in North Dakota.

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

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Safeco$239
Bristol West$290
The General$315
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 70, many drivers begin to see slight increases in their car insurance prices because of decreased faculties.

Seniors who hold liability-only insurance pay on average $73 per month in North Dakota, and $131 for full-coverage insurance.

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: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Bristol West$124
Safeco$126
The General$140
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. North Dakota teens pay on average $173 monthly for liability insurance, and $311 for full-coverage insurance.

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.[7]

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

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Safeco$324
Bristol West$324
The General$333
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.
Learn More: What Are the Best Cars for Teens to Drive?

Learn More: What Are the Best Cars for Teens to Drive?

Find Cheap Car Insurance in North Dakota

Average liability rates of $85/month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

North Dakota car insurance quotes by credit tier

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

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.

Rates by Credit Tier

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

North Dakota car insurance FAQs

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.

  • How much is car insurance in North Dakota?

    On average, car insurance in North Dakota is $119 per month. Drivers in the state pay $85 per month for liability insurance and $153 per month for full-coverage insurance. Coverage in the state is more affordable than the national average of $154 per month.

  • What are the best car insurance companies in North Dakota?

    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 8.3, and also has an A financial strength rating from AM Best.

  • Is it illegal to drive without insurance in North Dakota?

    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.

  • Is North Dakota a no-fault 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.

Methodology

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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "Local Census Geography."
  2. U.S. Census Bureau. "Quick Facts: North Dakota."
  3. North Dakota Insurance Department. "Auto."
  4. North Dakota Insurance Department. "Credit Scores and Insurance."
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  6. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  7. Insurance Information Institute. "https://www.iii.org/article/auto-insurance-teen-drivers."
Sarah Sharkey
Sarah SharkeyInsurance Writer

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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Konstantin HalachevVP of Engineering & Data Science
  • 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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