Nerdy takeaways
Nationwide offers the cheapest full coverage in North Dakota, with an average rate of $1,406 per year according to NerdWallet's May 2025 analysis.
Full coverage in North Dakota costs an average of $2,055 per year, or $171 per month.
If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in North Dakota is $461 per year, or $38 per month.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap car insurance in North Dakota
Here's the cheapest full coverage car insurance in North Dakota for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Nationwide | $1,406 |
| After a DUI | Progressive | $2,086 |
| After an accident | Auto-Owners | $2,214 |
| After a speeding ticket | Nationwide | $1,863 |
| Having poor credit | Nationwide | $2,197 |
Did your rates go up? Auto insurance prices are on the rise in North Dakota. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
The cheapest car insurance company in North Dakota is Nationwide at $1,406 per year on average, or $117 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 $2,055 per year, or about $171 per month.
Minimum coverage in North Dakota is $461 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 $312 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 12 auto insurers in North Dakota and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2022 Toyota Camry LE. 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.
- 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 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.
Cheap auto insurance in North Dakota 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $3,056 | $255 |
| Nationwide | $3,103 | $259 |
| GEICO | $3,351 | $279 |
| Auto-Owners | $3,594 | $299 |
| North Star | $3,724 | $310 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $618 | $52 |
| GEICO | $740 | $62 |
| Auto-Owners | $789 | $66 |
| Progressive | $796 | $66 |
| Nodak | $820 | $68 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $1,026 | $86 |
| GEICO | $1,121 | $93 |
| Progressive | $1,306 | $109 |
| Nodak | $1,318 | $110 |
| Nationwide | $1,562 | $130 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $832 | $69 |
| Nodak | $934 | $78 |
| Progressive | $973 | $81 |
| Auto-Owners | $1,098 | $91 |
| American Family | $1,189 | $99 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $923 | $77 |
| North Star | $942 | $79 |
| Progressive | $988 | $82 |
| Nationwide | $1,260 | $105 |
| GEICO | $1,334 | $111 |
Cheapest car 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.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $919 | $77 |
| Nodak | $1,158 | $97 |
| American Family | $1,447 | $121 |
| North Star | $1,470 | $123 |
| Nationwide | $1,478 | $123 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in North Dakota 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 seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Nationwide | $1,421 | $118 |
| Progressive | $1,818 | $152 |
| GEICO | $1,823 | $152 |
| North Star | $1,920 | $160 |
| Auto-Owners | $2,067 | $172 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $312 | $26 |
| Auto-Owners | $377 | $31 |
| GEICO | $411 | $34 |
| Nodak | $422 | $35 |
| Progressive | $476 | $40 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $516 | $43 |
| GEICO | $571 | $48 |
| Nodak | $675 | $56 |
| Nationwide | $744 | $62 |
| Progressive | $770 | $64 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $354 | $30 |
| Nodak | $479 | $40 |
| Auto-Owners | $519 | $43 |
| State Farm | $598 | $50 |
| Progressive | $610 | $51 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $439 | $37 |
| North Star | $522 | $44 |
| Progressive | $671 | $56 |
| State Farm | $674 | $56 |
| Nodak | $704 | $59 |
Cheapest car 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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $557 | $46 |
| Nodak | $591 | $49 |
| State Farm | $803 | $67 |
| Auto-Owners | $822 | $69 |
| North Star | $896 | $75 |
Cheap auto insurance in North Dakota 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Nationwide | $1,364 | $114 |
| Progressive | $1,583 | $132 |
| GEICO | $1,907 | $159 |
| North Star | $1,920 | $160 |
| Auto-Owners | $2,011 | $168 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $312 | $26 |
| Nodak | $391 | $33 |
| Auto-Owners | $396 | $33 |
| GEICO | $425 | $35 |
| Progressive | $441 | $37 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $516 | $43 |
| GEICO | $584 | $49 |
| Nodak | $626 | $52 |
| Progressive | $718 | $60 |
| Nationwide | $739 | $62 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $354 | $30 |
| Nodak | $444 | $37 |
| Auto-Owners | $545 | $45 |
