The Cheapest Car Insurance in North Dakota for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in North Dakota for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in North Dakota isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in North Dakota is $1,302 per year, or about $109 per month, according to NerdWallet’s analysis. Minimum coverage in North Dakota is $368 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 $175 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: 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 the country 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.

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Cheapest car insurance company overall in North Dakota

$79/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

Nodak

$15/month

Not yet rated.

Cheapest for young drivers

$143/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

$79/month

4.5

NerdWallet rating 

How we chose the cheapest companies in North Dakota

NerdWallet’s editorial team analyzed car insurance rates from 13 auto insurers in North Dakota and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

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: $1,716 per year, or about $143 per month.

  2. Nationwide: $1,929 per year, or about $161 per month.

  3. Nodak: $1,965 per year, or about $164 per month.

  4. Geico: $1,966 per year, or about $164 per month.

  5. North Star: $2,212 per year, or about $184 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. Nodak: $372 per year, or about $31 per month.

  2. North Star: $399 per year, or about $33 per month.

  3. Geico: $524 per year, or about $44 per month.

  4. Auto-Owners: $579 per year, or about $48 per month.

  5. American Family: $643 per year, or about $54 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: $663 per year, or about $55 per month.

  2. Geico: $679 per year, or about $57 per month.

  3. Nodak: $854 per year, or about $71 per month.

  4. Grinnell: $1,045 per year, or about $87 per month.

  5. American Family: $1,094 per year, or about $91 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. Nodak: $487 per year, or about $41 per month.

  2. North Star: $608 per year, or about $51 per month.

  3. American Family: $643 per year, or about $54 per month.

  4. Geico: $760 per year, or about $63 per month.

  5. Auto-Owners: $791 per year, or about $66 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. Nodak: $582 per year, or about $48 per month.

  2. American Family: $753 per year, or about $63 per month.

  3. Progressive: $870 per year, or about $72 per month.

  4. North Star: $941 per year, or about $78 per month.

  5. MetLife: $987 per year, or about $82 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Nationwide: $959 per year, or about $80 per month.

  2. Geico: $1,040 per year, or about $87 per month.

  3. American Family: $1,108 per year, or about $92 per month.

  4. Nodak: $1,114 per year, or about $93 per month.

  5. North Star: $1,133 per year, or about $94 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. Nodak: $191 per year, or about $16 per month.

  2. North Star: $193 per year, or about $16 per month.

  3. Geico: $253 per year, or about $21 per month.

  4. Auto-Owners: $278 per year, or about $23 per month.

  5. State Farm: $288 per year, or about $24 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: $1,357 per year, or about $113 per month.

  2. Geico: $1,564 per year, or about $130 per month.

  3. American Family: $1,696 per year, or about $141 per month.

  4. North Star: $1,877 per year, or about $156 per month.

  5. Farmers: $2,254 per year, or about $188 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. American Family: $1,108 per year, or about $92 per month.

  2. State Farm: $1,450 per year, or about $121 per month.

  3. Nodak: $1,455 per year, or about $121 per month.

  4. Nationwide: $1,475 per year, or about $123 per month.

  5. Auto-Owners: $1,590 per year, or about $132 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. American Family: $1,388 per year, or about $116 per month.

  2. Progressive: $1,505 per year, or about $125 per month.

  3. State Farm: $1,642 per year, or about $137 per month.

  4. Nodak: $1,741 per year, or about $145 per month.

  5. Nationwide: $1,885 per year, or about $157 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. Nationwide: $932 per year, or about $78 per month.

  2. American Family: $1,019 per year, or about $85 per month.

  3. Nodak: $1,049 per year, or about $87 per month.

  4. Geico: $1,080 per year, or about $90 per month.

  5. North Star: $1,103 per year, or about $92 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. Nodak: $174 per year, or about $14 per month.

