Cheap Car Insurance in North Dakota for 2023

State Farm offers the cheapest car insurance in North Dakota, with an average monthly rate of $91 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

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 State Farm at $1,087 per year on average, or $91 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 $1,869 per year, or about $156 per month.

Minimum coverage in North Dakota is $513 per year on average, but we found you can likely get a cheaper policy. For example, North Star offers the cheapest rates in North Dakota at $254 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in North Dakota

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in North Dakota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in North Dakota where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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:

  1. American Family: $2,131 per year, or about $178 per month.
  2. North Star: $2,212 per year, or about $184 per month.
  3. Auto-Owners: $2,394 per year, or about $200 per month.
  4. State Farm: $2,442 per year, or about $204 per month.
  5. Nationwide: $2,855 per year, or about $238 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:

  1. North Star: $493 per year, or about $41 per month.
  2. Auto-Owners: $529 per year, or about $44 per month.
  3. State Farm: $683 per year, or about $57 per month.
  4. Nationwide: $810 per year, or about $68 per month.
  5. Nodak: $870 per year, or about $72 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:

  1. North Star: $816 per year, or about $68 per month.
  2. Nationwide: $1,173 per year, or about $98 per month.
  3. Grinnell: $1,320 per year, or about $110 per month.
  4. Auto-Owners: $1,375 per year, or about $115 per month.
  5. State Farm: $1,483 per year, or about $124 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:

  1. Auto-Owners: $732 per year, or about $61 per month.
  2. North Star: $757 per year, or about $63 per month.
  3. State Farm: $768 per year, or about $64 per month.
  4. Grinnell: $873 per year, or about $73 per month.
  5. Nationwide: $909 per year, or about $76 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:

  1. Auto-Owners: $622 per year, or about $52 per month.
  2. North Star: $757 per year, or about $63 per month.
  3. State Farm: $866 per year, or about $72 per month.
  4. Grinnell: $873 per year, or about $73 per month.
  5. Nationwide: $942 per year, or about $79 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.

  1. State Farm: $1,028 per year, or about $86 per month.
  2. Nationwide: $1,107 per year, or about $92 per month.
  3. Nodak: $1,123 per year, or about $94 per month.
  4. Auto-Owners: $1,164 per year, or about $97 per month.
  5. Progressive: $1,165 per year, or about $97 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:

  1. State Farm: $1,114 per year, or about $93 per month.
  2. North Star: $1,216 per year, or about $101 per month.
  3. Nationwide: $1,377 per year, or about $115 per month.
  4. Auto-Owners: $1,378 per year, or about $115 per month.
  5. American Family: $1,431 per year, or about $119 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:

  1. North Star: $254 per year, or about $21 per month.
  2. State Farm: $262 per year, or about $22 per month.
  3. Auto-Owners: $290 per year, or about $24 per month.
  4. Nationwide: $402 per year, or about $33 per month.
  5. Nodak: $447 per year, or about $37 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:

  1. Nationwide: $1,988 per year, or about $166 per month.
  2. North Star: $2,020 per year, or about $168 per month.
  3. American Family: $2,361 per year, or about $197 per month.
  4. State Farm: $2,419 per year, or about $202 per month.
  5. Allstate: $2,742 per year, or about $229 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:

  1. State Farm: $295 per year, or about $25 per month.
  2. North Star: $373 per year, or about $31 per month.
  3. Auto-Owners: $397 per year, or about $33 per month.
  4. Grinnell: $448 per year, or about $37 per month.
  5. Nationwide: $479 per year, or about $40 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:

  1. State Farm: $1,338 per year, or about $111 per month.
  2. Auto-Owners: $1,513 per year, or about $126 per month.
  3. American Family: $1,762 per year, or about $147 per month.
  4. North Star: $2,150 per year, or about $179 per month.
  5. Nationwide: $2,182 per year, or about $182 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.