| Progressive | $568 | $47 |
| State Farm | $606 | $50 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $461 | $38 |
| North Star | $522 | $44 |
| Progressive | $629 | $52 |
| Nodak | $653 | $54 |
| State Farm | $682 | $57 |
Cheapest car insurance in North Dakota for 40-year-old drivers after a DUI
The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $518 | $43 |
| Nodak | $549 | $46 |
| State Farm | $813 | $68 |
| Auto-Owners | $863 | $72 |
| American Family | $865 | $72 |
Cheap auto insurance in North Dakota 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Nationwide | $1,263 | $105 |
| Progressive | $1,383 | $115 |
| GEICO | $1,604 | $134 |
| North Star | $1,676 | $140 |
| Auto-Owners | $1,878 | $157 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $278 | $23 |
| Nodak | $349 | $29 |
| GEICO | $369 | $31 |
| Auto-Owners | $379 | $32 |
| Progressive | $406 | $34 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $458 | $38 |
| GEICO | $487 | $41 |
| Nodak | $560 | $47 |
| Progressive | $656 | $55 |
| Nationwide | $707 | $59 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $314 | $26 |
| Nodak | $397 | $33 |
| Auto-Owners | $521 | $43 |
| Progressive | $523 | $44 |
| Nationwide | $591 | $49 |
Cheapest car 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 minimum coverage rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $442 | $37 |
| North Star | $474 | $40 |
| Progressive | $595 | $50 |
| Nodak | $623 | $52 |
| Grinnell | $640 | $53 |
Cheapest car 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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $475 | $40 |
| Nodak | $492 | $41 |
| American Family | $794 | $66 |
| State Farm | $802 | $67 |
| Auto-Owners | $819 | $68 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in North Dakota 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Nationwide | $1,145 | $95 |
| Progressive | $1,303 | $109 |
| GEICO | $1,322 | $110 |
| North Star | $1,676 | $140 |
| Auto-Owners | $1,762 | $147 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $278 | $23 |
| GEICO | $303 | $25 |
| Nodak | $359 | $30 |
| Auto-Owners | $381 | $32 |
| Progressive | $386 | $32 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $381 | $32 |
| North Star | $458 | $38 |
| Nodak | $578 | $48 |
| Progressive | $619 | $52 |
| Nationwide | $644 | $54 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $314 | $26 |
| Nodak | $408 | $34 |
| Progressive | $497 | $41 |
| Auto-Owners | $521 | $43 |
| Nationwide | $552 | $46 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $443 | $37 |
| North Star | $474 | $40 |
| Progressive | $567 | $47 |
| Grinnell | $614 | $51 |
| State Farm | $624 | $52 |
Cheapest car 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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $451 | $38 |
| Nodak | $506 | $42 |
| State Farm | $743 | $62 |
| American Family | $803 | $67 |
| Auto-Owners | $824 | $69 |
Cheap auto insurance in North Dakota 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $1,315 | $110 |
| Nationwide | $1,340 | $112 |
| GEICO | $1,360 | $113 |
| North Star | $1,676 | $140 |
| Auto-Owners | $1,926 | $160 |
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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $278 | $23 |
| GEICO | $317 | $26 |
| Nodak | $394 | $33 |
| Progressive | $423 | $35 |
| Nationwide | $492 | $41 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $413 | $34 |
| North Star | $458 | $38 |
| Nodak | $632 | $53 |
| Progressive | $685 | $57 |
| Nationwide | $705 | $59 |
Cheapest car 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:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $314 | $26 |
| Nodak | $447 | $37 |
| Progressive | $557 | $46 |
| Nationwide | $597 | $50 |
| State Farm | $597 | $50 |
Cheapest car 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 minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| North Star | $474 | $40 |
| Auto-Owners | $576 | $48 |
| Progressive | $633 | $53 |
| State Farm | $673 | $56 |
| Nodak | $700 | $58 |
Cheapest car 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 minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $497 | $41 |
| Nodak | $553 | $46 |
| State Farm | $801 | $67 |
| North Star | $852 | $71 |
| American Family | $873 | $73 |
Cheapest car insurance for military families in North Dakota
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 the cheapest auto insurance options for 62 of the 70 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 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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.
