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Cheap Auto Insurance Quotes in Minot, ND (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022


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Quick Facts

  • The average cost of car insurance in Minot is $142 per month, or $1704 annually.
  • Car insurance in Minot is $22 less than the average cost of car insurance in North Dakota.
  • The cheapest car insurance provider in Minot on average is State Auto, but you should always compare quotes to find your best personal rate.

Car Insurance in Minot, ND

The average cost of North Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Minot, ND to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
The General
American Family

Cheapest Car Insurance in Minot, ND

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in MinotQuotes
Progressive$49 /mo
Allstate$53 /mo
State Farm$76 /mo
The General$140 /mo
American Family$161 /mo

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Average Car Insurance Cost

North Dakota Cities
Grand Forks$77/mo
West Fargo$88/mo
North Dakota$87/mo
Grand Forks
Average for ND
West Fargo
Click here to learn about car insurance quotes and save on your current policy.

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.

Find local Minot agents

  • BBH Insurance Inc 

    900 N Broadway #212,
    Minot, ND 58703
  • First Western Insurance 

    2105 16th St NW,
    Minot, ND 58703
  • Gate City Insurance Agency 

    924 31st Avenue SW,
    Minot, ND 58702
  • First Western Insurance 

    415 20th Ave SW,
    Minot, ND 58701-6434
  • Western Agency Inc 

    408 20th Ave SW,
    Ste 101, Minot, ND 58701-6639
  • Zarr Financial Services 

    1 N Main St First Floor,
    Minot, ND 58703
  • Dacotah Insurance 

    1121 South Broadway,
    Minot, ND 58702
  • Donovan Insurance Agency

    1600 2nd Avenue SW 15,
    Minot, ND 58701
  • Mark A. Havig: Allstate Insurance

    1418 S Broadway Ste E,
    Minot, ND 58701
  • Paul Siebert - State Farm Insurance Agent

    1125 N Broadway,
    Minot, ND 58703
View more

FAQs - Minot, ND Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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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.

Insurify Insights

How Minot 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 Minot, North Dakota below:


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 Minot drivers measure up to their fellow motorists across North Dakota 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 Minot


City with the Most Speeding Tickets Rank in North Dakota


City with the Most Moving Violations Rank in North Dakota


City with the Most DUIs Rank in North Dakota


City with the Most Suspended Licenses 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 Minot is the Ford F-Series Pickup.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Minot drivers rank 3 in the number of DUI’s per driver across all cities in North Dakota.

    • Rank within state: #3
    • Percent of drivers in Minot with a DUI: {{percentDrivers}}%
    • Drivers in Minot, ND with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Minot drivers rank 2 in the number of speeding infractions per driver.

    • Rank within state: #2
    • Percent of drivers in Minot with a speeding ticket: {{percentDrivers}}%
    • Drivers in Minot, ND with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
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.

Olivia Oksenhorn
Olivia Oksenhorn

Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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