The Cheapest Auto Insurance Companies in North Dakota in 2025

North Dakota doesn’t legally require the following types of car insurance coverage. But you might consider adding them to your policy for better protection:

• Collision coverage: Collision insurance pays for damages if you’re in an accident, even if you’re at fault. It also covers you if you roll your car or hit a pole.

• Comprehensive coverage: Comprehensive insurance covers you if you’re involved in a non-collision incident, such as severe weather, theft, or vandalism.

• Gap insurance: If you total your car, gap insurance covers the difference between your outstanding loan balance and the insurance claim settlement.

• Roadside assistance coverage: Coverage varies by insurer. But if your car breaks down, roadside assistance typically covers you for things like towing, jump-starts, flat-tire changes, and more.

Liability insurance is the minimum coverage the state requires. 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).

The average rate for minimum liability coverage in North Dakota is $67 per month. 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 $114 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.

North Dakota has posted speed limits ranging from 65 to 80 miles per hour.^[6] Speeding contributes to 33% of the state’s fatal crashes, according to the North Dakota Department of Transportation.^[7]

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.^[8]

North Dakota drivers with a recent accident pay an average of $114 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.^[9] 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 $121 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.

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.^[10]

Teens in North Dakota pay an average of $171 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 are more likely to obey traffic laws, according to the Insurance Information Institute.^[11]

North Dakota senior drivers pay an average rate of $92 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.

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.^[12] 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 $112 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.