Cheap Car Insurance North Dakota: 2023 Rates & Companies – MarketWatch

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The Cheapest Car Insurance in North Dakota Costs $15/Mo ($185/Yr) for Liability Insurance and $64/Mo ($762/Yr) for Full Coverage Insurance from USAA.White Shield Icon Secure. Fast. Free.
Reviewed by Nick Vitale
We at the MarketWatch Guides team have reviewed the cheapest car insurance options in North Dakota. We also considered the best car insurance companies in North Dakota and ranked our top five picks. Learn more about average costs for different types of drivers in the Peace Garden State and minimum coverage requirements in the state below.
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The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Learn more about our methodology and editorial guidelines.
Because rates are significantly cheaper in North Dakota than the national average, you stand a good chance of finding great car insurance coverage in North Dakota at excellent rates. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, starting with the most affordable providers.
The cheapest car insurance companies in North Dakota are State Farm, Progressive, USAA, North Star Mutual Insurance Company and American Family Insurance. Below are the overall cost ratings for these providers.
*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in North Dakota.
Car insurance companies have different calculation methods for insurance premiums. This means that no two car insurance quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in North Dakota.
The coverage level you choose will have a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While you only have to purchase the state minimum, it’s a good idea to explore all of your options, including a look into full coverage car insurance.
Below are the cheapest auto insurance options in North Dakota for both coverage types.
At $15 per month or $185 per year, USAA provides the cheapest liability car insurance in North Dakota. North Star Mutual Insurance Company and Auto-Owners Insurance are also strong options for drivers.
*All drivers in North Dakota are required to have minimum liability coverage, which is the cheapest car insurance coverage level.
USAA offers the cheapest full coverage car insurance in North Dakota, costing an average of $64 per month or $762 per year. North Dakota motorists can also find affordable coverage from State Farm and American Family Insurance.
*These rates are based on a 35-year-old driver with good credit and a clean driving record. Your rates will vary depending on a number of factors.
The cost of car insurance in North Dakota varies based on a person’s age, driving history and credit scores. Below, we compare cheap car insurance estimates for North Dakota drivers in these categories.
Young drivers in North Dakota pay substantially more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in North Dakota, along with estimated monthly and annual costs.
It can be tough to find cheap car insurance in North Dakota when you recently got your first driver’s license. North Star Mutual Insurance Company offers the cheapest full coverage policies, with an average rate of $2,515 per year.
Prices come down slightly for 17-year-old drivers, though the cheapest option overall remains the same: North Star Mutual Insurance Company with an average rate of $2,515 per year.
USAA has the cheapest average rate in North Dakota for 18-year-olds seeking full coverage. Eighteen-year-old drivers pay an average rate of $2,301 per year when they select USAA in the Peace Garden State.
Prices are generally much lower for drivers in their 20s than for teen drivers. With an average rate of $1,170 per year, USAA typically offers the cheapest car insurance in North Dakota for 21-year-olds. 
Drivers who are 25 years old pay an average rate of $981 per year when they choose USAA for auto insurance in North Dakota. Prices are relatively reasonable across the board once motorists reach their mid-20s, and they generally keep decreasing over time.

