The Cheapest Auto Insurance in North Dakota in 2024

The average cost of car insurance in North Dakota falls below the national average — but drivers are required to buy personal injury protection and underinsured/uninsured motorist coverage in addition to typical liability insurance. Read on to learn more about the state’s required coverages and costs.

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North Dakota — the United States’ No. 1 honey producer and home to Theodore Roosevelt National Park — is the 16th-cheapest state for car insurance. On average, drivers in the state pay $104 per month for car insurance. State Farm offers the lowest average rate in the state, at $61 per month.

Other insurance companies aren’t far behind, but keep in mind that different factors, such as your driving record, ZIP code, and the state’s crime rates, can affect the cost of your insurance. Read on to find the best auto insurance company for your needs at the lowest rates.

Key Takeaways:

  • North Star Mutual offers North Dakota drivers the cheapest liability insurance, while State Farm offers the cheapest full coverage.
  • Teen and senior drivers can find the most affordable liability insurance with North Star Mutual.
  • North Dakota drivers with speeding tickets, accidents, or DUIs typically get the most affordable coverage with State Farm.

North Dakota’s Cheapest Car Insurance Companies

North Dakota’s average monthly rate may be $104, but you can still get a cheaper premium depending on your driver profile — it’s all about finding the right company.

Let’s take a look at the five companies with the most affordable average rates in North Dakota.

Company Monthly Premium
State Farm $61
North Star Mutual $69
Allied $70
American Family $70
Auto-Owners $72

State Farm is the cheapest company in North Dakota, with an average rate of $61 per month. Auto-Owners — the most expensive of the list — isn’t far behind, at $72 per month — or $132 more per year than State Farm. That’s why it’s always a good idea to compare rates to save as much money as possible.

Let’s see which insurers are best suited for different types of drivers.

How we chose the cheapest companies in North Dakota
Our team analyzed thousands of rates from dozens of the top insurance companies in North Dakota. Using that data, we listed the five cheapest options for North Dakota drivers based on several key factors, such as age, coverage level, driving history, and more. All the rates listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in North Dakota. The listed “full-coverage” rates include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.’s Best North Dakota Insurance Companies of 2024

No single auto insurance company is best for all drivers. For instance, an insurer may give new customers certain incentives, while another might give longtime policyholders the lowest rates. So the best way to find the cheapest policy is to compare insurers to identify which offers the perks, coverage, and price you need.

Below are the best insurers for certain driver profiles — chosen based on a combination of average rates, available discounts, and customer ratings.

Find the Cheapest Rates from North Dakota’s Top Companies

State Farm: Best for overall best average rates

Average quote: $61 per month rating: 4.3

Trustpilot rating: 1.7

BBB rating: B-


  • Above-average J.D. Power customer satisfaction ranking
  • Lowest rates on average in North Dakota
  • A++ financial strength rating from AM Best


  • Low ratings on third-party sites
  • No gap insurance available
  • Limited discounts in North Dakota

State Farm is the largest auto insurer in the United States by market share and offers some of the lowest average rates in North Dakota. However, it doesn’t offer as many discounts or coverage options as some competitors. Customer reviews range from glowing to less than stellar — but NAIC complaints are among the lowest in North Dakota.

American Family: Best for teens who want full coverage

Average full-coverage quote: $220 per month rating: 3.63

Trustpilot rating: 4.5

BBB rating: A


  • Favorable customer satisfaction ratings
  • Discounts available for young drivers
  • Highly rated mobile app


  • Not the cheapest option for liability-only teen coverage
  • Only uses local agents
  • Accident forgiveness program requires no major traffic violations for any household member

American Family Insurance — based in Madison, Wisconsin — offers a variety of vehicle, farm, personal, and property insurance. From BBB to Trustpilot, current and former policyholders speak highly of the insurer’s customer service.

Its full-coverage policies for teenage drivers are the cheapest available in North Dakota. Teens can get even lower rates through the company’s five discount incentives, which include a safe driving discount and one for students away at school without a vehicle.

North Star Mutual: Best for drivers with clean records

Average liability-only quote: $27 per month rating: N/A

Trustpilot rating: N/A

BBB rating: A+


  • Lowest rates for drivers with clean records
  • Discounts for business and farm owners with additional policies
  • 24/7 roadside assistance available


  • Mobile app complaints
  • No rideshare, gap, or other optional coverages available
  • Only four discounts advertised

North Star Mutual Insurance Company is a regional company operating in eight states. Founded in 1920, North Star Mutual offers drivers with clean driving records the lowest average rates in North Dakota.

Unfortunately, its limited discount options mean limited savings opportunities. North Star Mutual also has limited coverage options compared to competitors, though its BBB rating and roadside assistance service may be worth considering for safe drivers needing basic coverage.