  2. North Star: $193 per year, or about $16 per month.

  3. Geico: $253 per year, or about $21 per month.

  4. State Farm: $290 per year, or about $24 per month.

  5. Auto-Owners: $293 per year, or about $24 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: $1,319 per year, or about $110 per month.

  2. American Family: $1,549 per year, or about $129 per month.

  3. Geico: $1,628 per year, or about $136 per month.

  4. North Star: $1,828 per year, or about $152 per month.

  5. Progressive: $2,154 per year, or about $180 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. American Family: $1,019 per year, or about $85 per month.

  2. Nodak: $1,372 per year, or about $114 per month.

  3. State Farm: $1,406 per year, or about $117 per month.

  4. Nationwide: $1,444 per year, or about $120 per month.

  5. Auto-Owners: $1,575 per year, or about $131 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. American Family: $1,271 per year, or about $106 per month.

  2. Progressive: $1,376 per year, or about $115 per month.

  3. State Farm: $1,594 per year, or about $133 per month.

  4. Nodak: $1,640 per year, or about $137 per month.

  5. Nationwide: $1,858 per year, or about $155 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. Nodak: $828 per year, or about $69 per month.

  2. Nationwide: $866 per year, or about $72 per month.

  3. American Family: $939 per year, or about $78 per month.

  4. Geico: $940 per year, or about $78 per month.

  5. North Star: $958 per year, or about $80 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. Nodak: $141 per year, or about $12 per month.

  2. North Star: $169 per year, or about $14 per month.

  3. Geico: $227 per year, or about $19 per month.

  4. Auto-Owners: $284 per year, or about $24 per month.

  5. State Farm: $288 per year, or about $24 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: $1,223 per year, or about $102 per month.

  2. Geico: $1,419 per year, or about $118 per month.

  3. American Family: $1,424 per year, or about $119 per month.

  4. North Star: $1,594 per year, or about $133 per month.

  5. Grinnell: $1,867 per year, or about $156 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. American Family: $939 per year, or about $78 per month.

  2. Nodak: $1,179 per year, or about $98 per month.

  3. State Farm: $1,356 per year, or about $113 per month.

  4. Nationwide: $1,364 per year, or about $114 per month.

  5. Auto-Owners: $1,469 per year, or about $122 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. American Family: $1,168 per year, or about $97 per month.

  2. Progressive: $1,255 per year, or about $105 per month.

  3. Nodak: $1,294 per year, or about $108 per month.

  4. State Farm: $1,541 per year, or about $128 per month.

  5. Nationwide: $1,778 per year, or about $148 per month.

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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. Nationwide: $795 per year, or about $66 per month.

  2. Nodak: $817 per year, or about $68 per month.

  3. Geico: $891 per year, or about $74 per month.

  4. American Family: $893 per year, or about $74 per month.

  5. North Star: $958 per year, or about $80 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. Nodak: $146 per year, or about $12 per month.

  2. North Star: $169 per year, or about $14 per month.

  3. Geico: $215 per year, or about $18 per month.

  4. State Farm: $273 per year, or about $23 per month.

  5. Auto-Owners: $290 per year, or about $24 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. Geico: $1,043 per year, or about $87 per month.

  2. Nationwide: $1,114 per year, or about $93 per month.

  3. American Family: $1,360 per year, or about $113 per month.

  4. North Star: $1,594 per year, or about $133 per month.

  5. Progressive: $1,832 per year, or about $153 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. American Family: $893 per year, or about $74 per month.

  2. Nodak: $1,163 per year, or about $97 per month.

  3. State Farm: $1,265 per year, or about $105 per month.

  4. Nationwide: $1,275 per year, or about $106 per month.

  5. Auto-Owners: $1,408 per year, or about $117 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. American Family: $1,114 per year, or about $93 per month.

  2. Progressive: $1,192 per year, or about $99 per month.

  3. Nodak: $1,276 per year, or about $106 per month.

  4. State Farm: $1,440 per year, or about $120 per month.

  5. Nationwide: $1,690 per year, or about $141 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 43 of the 48 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.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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