Best Cheap Car Insurance in North Dakota (2025)
Cheapest car insurance in North Dakota
Cheap full-coverage car insurance in North Dakota: State Farm
USAA’s average full-coverage insurance rate of $1,168 a year is even lower, but only members of the military and their families can buy from USAA.
Cheapest full-coverage insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,333 |  |
 | Progressive | $1,564 |  |
 | Geico | $1,710 |  |
 | Auto-Owners | $1,829 |  |
 | Nodak | $2,170 |  |
 | American Family | $2,182 | |
 | Allstate | $2,310 |  |
 | Farmers | $2,804 | |
 | USAA* | $1,168 | |
North Dakota’s cheapest liability-only insurance: State Farm
Progressive offers more optional coverages than State Farm or Auto-Owners. That, combined with its many discounts, could make Progressive your best option for liability coverage in North Dakota.
Cheapest companies for liability car insurance
| Company | Annual rate |
|---|---|
| State Farm | $371 |
| Auto-Owners | $391 |
| Progressive | $413 |
| Geico | $459 |
| Nodak | $486 |
| American Family | $777 |
| Allstate | $1,013 |
| Farmers | $1,059 |
| USAA* | $290 |
Best cheap insurance for young drivers in North Dakota: Nodak
State Farm has the cheapest car insurance for young drivers who buy full coverage, with rates averaging $3,732 a year.
Average auto insurance rates for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Nodak | $1,087 | $4,438 |
| Auto-Owners | $1,226 | $4,539 |
| State Farm | $1,264 | $3,732 |
| Geico | $1,405 | $4,689 |
| American Family | $1,543 | $4,297 |
| Progressive | $1,982 | $6,760 |
| Allstate | $3,617 | $9,579 |
| Farmers | $4,151 | $9,447 |
| USAA* | $670 | $2,497 |
To save money as a young or teen driver in North Dakota, compare car insurance quotes from several companies before you buy or renew a policy.
Cheap insurance quotes after a speeding ticket in North Dakota: State Farm
Geico, the second-cheapest company after a ticket, has an average rate of $1,710 a year, but it also offers more discounts than State Farm. Compare quotes from both companies before you renew or buy, as Geico’s discounts could make it the cheapest for you.
A speeding ticket causes your car insurance to go up by 18% in North Dakota.
Best car insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,411 |
| Geico | $1,710 |
| Auto-Owners | $1,829 |
| Progressive | $2,129 |
| Nodak | $2,467 |
| Allstate | $2,590 |
| American Family | $2,856 |
| Farmers | $3,782 |
| USAA* | $1,402 |
North Dakota’s cheapest auto insurance after an accident: State Farm
On average, North Dakota drivers see their full-coverage car insurance rates increase 42% after an accident. If you have a policy from State Farm, though, you should only see your rates go up by about 13% after an accident.
Best car insurance rates with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,503 |
| American Family | $2,182 |
| Auto-Owners | $2,212 |
| Progressive | $2,529 |
| Allstate | $3,160 |
| Geico | $3,593 |
| Nodak | $3,641 |
| Farmers | $3,787 |
| USAA* | $1,633 |
Best insurance for North Dakota teens with a bad driving record: Auto-Owners and State Farm
Both companies offer car insurance discounts aimed at students. With Auto-Owners, you could save up to 20% if you have a “B” or better grade-point average.
For cheap teen car insurance with an accident on your record in North Dakota, get a quote from State Farm. State Farm charges these drivers $1,515 a year for liability coverage. That’s the state’s lowest rate outside of USAA, which is only for those with military ties.
Cheapest insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $1,226 | $1,685 |
| Nodak | $1,235 | $1,822 |
| State Farm | $1,378 | $1,515 |
| Geico | $1,405 | $2,249 |
| American Family | $1,870 | $1,543 |
| Progressive | $2,154 | $2,332 |
| Allstate | $4,267 | $5,214 |
| Farmers | $5,329 | $5,165 |
| USAA* | $912 | $1,121 |
Cheapest car insurance companies after a DUI in North Dakota: Progressive
A DUI (driving under the influence) conviction causes your car insurance to go up 73% in North Dakota, on average.