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High-risk drivers who have a speeding ticket, DUI, or recent accident on their record pay more for auto insurance in North Dakota. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.
Safe driving habits such as not speeding simplifies finding the cheapest car insurance in North Dakota, but USAA is still affordable at an average rate of $798 per year for those with a ticket.
An increased car insurance quote is nearly inevitable after a recent car crash in North Dakota. Drivers who are involved in an at-fault accident in the state pay an average of $922 per year for full auto insurance coverage from USAA.
You’ll almost certainly be flagged as a high-risk driver if you’re caught driving under the influence (DUI) in a motor vehicle. Because of that, the cheapest car insurance in North Dakota in this case reaches an average of $1,099 per year from Progressive.
Having a bad credit score can lead to significantly higher car insurance premiums. North Dakota drivers with poor credit can find some of the lowest rates with USAA, which offers an average rate of $1,143 per year
For those who would like to know about the cheapest auto insurance in the Peace Garden State, the sections below contain more detailed information:
J.D. Power regional rating: 843/1,000
AM Best financial strength score: A++
BBB rating: A
Drivers in the Peace Garden State can rely on State Farm for inexpensive car insurance and quality coverage. The insurer is known for its network of local agents who offer personalized service, and representatives are available in communities all across North Dakota. State Farm can be a smart choice for young drivers in particular due to its safe driving program and discounts designed for teens and students.
Keep reading: State Farm insurance review
J.D. Power regional rating: 820/1,000
AM Best financial strength score: A+
Better Business Bureau (BBB) rating: F
It’s easy to find competitive pricing through Progressive, thanks to the company’s broad range of car insurance discounts. While many providers turn high-risk motorists away with steep rates, Progressive’s prices remain reasonable for North Dakota drivers with a speeding ticket, DUI or an at-fault accident on their record.
Progressive currently holds an F rating from the BBB, however, which could be troubling for some drivers. We reached out to Progressive for a comment on its rating but received no response.
Keep reading: Progressive insurance review
J.D. Power regional rating: 879/1,000
AM Best financial strength score: A++
BBB rating: A+
USAA’s low rates and top-ranked customer service in the region make it a compelling choice for car insurance in North Dakota. However, only military members, veterans and their families can purchase an auto insurance policy from USAA. If you’re eligible, USAA ranks as a top option for affordable coverage.
Keep reading: USAA insurance review
J.D. Power regional rating: Unranked
AM Best financial strength score: A+
BBB rating: A+
While it’s a relatively small provider, North Star Mutual Insurance Company offers standout car insurance in North Dakota that’s backed by strong financial strength. Drivers often mention the caring service they receive from North Star Mutual, which is based in the small town of Cottonwood, Minn.
J.D. Power regional rating: 848/1,000
AM Best financial strength score: A
BBB rating: A
Drivers can find some of the cheapest car insurance in North Dakota from American Family. It typically offers some of the most competitive rates in the state for young drivers, high-risk drivers and those with poor credit in particular. The company is financially strong as well, according to its high AM Best rating, and can be a reliable coverage option.
The average cost of full coverage car insurance in North Dakota is $1,366 per year or $114 per month. The national average is $1,730 per year, so North Dakota drivers pay 21% less for car insurance than the typical American.
Here’s a look at how North Dakota car insurance costs compare with the rest of the nation.
U.S. map showing the average annual cost of car insurance in each state
The cheapest car insurance in North Dakota is generally minimum coverage, which comes at an average rate of $377 per year or $31 per month. That’s almost 41% cheaper than the national average of $635 per year, so once again you’ll find some of the country’s cheapest car insurance in North Dakota.
What you pay for car insurance in the Peace Garden State is strongly influenced by your age. While the average rate for 30-year-olds in North Dakota is $1,429 per year, 16-year-olds face an annual average premium of $5,796.
Drivers in the western half of North Dakota often get charged the state’s highest car insurance rates. Unlike in many states, some of the cheapest car insurance in North Dakota can be found in larger cities such as Fargo, Bismarck and Grand Forks.
*Average rates above apply to the top three companies in each city.
Car insurance companies consider multiple factors when determining costs for auto policies.Icons showing the factors that influence the cost of car insurance The details that affect rates for car insurance in North Dakota are listed below.
North Dakota state law requires that all motorists follow the minimum coverage limits outlined below:
PIP is a required component of all North Dakota auto insurance policies. It will take care of certain medical expenses in the event of an accident, regardless of who is at fault.
Since North Dakota follows no-fault car insurance laws, your provider will cover personal medical bills regardless of who causes an accident. While no-fault states typically have higher average rates, that’s not true of car insurance in North Dakota.
You don’t need to carry coverage in North Dakota beyond what’s listed above, but many drivers add extra protection. Below are some common coverage types worth considering.
Driving without car insurance in North Dakota is a class B misdemeanor. You’ll receive a fine of at least $150 for first-time offenses and will be required to file an SR-22 after driving without insurance in the Peace Garden State.
It’s smart to compare car insurance quotes from multiple auto insurers before making your final decision on coverage. We recommend considering State Farm, Progressive, USAA, North Star Mutual and American Family Insurance as you begin your search.

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The cheapest car insurance in North Dakota is among the least expensive in the nation, so you shouldn’t end up overpaying for coverage. To lower prices further, you can consider bundling your car coverage with renters or homeowners insurance.
Below are frequently asked questions about cheap car insurance in North Dakota:
Based on our research, the average cost of full coverage car insurance in North Dakota is $1,366 per year or $114 per month. North Dakota drivers pay 21% less for car insurance than the typical American.
North Dakota drivers are required to hold $25,000 per person and $50,000 per accident in bodily injury liability car insurance and uninsured motorist coverage, along with $30,000 per person in PIP coverage.
North Dakota is a no-fault state for car insurance. This means your insurance provider will cover damages to your vehicle regardless of who causes an accident.
The penalty for driving without the state minimum car insurance in North Dakota is a fine of at least $150 for first-time offenses and a requirement that you file an SR-22.
Yes, $30,000 per person in personal injury protection (PIP) is mandatory in North Dakota. Because it’s a no-fault state, North Dakota drivers must meet this minimum requirement.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
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