Cheap Car Insurance in North Dakota for March 2024

American Family offers the cheapest car insurance in North Dakota, with an average annual rate of $1,485 for full coverage.
Ben Moore
By Ben Moore 
Updated

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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 American Family at $1,485 per year on average, or $124 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 $2,329 per year, or about $194 per month.

Minimum coverage in North Dakota is $540 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 $325 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 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: $2,622 per year, or about $219 per month.
  2. Progressive: $3,284 per year, or about $274 per month.
  3. Nationwide: $3,375 per year, or about $281 per month.
  4. Nodak: $3,980 per year, or about $332 per month.
  5. North Star: $4,156 per year, or about $346 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: $680 per year, or about $57 per month.
  2. North Star: $758 per year, or about $63 per month.
  3. Progressive: $978 per year, or about $82 per month.
  4. Grinnell: $1,042 per year, or about $87 per month.
  5. Auto-Owners: $1,071 per year, or about $89 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: $758 per year, or about $63 per month.
  2. Grinnell: $1,042 per year, or about $87 per month.
  3. Auto-Owners: $1,071 per year, or about $89 per month.
  4. Nationwide: $1,140 per year, or about $95 per month.
  5. Geico: $1,316 per year, or about $110 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. Nodak: $772 per year, or about $64 per month.
  2. North Star: $1,020 per year, or about $85 per month.
  3. Grinnell: $1,042 per year, or about $87 per month.
  4. Progressive: $1,123 per year, or about $94 per month.
  5. American Family: $1,198 per year, or about $100 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. Grinnell: $1,042 per year, or about $87 per month.
  2. Nodak: $1,142 per year, or about $95 per month.
  3. North Star: $1,158 per year, or about $97 per month.
  4. Progressive: $1,197 per year, or about $100 per month.
  5. American Family: $1,253 per year, or about $104 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: $957 per year, or about $80 per month.
  2. Progressive: $1,089 per year, or about $91 per month.
  3. American Family: $1,235 per year, or about $103 per month.
  4. Nationwide: $1,777 per year, or about $148 per month.
  5. North Star: $1,808 per year, or about $151 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. American Family: $1,489 per year, or about $124 per month.
  2. Nationwide: $1,709 per year, or about $142 per month.
  3. Progressive: $1,975 per year, or about $165 per month.
  4. North Star: $2,182 per year, or about $182 per month.
  5. Nodak: $2,262 per year, or about $188 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: $349 per year, or about $29 per month.
  2. North Star: $372 per year, or about $31 per month.
  3. Auto-Owners: $526 per year, or about $44 per month.
  4. Grinnell: $531 per year, or about $44 per month.
  5. Nationwide: $550 per year, or about $46 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: $1,709 per year, or about $142 per month.
  2. North Star: $2,182 per year, or about $182 per month.
  3. American Family: $2,500 per year, or about $208 per month.
  4. Auto-Owners: $2,686 per year, or about $224 per month.
  5. Geico: $2,983 per year, or about $249 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. Nodak: $397 per year, or about $33 per month.
  2. North Star: $430 per year, or about $36 per month.
  3. Grinnell: $531 per year, or about $44 per month.
  4. Nationwide: $668 per year, or about $56 per month.
  5. State Farm: $711 per year, or about $59 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: $2,253 per year, or about $188 per month.
  2. Nationwide: $2,731 per year, or about $228 per month.
  3. Progressive: $2,759 per year, or about $230 per month.
  4. Auto-Owners: $2,965 per year, or about $247 per month.
  5. Grinnell: $3,039 per year, or about $253 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. Progressive: $2,301 per year, or about $192 per month.
  2. American Family: $2,667 per year, or about $222 per month.
  3. Nodak: $3,186 per year, or about $266 per month.
  4. Nationwide: $3,546 per year, or about $296 per month.
  5. State Farm: $4,365 per year, or about $364 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. American Family: $1,447 per year, or about $121 per month.
  2. Nationwide: $1,641 per year, or about $137 per month.
  3. Progressive: $1,789 per year, or about $149 per month.
  4. Nodak: $2,135 per year, or about $178 per month.
  5. North Star: $2,182 per year, or about $182 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: $319 per year, or about $27 per month.
  2. North Star: $372 per year, or about $31 per month.
  3. Auto-Owners: $522 per year, or about $43 per month.
  4. Grinnell: $540 per year, or about $45 per month.
  5. Nationwide: $543 per year, or about $45 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: $1,641 per year, or about $137 per month.
  2. North Star: $2,182 per year, or about $182 per month.
  3. Auto-Owners: $2,426 per year, or about $202 per month.
  4. American Family: $2,446 per year, or about $204 per month.
  5. Grinnell: $2,971 per year, or about $248 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. Nodak: $363 per year, or about $30 per month.
  2. North Star: $430 per year, or about $36 per month.
  3. Grinnell: $540 per year, or about $45 per month.
  4. Nationwide: $651 per year, or about $54 per month.
  5. American Family: $693 per year, or about $58 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: $2,253 per year, or about $188 per month.
  2. Progressive: $2,556 per year, or about $213 per month.
  3. Nationwide: $2,646 per year, or about $221 per month.
  4. Auto-Owners: $2,687 per year, or about $224 per month.
  5. Grinnell: $2,971 per year, or about $248 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. Progressive: $2,101 per year, or about $175 per month.
  2. American Family: $2,667 per year, or about $222 per month.