The Average Cost of North Dakota Car Insurance

A road in North Dakota

North Dakota’s monthly cost for car insurance is $104. Although it isn’t the cheapest, it’s still more affordable than the national average.

The table below shows how North Dakota compares to neighboring states and the national average.

State Average Rates State Rank
North Dakota $104 16th cheapest
Minnesota $126 31st
Montana $106 17th
South Dakota $77 4th
National average $129

North Dakota is the 16th-cheapest state and roughly $25 below the national average. But it’s worth noting that the region is among the cheapest in the country — neighboring states’ rates also fall below the national average. North Dakota’s rates are likely higher because its minimum insurance requirements include personal injury protection (PIP), while other states like South Dakota don’t require it.

Next, let’s explore how much North Dakota drivers pay for liability-only insurance policies.

Cheapest Car Insurance Rates for State-Minimum Insurance: North Star Mutual

Coverage level and limits affect average premium rates. Liability-only coverage is the minimum amount of car insurance you can legally drive with — which is why it’s often the cheapest option. Essentially, liability insurance covers the injuries and damages you cause others when you’re at fault for an accident.

In some states, it doesn’t cover damage or injuries to you and your passengers. But North Dakota requires PIP insurance, which pays for your injuries. The table below features the cheapest car insurance companies in North Dakota for state-minimum insurance.

Company Monthly Premium
North Star Mutual $27
American Family $31
Auto-Owners $32
State Farm $32

North Star Mutual offers liability-only coverage for $27 per month — the lowest average rate in the state. The rest of the insurers aren’t far behind. GEICO’s premium — the most expensive in this category — is just $10 more.

Next, we’ll look at how rates change when you buy a full-coverage policy in North Dakota.

Cheapest Car Insurance Rates for Full-Coverage Insurance: State Farm

Full-coverage insurance has no formal definition, so you’ll see significantly different rates among insurance companies. Usually, full-coverage policies include comprehensive coverage, collision insurance, and liability insurance. Full coverage costs more because it provides more protection.

It’s important to talk to insurance experts about which exact coverages are included in a full coverage policy. North Dakota residents should choose a reliable insurance policy that’ll provide the protection they need, even if it’s not the lowest price, says Jon Godfread, North Dakota insurance commissioner.

“The best advice I can give anyone when purchasing an insurance policy is to not look solely at price,” Godfread says. “[If] you ever need to use your insurance policy, you should have a policy that will protect you and your family. If you purchase a low-cost policy, it may be unreliable when you need it most.”

The table below features the auto insurers with the most competitive rates for full coverage in North Dakota, according to data.

Company Monthly Premium
State Farm $90
Allied $97
American Family $109
North Star Mutual $111
Auto-Owners $112

State Farm has the lowest rate, at $90 per month, with Allied not far behind, at $97 per month. The rest of the insurers have competitive rates — so remember to shop around to compare rates and coverages to get the lowest premium.

Mark Friedlander, director of corporate communications for the Insurance Information Institute (Triple-I), suggests that drivers in northern states with the potential for severe weather consider full-coverage auto policies that include comprehensive and collision coverages.

“Around 80% of drivers in the United States carry these optional coverages,” he says. “Comprehensive is a very reasonable add-on that covers ‘non-collision’ losses from weather hazards, as well as fire, theft, vandalism, and cracked windshields.”

Get North Dakota’s Best Rates in Minutes

Compare North Dakota Auto Insurance Rates by Age

Man on his phone looking at car insurance companies

Your age is another major factor that affects your rates. Typically, young drivers see the highest rates because they’re considered a higher risk — fortunately, rates decrease as you age.

Let’s see which companies offer the cheapest rates to drivers in North Dakota for different age groups.

Cheapest car insurance for North Dakota teens: North Star Mutual

Even though teen drivers in North Dakota make up only 5.5% of all licensed drivers, they account for 21% of all crashes — that’s one reason teen drivers have some of the highest auto insurance rates. The good news is that once young drivers reach age 25, they’ll see more affordable rates.

The data in the following table shows the cheapest companies for 18-year-old drivers in North Dakota, sorted by liability-only rates.

Company Liability Only Full Coverage
North Star Mutual $66 $262
Auto-Owners $77 $234
GEICO $88 $285
American Family $89 $220
Grinnell Mutual $93 $367

North Star Mutual has the lowest liability coverage, at $66 per month. But American Family is the cheapest for full coverage — around $40 less per month than North Star Mutual and 40% less than Grinnell Mutual.

Next, we’ll look at how senior drivers compare to teens.

Cheapest car insurance for North Dakota seniors: North Star Mutual

As drivers approach retirement age, they receive the cheapest rates available. One reason is that seniors may drive less than younger adults, making them less likely to be in a car accident. For instance, between 2016 and 2020, drivers aged 65 and older were involved in 109 fatal car accidents in North Dakota, while drivers between 25 and 64 were involved in 465.

