Cheap Car Insurance in North Dakota for 2024
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Table of Contents
Auto insurance is an important purchase, but finding cheap car insurance in North Dakota isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in North Dakota is Nationwide at $901 per year on average, or $75 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in North Dakota. Meanwhile, the average cost of full coverage car insurance in North Dakota is $1,528 per year, or about $127 per month.
Did your rates go up? Auto insurance prices are on the rise in North Dakota. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in North Dakota is $367 per year on average, but we found you can likely get a cheaper policy. For example, Nodak offers the cheapest rates in North Dakota at $199 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.How we chose the cheapest companies in North Dakota
NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in North Dakota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in North Dakota. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in North Dakota for 20-year-olds
Drivers in North Dakota with clean driving records may want to consider the following companies, which had the lowest average rates:
- Nationwide: $1,724 per year, or about $144 per month.
- American Family: $2,312 per year, or about $193 per month.
- North Star: $2,396 per year, or about $200 per month.
- Nodak: $2,447 per year, or about $204 per month.
- Progressive: $2,460 per year, or about $205 per month.
Cheapest minimum coverage car insurance in North Dakota for 20-year-olds
Drivers in North Dakota who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- Nodak: $416 per year, or about $35 per month.
- North Star: $416 per year, or about $35 per month.
- Auto-Owners: $598 per year, or about $50 per month.
- American Family: $652 per year, or about $54 per month.
- Progressive: $680 per year, or about $57 per month.
Cheapest auto insurance in North Dakota for 20-year-olds with poor credit
Drivers with poor credit in North Dakota should look at the following insurers with the lowest average rates for minimum coverage:
- Nodak: $669 per year, or about $56 per month.
- North Star: $692 per year, or about $58 per month.
- Nationwide: $1,089 per year, or about $91 per month.
- Geico: $1,090 per year, or about $91 per month.
- Progressive: $1,112 per year, or about $93 per month.
Cheapest auto insurance in North Dakota for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- Nodak: $495 per year, or about $41 per month.
- North Star: $562 per year, or about $47 per month.
- American Family: $781 per year, or about $65 per month.
- Progressive: $790 per year, or about $66 per month.
- Auto-Owners: $831 per year, or about $69 per month.
Cheapest auto insurance in North Dakota for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- Nodak: $630 per year, or about $53 per month.
- North Star: $638 per year, or about $53 per month.
- Auto-Owners: $704 per year, or about $59 per month.
- Progressive: $806 per year, or about $67 per month.
- Grinnell: $876 per year, or about $73 per month.
Cheapest auto insurance in North Dakota for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Nodak: $651 per year, or about $54 per month.
- Progressive: $745 per year, or about $62 per month.
- American Family: $963 per year, or about $80 per month.
- North Star: $994 per year, or about $83 per month.
- Nationwide: $1,029 per year, or about $86 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in North Dakota for 30-year-olds
Drivers in North Dakota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Nationwide: $909 per year, or about $76 per month.
- North Star: $1,260 per year, or about $105 per month.
- American Family: $1,268 per year, or about $106 per month.
- Progressive: $1,286 per year, or about $107 per month.
- Nodak: $1,408 per year, or about $117 per month.
Cheapest minimum coverage car insurance in North Dakota for 30-year-olds
Drivers in North Dakota who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- North Star: $204 per year, or about $17 per month.
- Nodak: $214 per year, or about $18 per month.
- Auto-Owners: $304 per year, or about $25 per month.
- Progressive: $376 per year, or about $31 per month.
- Nationwide: $379 per year, or about $32 per month.
Cheapest auto insurance in North Dakota for 30-year-olds with poor credit
Drivers with poor credit in North Dakota should consider the following companies with the lowest average rates for full coverage:
- Nationwide: $1,289 per year, or about $107 per month.
- North Star: $2,092 per year, or about $174 per month.
- American Family: $2,140 per year, or about $178 per month.
- Progressive: $2,200 per year, or about $183 per month.
- Nodak: $2,203 per year, or about $184 per month.
Cheapest auto insurance in North Dakota for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- North Star: $236 per year, or about $20 per month.
- Nodak: $256 per year, or about $21 per month.
- Auto-Owners: $419 per year, or about $35 per month.
- Grinnell: $445 per year, or about $37 per month.
- Nationwide: $454 per year, or about $38 per month.
Cheapest auto insurance in North Dakota for 30-year-old drivers with one at-fault crash
For drivers in North Dakota with a recent accident, here are the lowest average rate options for full coverage:
- Nationwide: $1,394 per year, or about $116 per month.
- Auto-Owners: $1,822 per year, or about $152 per month.
- Progressive: $1,973 per year, or about $164 per month.
- Nodak: $2,130 per year, or about $177 per month.
- North Star: $2,232 per year, or about $186 per month.
Cheapest auto insurance in North Dakota for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- Progressive: $1,498 per year, or about $125 per month.
- Nationwide: $1,780 per year, or about $148 per month.
- Nodak: $2,203 per year, or about $184 per month.
- American Family: $2,656 per year, or about $221 per month.
