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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
North Dakota drivers pay an average of $98 per month for car insurance. North Dakota has fewer deaths per mile driven than the national average and some of the highest posted speed limits in the country.[1] Speeding tickets and accidents affect car insurance, and both factor into North Dakota’s unique insurance prices.
Many insurance companies offer rates below North Dakota’s average, including State Farm, USAA, and Auto-Owners.
We’ll tell you all about the cheapest insurers in North Dakota and give you tips on how to save money on auto coverage.
North Dakota drivers pay an average of $71 per month for liability coverage and $125 per month for full coverage.
Getting in an accident or ticket can cause a pretty steep increase in rates, averaging $141 per month.
North Dakota requires all drivers to have 25/50/25 of liability coverage, plus uninsured/underinsured (UM/UIM) insurance and personal injury protection (PIP).
All car insurance companies must offer the minimum coverage required by state law. But the tricky part is finding the one that offers you the lowest rate. Comparing quotes from multiple companies is the best way to identify the most affordable rate for the coverage you need.
The following table shows the cheapest car insurance companies in North Dakota, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $26 |
| State Farm | $27 |
| USAA | $27 |
| American Family | $36 |
| GEICO | $53 |
| Farmers | $58 |
| Allstate | $61 |
| State Auto | $63 |
| Bristol West | $70 |
| Direct Auto | $71 |
| Safeco | $79 |
| Root | $82 |
| The General | $104 |
The insurance companies above are a good starting point, but no one company offers the lowest rate for every kind of North Dakota driver. Factors like your driving history, vehicle safety features, and deductible affect insurance rates. Even different ZIP codes can influence rates for the same vehicle.
The sections below highlight the cheapest insurance companies for different drivers and coverage types. You’ll notice that one insurer may offer lower rates for teen drivers while a competitor may be the best option for drivers with excellent credit.
Comparing quotes can save you up to $867.†
Liability insurance is the minimum coverage required by the state. North Dakota’s auto insurance requirements include bodily injury liability, property damage liability, basic no-fault, and uninsured/underinsured motorist coverages.
The North Dakota Insurance Department encourages drivers to purchase more than the minimum liability coverage requirements. Liability insurance policies don’t include coverages like personal injury protection (PIP).
$71 per month is the average rate for minimum liability coverage in North Dakota. The chart below shows the five cheapest insurance companies in North Dakota for state-minimum coverage, according to Compare.com data.
North Dakota doesn’t require drivers to purchase full-coverage car insurance, but most experts recommend it. Full-coverage policies typically include comprehensive and collision insurance to cover things like weather damage, vandalism, and theft.
If you finance or lease your car, lenders usually require you to buy full-coverage insurance. North Dakota drivers pay an average of $125 per month for full coverage. But some insurers offer full coverage for close to the average liability rate in the state.
The chart below shows the five cheapest insurers in North Dakota for full-coverage policies, according to Compare.com data.
Teens pay some of the highest car insurance rates of any age group. Teens tend to be riskier drivers and get into more accidents. In fact, teens cause nearly four times as many car accidents as drivers aged 20 or older.[2]
Teens in North Dakota pay an average of $181 per month for car insurance. But you might find more affordable rates from one of the companies in the chart below.
Here are the five cheapest insurers in North Dakota for teens, according to Compare.com data.
Senior drivers often pay the lowest premiums of any age group. Older drivers are usually more cautious, spend less time on the road, and more likely to obey traffic laws, according to the Insurance Information Institute.[3]
North Dakota senior drivers pay an average rate of $101 per month. But you can likely find a better deal from a company that offers discounts for a clean driving history and reduced coverage limits.
This chart highlights the five cheapest insurers in North Dakota for older drivers, according to Compare.com data.
North Dakota has posted speed limits ranging from 65 to 80 miles per hour.[4] Speeding contributes to 33% of the state’s fatal crashes, according to the North Dakota Department of Transportation.[5] Your insurance company will raise your rates if you get a speeding ticket, as risky driving can lead to an accident. Our research shows that even a single speeding ticket causes average rates to increase by 37% nationwide.
Drivers with a recent ticket in North Dakota pay an average of $123 per month for car insurance. But several insurance companies offer lower rates.