The table below features the cheapest insurance companies for 65-year-old drivers in North Dakota.

Company Liability Only Full Coverage
North Star Mutual $24 $96
GEICO $25 $83
American Family $30 $96
State Farm $30 $81
Auto-Owners $33 $101

North Star Mutual is the cheapest company for seniors seeking liability insurance. However, State Farm and GEICO have lower rates for full-coverage car insurance. Seniors should compare rates, especially if they need additional coverage options to pay for medical bills in the event of an accident.

Compare North Dakota Auto Insurance Rates by Driving Record

Age is influential, but your driving record is perhaps the most important rating factor used to set insurance premiums. For example, a teen may be statistically more likely to be in a car accident, but a driver with a history of speeding tickets, at-fault accidents, or DUIs will likely receive higher-than-average rates no matter their age.

Let’s look at how the cheapest major insurance companies and regional insurers in North Dakota increase rates for drivers with different driving records.

Cheapest car insurance for good drivers in North Dakota: North Star Mutual

Good drivers with a clean driving record — free of accidents, traffic violations, and DUIs often get the cheapest insurance rates.

The table below shows North Dakota’s cheapest car insurance companies for drivers with no accidents or moving violations.

Company Liability Only Full Coverage
North Star Mutual $27 $111
American Family $31 $109
Auto-Owners $32 $112
State Farm $32 $90
GEICO $37 $131

Although North Star Mutual has the cheapest liability-only premium of $27 per month, State Farm has the lowest full-coverage rates for drivers with clean records, at $90 per month. In fact, even American Family has a lower full-coverage rate than North Star Mutual.

Now, let’s look at how getting a ticket affects rates.

Cheapest car insurance in North Dakota after a ticket: State Farm

Speed is a common factor in car accidents — one speeding ticket can increase your car insurance premium by 37%, according to data. Unfortunately, North Dakota was among the states with the highest proportion of speeding tickets in 2022.

The table below shows the five cheapest insurance companies in North Dakota for drivers with one speeding ticket.

Company Liability Only Full Coverage
State Farm $31 $89
GEICO $38 $135
North Star Mutual $40 $167
American Family $41 $129
Grinnell Mutual $41 $162

State Farm comes out on top as the cheapest insurer for drivers with one speeding ticket, and GEICO’s rate is just $9 more. But there’s a $46 per month difference between the two insurers’ full-coverage rates.

Based on the full-coverage rates in the table, there’s no guarantee that the cheapest company for liability insurance will be the cheapest for full coverage — which is why getting a new quote after a traffic ticket is a good idea.

Let’s compare the cheapest rates for drivers with an at-fault accident on their record.

Cheapest car insurance in North Dakota after an accident: State Farm

When you get into an at-fault accident, expect your rates to go up. Insurance premiums increase by 44% after a single at-fault accident, according to data.

The table features the five cheapest insurers in North Dakota for drivers with one at-fault accident on their driving record.

Company Liability Only Full Coverage
State Farm $34 $95
Auto-Owners $34 $124
Grinnell Mutual $41 $162
North Star Mutual $47 $197
American Family $57 $130

State Farm and Auto-Owners are tied for the cheapest insurer in this category. While liability-only rates for all five companies are competitive, full-coverage premiums vary by as much as $102 per month. Again, this is why shopping around to compare rates is ideal.

Next, let’s see how auto insurance rates change after a DUI.

Cheapest car insurance in North Dakota after a DUI: State Farm

Getting a DUI is a serious traffic violation and is almost guaranteed to raise your rates — by as much as 94%, according to data. In North Dakota, drivers with DUI convictions may also face fines, jail time, and license suspensions and have to file SR-22 forms. Some insurers might even cancel a driver’s car insurance policy.

Let’s take a look at the companies offering the cheapest average rates for drivers with a DUI.

Company Liability Only Full Coverage
State Farm $31 $89
Grinnell Mutual $41 $162
Progressive $44 $129
American Family $58 $129
Auto-Owners $69 $196

State Farm has the cheapest rate for both liability and full coverage for North Dakota drivers with a DUI. Auto-Owners — the most expensive in this category — charges more than double State Farm’s rates.

Getting multiple quotes and taking advantage of discounts can help offset premium increases after a DUI.

Get the Best Rates in North Dakota, Regardless of Driving Record

5 Ways to Get Cheap Car Insurance in North Dakota

Fargo, North Dakota

No matter your situation, affordable car insurance is possible. Here are five tips to help you find the cheapest car insurance in North Dakota.