- Auto-Owners: $2,779 per year, or about $232 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in North Dakota for 40-year-olds
Drivers in North Dakota with clean driving records may want to think about the following companies, which had the lowest average rates:
- Nationwide: $879 per year, or about $73 per month.
- Progressive: $1,146 per year, or about $96 per month.
- North Star: $1,260 per year, or about $105 per month.
- American Family: $1,268 per year, or about $106 per month.
- Nodak: $1,333 per year, or about $111 per month.
Cheapest minimum coverage car insurance in North Dakota for 40-year-olds
Drivers in North Dakota who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- Nodak: $195 per year, or about $16 per month.
- North Star: $204 per year, or about $17 per month.
- Auto-Owners: $320 per year, or about $27 per month.
- American Family: $354 per year, or about $30 per month.
- Progressive: $354 per year, or about $30 per month.
Cheapest auto insurance in North Dakota for 40-year-olds with poor credit
Drivers with poor credit in North Dakota can check out the following insurers with the lowest average rates for full coverage:
- Nationwide: $1,240 per year, or about $103 per month.
- Progressive: $1,964 per year, or about $164 per month.
- Nodak: $2,077 per year, or about $173 per month.
- North Star: $2,092 per year, or about $174 per month.
- American Family: $2,140 per year, or about $178 per month.
Cheapest auto insurance in North Dakota for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- Nodak: $234 per year, or about $20 per month.
- North Star: $236 per year, or about $20 per month.
- American Family: $411 per year, or about $34 per month.
- Auto-Owners: $441 per year, or about $37 per month.
- Nationwide: $442 per year, or about $37 per month.
Cheapest auto insurance in North Dakota for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in North Dakota, here are the companies with the lowest average rates for full coverage:
- Nationwide: $1,356 per year, or about $113 per month.
- Auto-Owners: $1,797 per year, or about $150 per month.
- Progressive: $1,799 per year, or about $150 per month.
- Nodak: $2,016 per year, or about $168 per month.
- North Star: $2,232 per year, or about $186 per month.
Cheapest auto insurance in North Dakota for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- Progressive: $1,347 per year, or about $112 per month.
- Nationwide: $1,742 per year, or about $145 per month.
- Nodak: $2,070 per year, or about $173 per month.
- American Family: $2,656 per year, or about $221 per month.
- Auto-Owners: $2,764 per year, or about $230 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in North Dakota for 50-year-olds
Drivers in North Dakota with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Nationwide: $817 per year, or about $68 per month.
- Progressive: $1,036 per year, or about $86 per month.
- Nodak: $1,049 per year, or about $87 per month.
- North Star: $1,100 per year, or about $92 per month.
- American Family: $1,139 per year, or about $95 per month.
Cheapest minimum coverage car insurance in North Dakota for 50-year-olds
Drivers in North Dakota who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- Nodak: $161 per year, or about $13 per month.
- North Star: $184 per year, or about $15 per month.
- Auto-Owners: $308 per year, or about $26 per month.
- American Family: $333 per year, or about $28 per month.
- Progressive: $339 per year, or about $28 per month.
Cheapest auto insurance in North Dakota for 50-year-olds with poor credit
Drivers with poor credit in North Dakota can check with the following companies, which showed the lowest average rates for full coverage:
- Nationwide: $1,155 per year, or about $96 per month.
- Nodak: $1,641 per year, or about $137 per month.
- Progressive: $1,774 per year, or about $148 per month.
- North Star: $1,820 per year, or about $152 per month.
- American Family: $1,928 per year, or about $161 per month.
Cheapest auto insurance in North Dakota for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- Nodak: $191 per year, or about $16 per month.
- North Star: $208 per year, or about $17 per month.
- Grinnell: $381 per year, or about $32 per month.
- American Family: $385 per year, or about $32 per month.
- Auto-Owners: $423 per year, or about $35 per month.
Cheapest auto insurance in North Dakota for 50-year-old drivers with one at-fault crash
For drivers living in North Dakota with a recent accident, here are the insurers with the lowest average full coverage rates:
- Nationwide: $1,278 per year, or about $107 per month.
- Auto-Owners: $1,667 per year, or about $139 per month.
- Progressive: $1,675 per year, or about $140 per month.
- Nodak: $1,730 per year, or about $144 per month.
- Grinnell: $1,907 per year, or about $159 per month.
Cheapest auto insurance in North Dakota for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- Progressive: $1,237 per year, or about $103 per month.
- Nodak: $1,641 per year, or about $137 per month.
- Nationwide: $1,664 per year, or about $139 per month.
- American Family: $2,451 per year, or about $204 per month.
- Auto-Owners: $2,563 per year, or about $214 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in North Dakota for 60-year-olds
Drivers in North Dakota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Nationwide: $748 per year, or about $62 per month.
- Progressive: $983 per year, or about $82 per month.
- Nodak: $1,034 per year, or about $86 per month.
- North Star: $1,100 per year, or about $92 per month.
- American Family: $1,139 per year, or about $95 per month.
Cheapest minimum coverage car insurance in North Dakota for 60-year-olds
Drivers in North Dakota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Nodak: $168 per year, or about $14 per month.