  3. Nodak: $3,009 per year, or about $251 per month.
  4. Nationwide: $3,460 per year, or about $288 per month.
  5. State Farm: $4,199 per year, or about $350 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. American Family: $1,301 per year, or about $108 per month.
  2. Nationwide: $1,519 per year, or about $127 per month.
  3. Progressive: $1,612 per year, or about $134 per month.
  4. North Star: $1,628 per year, or about $136 per month.
  5. Nodak: $1,834 per year, or about $153 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: $287 per year, or about $24 per month.
  2. North Star: $288 per year, or about $24 per month.
  3. Grinnell: $454 per year, or about $38 per month.
  4. Auto-Owners: $466 per year, or about $39 per month.
  5. Nationwide: $519 per year, or about $43 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: $1,519 per year, or about $127 per month.
  2. North Star: $1,628 per year, or about $136 per month.
  3. Auto-Owners: $2,081 per year, or about $173 per month.
  4. American Family: $2,202 per year, or about $184 per month.
  5. Grinnell: $2,419 per year, or about $202 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. Nodak: $326 per year, or about $27 per month.
  2. North Star: $328 per year, or about $27 per month.
  3. Grinnell: $454 per year, or about $38 per month.
  4. American Family: $632 per year, or about $53 per month.
  5. Nationwide: $635 per year, or about $53 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: $2,049 per year, or about $171 per month.
  2. Auto-Owners: $2,299 per year, or about $192 per month.
  3. Progressive: $2,397 per year, or about $200 per month.
  4. Grinnell: $2,419 per year, or about $202 per month.
  5. Nationwide: $2,493 per year, or about $208 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. Progressive: $1,909 per year, or about $159 per month.
  2. American Family: $2,398 per year, or about $200 per month.
  3. Nodak: $2,587 per year, or about $216 per month.
  4. Nationwide: $3,308 per year, or about $276 per month.
  5. Auto-Owners: $3,605 per year, or about $300 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. American Family: $1,301 per year, or about $108 per month.
  2. Nationwide: $1,368 per year, or about $114 per month.
  3. Progressive: $1,532 per year, or about $128 per month.
  4. North Star: $1,628 per year, or about $136 per month.
  5. Nodak: $1,809 per year, or about $151 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: $288 per year, or about $24 per month.
  2. Nodak: $295 per year, or about $25 per month.
  3. Grinnell: $437 per year, or about $36 per month.
  4. Auto-Owners: $438 per year, or about $37 per month.
  5. Nationwide: $480 per year, or about $40 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: $1,368 per year, or about $114 per month.
  2. North Star: $1,628 per year, or about $136 per month.
  3. Auto-Owners: $1,889 per year, or about $157 per month.
  4. American Family: $2,202 per year, or about $184 per month.
  5. Grinnell: $2,397 per year, or about $200 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. North Star: $328 per year, or about $27 per month.
  2. Nodak: $335 per year, or about $28 per month.
  3. Grinnell: $437 per year, or about $36 per month.
  4. Nationwide: $593 per year, or about $49 per month.
  5. Auto-Owners: $600 per year, or about $50 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: $2,049 per year, or about $171 per month.
  2. Auto-Owners: $2,089 per year, or about $174 per month.
  3. Nationwide: $2,308 per year, or about $192 per month.
  4. Progressive: $2,308 per year, or about $192 per month.
  5. Grinnell: $2,397 per year, or about $200 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. Progressive: $1,816 per year, or about $151 per month.
  2. American Family: $2,398 per year, or about $200 per month.
  3. Nodak: $2,550 per year, or about $213 per month.
  4. Nationwide: $3,122 per year, or about $260 per month.
  5. Auto-Owners: $3,279 per year, or about $273 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. American Family: $1,396 per year, or about $116 per month.
  2. Nationwide: $1,476 per year, or about $123 per month.
  3. North Star: $1,628 per year, or about $136 per month.
  4. Progressive: $1,699 per year, or about $142 per month.
  5. Nodak: $1,857 per year, or about $155 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: $288 per year, or about $24 per month.
  2. Nodak: $324 per year, or about $27 per month.
  3. Grinnell: $498 per year, or about $41 per month.
  4. Auto-Owners: $508 per year, or about $42 per month.
  5. Nationwide: $523 per year, or about $44 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: $1,476 per year, or about $123 per month.
  2. North Star: $1,628 per year, or about $136 per month.
  3. Auto-Owners: $1,873 per year, or about $156 per month.
  4. American Family: $2,378 per year, or about $198 per month.
  5. Grinnell: $2,480 per year, or about $207 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. North Star: $328 per year, or about $27 per month.
  2. Nodak: $365 per year, or about $30 per month.
  3. Grinnell: $498 per year, or about $41 per month.
  4. Nationwide: $636 per year, or about $53 per month.
  5. American Family: $676 per year, or about $56 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. Auto-Owners: $2,093 per year, or about $174 per month.
  2. American Family: $2,181 per year, or about $182 per month.
  3. Nationwide: $2,438 per year, or about $203 per month.
  4. Grinnell: $2,480 per year, or about $207 per month.
  5. Progressive: $2,644 per year, or about $220 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. Progressive: $2,125 per year, or about $177 per month.
  2. American Family: $2,572 per year, or about $214 per month.
  3. Nodak: $2,617 per year, or about $218 per month.
  4. Nationwide: $3,236 per year, or about $270 per month.
  5. Auto-Owners: $3,430 per year, or about $286 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 58 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 2021 Toyota Camry LE 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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