The chart below shows the five cheapest insurers in North Dakota for people with a recent ticket, according to Compare.com data.
Your car insurance rates can jump substantially if you cause an accident. Our research shows that average rates increase by 41% nationwide after a single at-fault accident. A car crash occurs in North Dakota once every hour, according to the North Dakota Safety Council.[6]
North Dakota drivers with a recent accident pay an average of $125 per month for car insurance. The chart below shows North Dakota’s five cheapest insurers for drivers with an at-fault accident, according to Compare.com data.
Alcohol contributes to 35% of fatal car crashes in North Dakota each year.[7] Your insurance rates will rise if you get a driving under the influence (DUI) conviction. You could face fines or license suspension. Our research shows that average car insurance rates increase by 61% nationwide after a DUI conviction.
People with a DUI conviction pay an average of $158 per month for car insurance in North Dakota. But you’re not necessarily stuck paying these higher rates. Some insurers specialize in high-risk drivers, including people with DUIs.
The following chart shows the five cheapest auto insurers in North Dakota for drivers with DUIs, according to Compare.com data.
Car insurance companies use your credit history when approving or renewing a car insurance policy. Research shows that people with poor credit file more insurance claims.[8] We found that drivers with poor credit pay 20% more than drivers with excellent credit.
North Dakota drivers with poor credit pay an average of $128 per month for car insurance. But some companies don’t use your credit history, and some offer affordable rates regardless of credit.
The chart below shows North Dakota’s five cheapest insurers for drivers with poor credit, according to Compare.com research.
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The best insurance company is the one that meets your coverage, customer service, and budget needs. There’s no single best company for all drivers, which is why North Dakota car owners should compare more than just rates. We’ve highlighted three North Dakota car insurance companies that stand out for their prices, customer service, and reliability.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Drivers who want reliable customer service should consider American Family. J.D. Power ranks the insurer No. 2 for customer satisfaction in the Central region. AmFam also has a below-average number of customer complaints with the NAIC — further reinforcing its strong customer service skills.
But if you want to move outside of North Dakota anytime soon, American Family may not be for you. As of this writing, it’s available in just 19 states.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| 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. | $27/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. | $38/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has built a reputation for good customer and claims service. With offices in 21 North Dakota cities, State Farm is a good choice for drivers who want personal attention.
State Farm’s rates can be higher than other companies, though it offers various discounts. The insurer also has an average customer satisfaction rating in the Central region, according to J.D. Power.
Local agents in 21 North Dakota cities
Superior financial strength rating[11]
Leading insurance company in the nation
Gap coverage not available
Average customer satisfaction rating in the Central region
Can be more expensive than other insurers
Local rates start as low as $27 per month.
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All North Dakota drivers must have a minimum level of car insurance to legally drive. Residents of the Peace Garden State must have the following minimum coverage:[12]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per person and $50,000 per accident
Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident
Personal injury protection: $30,000 per person
The minimum state-required insurance coverages may not pay for all damages in an accident, especially if you’re at fault. For example, liability insurance doesn’t cover vandalism, colliding with a telephone pole, or towing your vehicle from a snowbank.
The North Dakota Insurance Department encourages drivers to consider purchasing additional optional coverage like collision, comprehensive, towing, and gap coverage. These add-ons could save you money later on if you’re in a serious accident.
Auto insurance rates are unique to each driver, so you should compare premiums each year to make sure you get the cheapest price. To help you out, we answered some common questions about car insurance in North Dakota.
North Dakota drivers pay an average of $98 per month for car insurance, according to Compare.com data. The average monthly premium for full-coverage policies is $125, while the average monthly rate for liability-only insurance is $71.
State Farm, USAA, and Auto-Owners tend to have some of the lowest average rates in North Dakota, according to Compare.com data. But you may pay more or less for coverage depending on your driving history, vehicle type, and other factors.
It depends. The average rate for car insurance in North Dakota is $98 per month, compared to the national average of $143 per month. How much you pay for car insurance depends on factors like your driving history, vehicle age, and address.
All North Dakota drivers must have $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 per person of property damage liability coverage. Drivers must also have $25,000 per person and $50,000 per accident of uninsured/underinsured motorist coverage (UM/UIM) and $30,000 per person of basic no-fault coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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