  1. State Farm: $1,516 per year, or about $126 per month.
  2. American Family: $1,723 per year, or about $144 per month.
  3. Auto-Owners: $2,313 per year, or about $193 per month.
  4. Progressive: $2,373 per year, or about $198 per month.
  5. Nationwide: $2,821 per year, or about $235 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:

  1. State Farm: $1,072 per year, or about $89 per month.
  2. North Star: $1,216 per year, or about $101 per month.
  3. American Family: $1,291 per year, or about $108 per month.
  4. Nationwide: $1,323 per year, or about $110 per month.
  5. Auto-Owners: $1,375 per year, or about $115 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:

  1. North Star: $254 per year, or about $21 per month.
  2. State Farm: $265 per year, or about $22 per month.
  3. Auto-Owners: $312 per year, or about $26 per month.
  4. Nationwide: $394 per year, or about $33 per month.
  5. Nodak: $409 per year, or about $34 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:

  1. Nationwide: $1,910 per year, or about $159 per month.
  2. North Star: $2,020 per year, or about $168 per month.
  3. American Family: $2,059 per year, or about $172 per month.
  4. State Farm: $2,330 per year, or about $194 per month.
  5. Allstate: $2,742 per year, or about $229 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:

  1. State Farm: $298 per year, or about $25 per month.
  2. North Star: $373 per year, or about $31 per month.
  3. Auto-Owners: $427 per year, or about $36 per month.
  4. Nodak: $447 per year, or about $37 per month.
  5. Grinnell: $455 per year, or about $38 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:

  1. State Farm: $1,290 per year, or about $107 per month.
  2. Auto-Owners: $1,513 per year, or about $126 per month.
  3. American Family: $1,581 per year, or about $132 per month.
  4. Nationwide: $2,112 per year, or about $176 per month.
  5. Grinnell: $2,132 per year, or about $178 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.

  1. State Farm: $1,461 per year, or about $122 per month.
  2. American Family: $1,554 per year, or about $130 per month.
  3. Progressive: $2,169 per year, or about $181 per month.
  4. Auto-Owners: $2,339 per year, or about $195 per month.
  5. Nationwide: $2,751 per year, or about $229 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:

  1. State Farm: $1,026 per year, or about $85 per month.
  2. North Star: $1,064 per year, or about $89 per month.
  3. American Family: $1,171 per year, or about $98 per month.
  4. Nationwide: $1,222 per year, or about $102 per month.
  5. Auto-Owners: $1,270 per year, or about $106 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:

  1. North Star: $226 per year, or about $19 per month.
  2. State Farm: $262 per year, or about $22 per month.
  3. Auto-Owners: $305 per year, or about $25 per month.
  4. Nodak: $361 per year, or about $30 per month.
  5. Nationwide: $380 per year, or about $32 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:

  1. Nationwide: $1,761 per year, or about $147 per month.
  2. North Star: $1,766 per year, or about $147 per month.
  3. American Family: $1,888 per year, or about $157 per month.
  4. State Farm: $2,227 per year, or about $186 per month.
  5. Grinnell: $2,647 per year, or about $221 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:

  1. State Farm: $295 per year, or about $25 per month.
  2. North Star: $338 per year, or about $28 per month.
  3. Grinnell: $384 per year, or about $32 per month.
  4. Nodak: $396 per year, or about $33 per month.
  5. Auto-Owners: $416 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:

  1. State Farm: $1,236 per year, or about $103 per month.
  2. Auto-Owners: $1,400 per year, or about $117 per month.
  3. American Family: $1,433 per year, or about $119 per month.
  4. Grinnell: $1,740 per year, or about $145 per month.
  5. North Star: $1,938 per year, or about $161 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.