  • Stick with the same insurance company. Even if your insurer doesn’t offer the cheapest rates on average, your current company might offer discounts for longtime policyholders.
  • Ask about group insurance. Some organizations, like alumni associations and professional groups, offer group insurance at lower rates than what you’d qualify for alone.
  • Monitor your credit score. Drivers with lower credit scores usually get higher rates than drivers with higher credit scores. Improving your credit, such as paying off credit cards, could lower your rate.
  • Bundle multiple insurance products. Some insurance companies sell additional coverages, like homeowners insurance, and offer discounts to policyholders when they buy more than one policy.
  • Comparison shop. Shopping around regularly and comparing quotes from multiple North Dakota car insurance companies can help you find cheaper rates for the same coverage level.

Remember, you may have different needs based on your budget, but you must always maintain minimum-coverage car insurance to comply with state law.

North Dakota Auto Insurance Requirements

The North Dakota Insurance Department requires all drivers to purchase certain minimum coverages. This includes bodily injury, property damage, uninsured/underinsured, and no-fault insurance. The minimum limits are:

  • Bodily injury liability: $25,000 per person and $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person and $50,000 per accident
  • Underinsured motorist coverage: $25,000 per person and $50,000 per accident
  • Basic no-fault insurance: $30,000 per person

Penalties for driving without auto insurance in North Dakota

Driving without meeting the minimum requirements for car insurance is a Class B misdemeanor in North Dakota. Penalties for driving without insurance in the state include potential points on your license, license suspension, and having to provide a certificate of insurance.

Drivers who get into an accident or commit a crime while driving without insurance may face all of the above plus fines, jail time, and SR-22 filing requirements.

SR-22 auto insurance in North Dakota

An SR-22 form isn’t a type of insurance policy but rather a form that your insurance company files with the state if you’re deemed a high-risk driver. Convictions for DUIs, getting into an accident without insurance, or committing a felony with your car will warrant SR-22 filings in North Dakota.

If you need an SR-22 in North Dakota, first ask your insurer if they can file it for you. If not, shop for an auto insurance company that files SR-22 forms for high-risk drivers, such as American Family.

Personal injury protection and no-fault insurance in North Dakota

As a no-fault state, drivers in North Dakota are also required to maintain basic no-fault insurance — also called personal injury protection insurance or PIP. Basic no-fault limits must meet a minimum of $30,000 per person to cover things like your medical expenses and loss of income due to an accident injury, regardless of which driver is at fault.

North Dakota Auto Insurance FAQs

Car insurance rates can change rapidly and increase for many reasons, but that doesn’t mean you have to settle for the high insurance rates. Here are answers to the most frequently asked questions by North Dakota drivers like you.

Who is the cheapest auto insurance company in North Dakota?

State Farm is the cheapest auto insurance company in North Dakota, at just $61 per month. It has the lowest rates for a variety of driver profiles, including people with imperfect driving records.

How much is car insurance in North Dakota?

Auto insurance averages $104 per month in North Dakota, according to data. It’s the 16th-cheapest state in the country, with rates $25 per month lower than the national average.

Which cars require car insurance in North Dakota?

All motor vehicles registered and operated within North Dakota must meet the state’s minimum insurance requirements.

How much car insurance is required in North Dakota?

North Dakota drivers must have at least $25,000 per person, $50,000 per accident of bodily injury liability insurance, and $25,000 per accident of property damage liability insurance.

Drivers must also have $30,000 of basic no-fault insurance per person and $25,000 per person and $50,000 per accident of uninsured motorist coverage and underinsured motorist coverage.

What happens if you get caught driving without insurance in North Dakota?

If you’re caught driving without insurance, it’s considered a Class B misdemeanor. Penalties vary depending on whether the driver failed to produce insurance during a traffic stop, accident, or other criminal act. Penalties may include license suspension, fines, points on your license, a certificate of insurance filing, and jail time.


Data scientists at analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article.’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the quotes listed in this article have been gathered from a combination of real quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.


  1. North Dakota Insurance Department, “Auto,” Accessed November 12, 2023.
  2. North Dakota Legislative Branch, “Criminal Procedure for Driving Without Liability Insurance,” Accessed November 12, 2023.
  3. North Dakota DOT, “Driver Record Services/Suspensions,” Accessed November 12, 2023.
  4. Insurify, “States with the Most Speeding Tickets in 2022,” Accessed November 12, 2023.
  5. North Dakota DOT, “North Dakota’s Guide for Aging Drivers,” Accessed November 12, 2023.
  6. North Dakota Vision Zero, “Young Drivers,” Accessed November 12, 2023.
  7. North Dakota Insurance Department, “2023 Auto Insurance Cost Comparison Survey,” Accessed November 12, 2023.
  8. NAIC, “2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide,” Accessed November 12, 2023.

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