Because prices can vary dramatically from one company to the next, shopping around is key to finding cheap car insurance in North Dakota. Rates also depend on personal factors such as your age, accident history and credit.
To help you pinpoint the best deal for your circumstances, NerdWallet analyzed quotes from the eight largest insurers in the state and found the three most affordable options for several motorist types.
Cheapest for good drivers
Nodak Mutual had the lowest rates we found for good drivers in North Dakota with good credit, at $68 per month, on average. State Farm and American Family came in second and third, respectively.
Insurer | Average price |
---|---|
*Nodak is not rated because there is not enough data to evaluate it against larger companies. | |
![]() NerdWallet rating: *Not rated | $820/year $68/month |
![]() | $906/year $76/month |
![]() | $1,112/year $93/month |
Cheapest for drivers with poor credit
State Farm had the lowest rates we found for North Dakota drivers with blemished credit, at $147 per month, on average. Nodak Mutual and North Star round out the cheapest three.
Insurer | Average price |
---|---|
*Nodak and North Star are not rated because there is not enough data to evaluate them against larger companies. | |
![]() | $1,769/year $147/month |
![]() NerdWallet rating: *Not rated | $1,844/year $154/month |
![]() NerdWallet rating: *Not rated | $1,915/year $160/month |
Cheapest for drivers with one at-fault crash
Nodak Mutual had the best auto insurance rates for North Dakotans with a recent at-fault accident, at $84 per month, on average. State Farm and Allstate also make the list.
Insurer | Average price |
---|---|
*Nodak is not rated because there is not enough data to evaluate it against larger companies. | |
![]() NerdWallet rating: *Not rated | $1,009/year $84/month |
![]() | $1,057/year $88/month |
![]() | $1,676/year $140/month |
Cheapest for low-mileage drivers
Nodak Mutual was the cheapest insurer we found for North Dakota drivers who put few annual miles on their odometers, at $64 per month, on average. State Farm and American Family complete the set.
Insurer | Average price |
---|---|
*Nodak is not rated because there is not enough data to evaluate it against larger companies. | |
![]() NerdWallet rating: *Not rated | $771/year $64/month |
![]() | $811/year $68/month |
![]() | $992/year $83/month |
Cheapest for minimum coverage
North Star was the cheapest carrier in our analysis for minimum coverage car insurance in North Dakota, at $22 per month, on average. American Family and Nodak Mutual were second- and third-cheapest, respectively.
Insurer | Average price |
---|---|
*North Star and Nodak are not rated because there is not enough data to evaluate them against larger companies. | |
![]() NerdWallet rating: *Not rated | $270/year $22/month |
![]() | $289/year $24/month |
![]() NerdWallet rating: *Not rated | $305/year $25/month |
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.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in North Dakota
Category | Cheapest option |
---|---|
Good drivers | Nodak Mutual |
Drivers with poor credit | State Farm |
Drivers with one at-fault crash | Nodak Mutual |
Low-mileage drivers | Nodak Mutual |
Minimum coverage | North Star |