  1. State Farm: $1,403 per year, or about $117 per month.
  2. American Family: $1,410 per year, or about $118 per month.
  3. Progressive: $1,972 per year, or about $164 per month.
  4. Auto-Owners: $2,174 per year, or about $181 per month.
  5. Nationwide: $2,627 per year, or about $219 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:

  1. State Farm: $941 per year, or about $78 per month.
  2. North Star: $1,064 per year, or about $89 per month.
  3. Nationwide: $1,109 per year, or about $92 per month.
  4. American Family: $1,127 per year, or about $94 per month.
  5. Auto-Owners: $1,224 per year, or about $102 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:

  1. North Star: $226 per year, or about $19 per month.
  2. State Farm: $243 per year, or about $20 per month.
  3. Auto-Owners: $309 per year, or about $26 per month.
  4. Nationwide: $352 per year, or about $29 per month.
  5. Grinnell: $369 per year, or about $31 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:

  1. Nationwide: $1,590 per year, or about $133 per month.
  2. North Star: $1,766 per year, or about $147 per month.
  3. American Family: $1,827 per year, or about $152 per month.
  4. State Farm: $2,043 per year, or about $170 per month.
  5. Allstate: $2,542 per year, or about $212 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:

  1. State Farm: $273 per year, or about $23 per month.
  2. North Star: $338 per year, or about $28 per month.
  3. Grinnell: $369 per year, or about $31 per month.
  4. Nodak: $408 per year, or about $34 per month.
  5. Auto-Owners: $421 per year, or about $35 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:

  1. State Farm: $1,134 per year, or about $95 per month.
  2. Auto-Owners: $1,351 per year, or about $113 per month.
  3. American Family: $1,388 per year, or about $116 per month.
  4. Grinnell: $1,722 per year, or about $143 per month.
  5. Nationwide: $1,850 per year, or about $154 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.

  1. State Farm: $1,289 per year, or about $107 per month.
  2. American Family: $1,357 per year, or about $113 per month.
  3. Progressive: $1,881 per year, or about $157 per month.
  4. Auto-Owners: $2,104 per year, or about $175 per month.
  5. Nationwide: $2,489 per year, or about $207 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:

  1. State Farm: $971 per year, or about $81 per month.
  2. North Star: $1,064 per year, or about $89 per month.
  3. American Family: $1,159 per year, or about $97 per month.
  4. Nationwide: $1,181 per year, or about $98 per month.
  5. Auto-Owners: $1,344 per year, or about $112 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:

  1. North Star: $226 per year, or about $19 per month.
  2. State Farm: $262 per year, or about $22 per month.
  3. Nationwide: $383 per year, or about $32 per month.
  4. Auto-Owners: $391 per year, or about $33 per month.
  5. Nodak: $407 per year, or about $34 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:

  1. Nationwide: $1,689 per year, or about $141 per month.
  2. North Star: $1,766 per year, or about $147 per month.
  3. American Family: $1,880 per year, or about $157 per month.
  4. State Farm: $2,109 per year, or about $176 per month.
  5. Allstate: $2,676 per year, or about $223 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:

  1. State Farm: $294 per year, or about $25 per month.
  2. North Star: $338 per year, or about $28 per month.
  3. Grinnell: $420 per year, or about $35 per month.
  4. Nodak: $446 per year, or about $37 per month.
  5. Nationwide: $460 per year, or about $38 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:

  1. State Farm: $1,175 per year, or about $98 per month.
  2. American Family: $1,462 per year, or about $122 per month.
  3. Auto-Owners: $1,502 per year, or about $125 per month.
  4. Grinnell: $1,797 per year, or about $150 per month.
  5. Nationwide: $1,938 per year, or about $161 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.

  1. State Farm: $1,344 per year, or about $112 per month.
  2. American Family: $1,410 per year, or about $118 per month.
  3. Progressive: $2,206 per year, or about $184 per month.
  4. Auto-Owners: $2,444 per year, or about $204 per month.
  5. Nationwide: $2,577 per year, or about $215 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 68 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

Methodology

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 2020 Toyota Camry L 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.

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