- North Star: $184 per year, or about $15 per month.
- Auto-Owners: $310 per year, or about $26 per month.
- Progressive: $328 per year, or about $27 per month.
- Nationwide: $334 per year, or about $28 per month.
Cheapest auto insurance in North Dakota for 60-year-olds with poor credit
Drivers with poor credit in North Dakota can look at the following companies with the lowest average rates for full coverage:
- Nationwide: $1,047 per year, or about $87 per month.
- Nodak: $1,617 per year, or about $135 per month.
- Progressive: $1,679 per year, or about $140 per month.
- North Star: $1,820 per year, or about $152 per month.
- American Family: $1,928 per year, or about $161 per month.
Cheapest auto insurance in North Dakota for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- Nodak: $198 per year, or about $17 per month.
- North Star: $208 per year, or about $17 per month.
- Grinnell: $366 per year, or about $31 per month.
- American Family: $387 per year, or about $32 per month.
- Nationwide: $407 per year, or about $34 per month.
Cheapest auto insurance in North Dakota for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in North Dakota, here are the companies with the lowest average rates for full coverage:
- Nationwide: $1,193 per year, or about $99 per month.
- Auto-Owners: $1,584 per year, or about $132 per month.
- Progressive: $1,615 per year, or about $135 per month.
- Nodak: $1,704 per year, or about $142 per month.
- Grinnell: $1,888 per year, or about $157 per month.
Cheapest auto insurance in North Dakota for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Progressive: $1,181 per year, or about $98 per month.
- Nationwide: $1,579 per year, or about $132 per month.
- Nodak: $1,618 per year, or about $135 per month.
- American Family: $2,451 per year, or about $204 per month.
- Auto-Owners: $2,455 per year, or about $205 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in North Dakota for 70-year-olds
Drivers in North Dakota with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Nationwide: $802 per year, or about $67 per month.
- Nodak: $1,045 per year, or about $87 per month.
- Progressive: $1,059 per year, or about $88 per month.
- North Star: $1,100 per year, or about $92 per month.
- American Family: $1,228 per year, or about $102 per month.
Cheapest minimum coverage car insurance in North Dakota for 70-year-olds
Drivers in North Dakota who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- North Star: $184 per year, or about $15 per month.
- Nodak: $184 per year, or about $15 per month.
- Progressive: $362 per year, or about $30 per month.
- Nationwide: $364 per year, or about $30 per month.
- American Family: $364 per year, or about $30 per month.
Cheapest auto insurance in North Dakota for 70-year-olds with poor credit
Drivers with poor credit in North Dakota can look at the following companies with the lowest average rates for full coverage:
- Nationwide: $1,122 per year, or about $94 per month.
- Nodak: $1,668 per year, or about $139 per month.
- Progressive: $1,809 per year, or about $151 per month.
- North Star: $1,820 per year, or about $152 per month.
- American Family: $2,093 per year, or about $174 per month.
Cheapest auto insurance in North Dakota for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in North Dakota, here are the companies with the lowest average rates for minimum coverage:
- North Star: $208 per year, or about $17 per month.
- Nodak: $215 per year, or about $18 per month.
- Grinnell: $417 per year, or about $35 per month.
- American Family: $429 per year, or about $36 per month.
- Nationwide: $436 per year, or about $36 per month.
Cheapest auto insurance in North Dakota for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in North Dakota, here are the companies with the lowest average rates for full coverage:
- Nationwide: $1,262 per year, or about $105 per month.
- Nodak: $1,721 per year, or about $143 per month.
- Auto-Owners: $1,753 per year, or about $146 per month.
- Progressive: $1,773 per year, or about $148 per month.
- Grinnell: $1,957 per year, or about $163 per month.
Cheapest auto insurance in North Dakota for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Progressive: $1,269 per year, or about $106 per month.
- Nodak: $1,634 per year, or about $136 per month.
- Nationwide: $1,640 per year, or about $137 per month.
- American Family: $2,539 per year, or about $212 per month.
- State Farm: $2,754 per year, or about $230 per month.
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 60 of the 70 driver profiles we examined.
Minimum required auto insurance in North Dakota
North Dakota car insurance policies must include liability insurance, uninsured/underinsured motorist bodily injury coverage and personal injury protection.
Here are the minimum coverage limits you must select for each:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per crash.
$25,000 property damage liability per crash.
$25,000 uninsured/underinsured motorist bodily injury per person.
$50,000 uninsured/underinsured motorist bodily injury per crash.
$30,000 personal injury protection.
Although choosing the bare minimum will allow you drive legally, it may not be enough to pay for damages if you cause an accident. Check out NerdWallet's guide to minimum car insurance requirements by state for more detail about coverage options for your North Dakota auto policy.
Alternative car insurance for high-risk drivers
If you’ve been denied car insurance because of bad credit, multiple at-fault crashes or other factors, you can apply for coverage through the North Dakota Automobile Insurance Plan.
For more help finding cheap car insurance in North Dakota, try NerdWallet’s car insurance comparison tool.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
On a similar note...
