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Best Cheap Car Insurance in North Dakota for 2021

Dec. 9, 2020
Auto Insurance, Insurance
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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 22 insurers in the state and found the five most affordable options for several motorist types.

Cheapest for 20-year-old drivers in North Dakota

Drivers in their 20s may have to get a lot of quotes to find 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 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: $1,663 per year.
  2. Geico: $1,902 per year.
  3. Nodak: $1,941 per year.
  4. Nationwide: $2,005 per year.
  5. Farmers Union: $2,146 per year.

Cheapest minimum coverage 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: $389 per year.
  2. North Star: $432 per year.
  3. Geico: $524 per year.
  4. Auto-Owners: $606 per year.
  5. American Family: $640 per year.

Cheapest coverage for 20-year-olds with poor credit in North Dakota

Drivers with poor credit in North Dakota should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $679 per year.
  2. North Star: $719 per year.
  3. Nodak: $808 per year.
  4. American Family: $1,088 per year.
  5. Auto-Owners: $1,116 per year.

Cheapest for 20-year-old drivers with one at-fault crash in North Dakota

For drivers with a recent accident in North Dakota, here are the companies with the lowest average rates for minimum coverage:

  1. Nodak: $509 per year.
  2. American Family: $640 per year.
  3. North Star: $659 per year.
  4. Geico: $760 per year.
  5. Auto-Owners: $829 per year.

Cheapest insurance for 20-year-old drivers after a DUI in North Dakota

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Nodak: $609 per year.
  2. American Family: $749 per year.
  3. Progressive: $858 per year.
  4. North Star: $1,019 per year.
  5. Farmers: $1,087 per year.

Cheapest for 30-year-old drivers in North Dakota

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 in North Dakota for 30-year-olds

Drivers in North Dakota with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,008 per year.
  2. Nationwide: $1,016 per year.
  3. American Family: $1,074 per year.
  4. Nodak: $1,096 per year.
  5. North Star: $1,106 per year.

Cheapest minimum coverage 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: $200 per year.
  2. North Star: $209 per year.
  3. Geico: $253 per year.
  4. Auto-Owners: $274 per year.
  5. State Farm: $309 per year.

Cheapest coverage for 30-year-olds with poor credit in North Dakota

Drivers with poor credit in North Dakota should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,449 per year.
  2. Geico: $1,520 per year.
  3. American Family: $1,647 per year.
  4. North Star: $1,835 per year.
  5. Farmers: $2,192 per year.

Cheapest for 30-year-old drivers with one at-fault crash in North Dakota

For drivers in North Dakota with a recent accident, here are the lowest average rate options for full coverage:

  1. American Family: $1,074 per year.
  2. Auto-Owners: $1,415 per year.
  3. Nodak: $1,431 per year.
  4. State Farm: $1,445 per year.
  5. Nationwide: $1,574 per year.

Cheapest insurance for 30-year-old drivers after a DUI in North Dakota

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American Family: $1,344 per year.
  2. Progressive: $1,412 per year.
  3. State Farm: $1,653 per year.
  4. Nodak: $1,712 per year.
  5. Farmers Union: $1,878 per year.

Cheapest for 40-year-old drivers in North Dakota

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 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: $978 per year.
  2. American Family: $987 per year.
  3. Geico: $1,008 per year.
  4. Nodak: $1,030 per year.
  5. North Star: $1,106 per year.

Cheapest minimum coverage 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: $182 per year.
  2. North Star: $209 per year.
  3. Geico: $253 per year.
  4. Auto-Owners: $295 per year.
  5. State Farm: $312 per year.

Cheapest coverage for 40-year-olds with poor credit in North Dakota

Drivers with poor credit in North Dakota can check out the following insurers with the lowest average rates for full coverage:

  1. Nationwide: $1,394 per year.
  2. American Family: $1,503 per year.
  3. Geico: $1,520 per year.
  4. North Star: $1,835 per year.
  5. Farmers Union: $2,088 per year.

Cheapest for 40-year-old drivers with one at-fault crash in North Dakota

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: $987 per year.
  2. Nodak: $1,346 per year.
  3. State Farm: $1,403 per year.
  4. Auto-Owners: $1,431 per year.
  5. Nationwide: $1,525 per year.

Cheapest insurance for 40-year-old drivers after a DUI in North Dakota

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American Family: $1,230 per year.
  2. Progressive: $1,320 per year.
  3. State Farm: $1,607 per year.
  4. Nodak: $1,610 per year.
  5. Farmers Union: $1,747 per year.

Cheapest for 50-year-old drivers in North Dakota

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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: $814 per year.
  2. Geico: $878 per year.
  3. Nationwide: $909 per year.
  4. American Family: $910 per year.
  5. North Star: $965 per year.

Cheapest minimum coverage 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: $148 per year.
  2. North Star: $183 per year.
  3. Geico: $227 per year.
  4. Auto-Owners: $282 per year.
  5. State Farm: $309 per year.

Cheapest coverage for 50-year-olds with poor credit in North Dakota

Drivers with poor credit in North Dakota can check with the following companies, which showed the lowest average rates for full coverage:

  1. Nationwide: $1,292 per year.
  2. Geico: $1,326 per year.
  3. American Family: $1,382 per year.
  4. North Star: $1,600 per year.
  5. Nodak: $1,690 per year.

Cheapest for 50-year-old drivers with one at-fault crash in North Dakota

For drivers living in North Dakota with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American Family: $910 per year.
  2. Nodak: $1,159 per year.
  3. Auto-Owners: $1,342 per year.
  4. State Farm: $1,357 per year.
  5. Nationwide: $1,440 per year.

Cheapest insurance for 50-year-old drivers after a DUI in North Dakota

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: $1,131 per year.
  2. Progressive: $1,203 per year.
  3. Nodak: $1,272 per year.
  4. State Farm: $1,559 per year.
  5. Farmers Union: $1,728 per year.

Cheapest for 65-year-old drivers in North Dakota

Although 65-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 auto insurance for seniors, drivers in their mid-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 in North Dakota for 65-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. Nodak: $792 per year.
  2. Nationwide: $838 per year.
  3. Geico: $848 per year.
  4. American Family: $870 per year.
  5. North Star: $965 per year.

Cheapest minimum coverage in North Dakota for 65-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: $153 per year.
  2. North Star: $183 per year.
  3. Geico: $221 per year.
  4. State Farm: $294 per year.
  5. Auto-Owners: $311 per year.

Cheapest coverage for 65-year-olds with poor credit in North Dakota

Drivers with poor credit in North Dakota can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $992 per year.
  2. Nationwide: $1,182 per year.
  3. American Family: $1,328 per year.
  4. North Star: $1,600 per year.
  5. Nodak: $1,644 per year.

Cheapest for 65-year-old drivers with one at-fault crash in North Dakota

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: $870 per year.
  2. Nodak: $1,130 per year.
  3. State Farm: $1,251 per year.
  4. Auto-Owners: $1,336 per year.
  5. Nationwide: $1,352 per year.

Cheapest insurance for 65-year-old drivers after a DUI in North Dakota

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: $1,088 per year.
  2. Nodak: $1,238 per year.
  3. Progressive: $1,292 per year.
  4. State Farm: $1,442 per year.
  5. Farmers: $1,772 per year.

Cheapest 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 five auto insurance options for 38 of the 40 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.