Cheap car insurance quotes with a DUI
| Company | Annual rate |
|---|---|
| Progressive | $1,898 |
| State Farm | $2,771 |
| American Family | $2,856 |
| Nodak | $3,057 |
| Auto-Owners | $3,089 |
| Farmers | $3,712 |
| Allstate | $4,128 |
| Geico | $5,723 |
| USAA* | $2,292 |
Cheap North Dakota car insurance for bad credit: Geico
If you want cheap car insurance with poor credit, get quotes from other companies and see if they’ll offer a better rate. Not all companies look at your credit history in the same way, and some won’t use your poor credit against you at all.
Cheapest car insurance with poor credit
| Company | Annual rate |
|---|---|
| Geico | $2,447 |
| Progressive | $2,607 |
| American Family | $3,377 |
| Nodak | $3,463 |
| Allstate | $3,547 |
| Farmers | $4,463 |
| Auto-Owners | $5,418 |
| State Farm | $5,617 |
| USAA* | $1,990 |
Best car insurance companies in North Dakota
Auto-Owners and State Farm have the best customer service and satisfaction ratings of North Dakota’s car insurance companies. They also have the best financial strength rating possible from AM Best.
North Dakota car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Auto-Owners | 654 | A++ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Nodak | Not rated | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
North Dakota insurance rates by city
Selfridge drivers pay the state’s highest car insurance rates at $2,106 a year.
Drivers in Bismarck pay around $1,788 a year for car insurance. The average cost in Grand Forks is $1,640 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abercrombie | $1,761 | -6% |
| Absaraka | $1,760 | -7% |
| Adams | $1,874 | 0% |
| Agate | $1,874 | 0% |
| Alamo | $1,984 | 5% |
| Alexander | $1,955 | 4% |
| Almont | $2,064 | 10% |
| Alsen | $1,842 | -2% |
| Ambrose | $1,984 | 5% |
| Amenia | $1,735 | -8% |
| Amidon | $1,986 | 6% |
| Anamoose | $1,960 | 4% |
| Aneta | $1,849 | -2% |
| Antler | $1,958 | 4% |
| Argusville | $1,710 | -9% |
| Arnegard | $1,965 | 4% |
| Arthur | $1,715 | -9% |
| Arvilla | $1,747 | -7% |
| Ashley | $1,853 | -2% |
| Ayr | $1,737 | -8% |
| Baldwin | $1,901 | 1% |
| Balfour | $1,980 | 5% |
| Balta | $1,937 | 3% |
| Bantry | $1,963 | 4% |
| Barney | $1,766 | -6% |
| Bathgate | $1,851 | -2% |
| Beach | $1,951 | 4% |
| Belcourt | $1,898 | 1% |
| Belfield | $1,937 | 3% |
| Benedict | $1,937 | 3% |
| Berlin | $1,867 | -1% |
| Berthold | $2,035 | 8% |
| Beulah | $1,922 | 2% |
| Binford | $1,810 | -4% |
| Bisbee | $1,867 | -1% |
| Bismarck | $1,788 | -5% |
| Blanchard | $1,778 | -6% |
| Bottineau | $1,894 | 1% |
| Bowbells | $2,027 | 8% |
| Bowdon | $1,924 | 2% |
| Bowman | $1,961 | 4% |
| Braddock | $1,968 | 5% |
| Brocket | $1,871 | -1% |
| Buchanan | $1,778 | -6% |
| Buffalo | $1,771 | -6% |
| Burlington | $1,894 | 1% |
| Butte | $1,966 | 4% |
| Buxton | $1,766 | -6% |
| Caledonia | $1,774 | -6% |
| Calvin | $1,842 | -2% |
| Cando | $1,874 | 0% |
| Cannon Ball | $2,106 | 12% |
| Carpio | $2,035 | 8% |
| Carrington | $1,887 | 0% |
| Carson | $2,077 | 10% |
| Cartwright | $1,971 | 5% |
| Casselton | $1,728 | -8% |
| Cathay | $1,903 | 1% |
| Cavalier | $1,827 | -3% |
| Cayuga | $1,774 | -6% |
| Center | $1,986 | 6% |
| Chaseley | $1,901 | 1% |
| Christine | $1,736 | -8% |
| Churchs Ferry | $1,862 | -1% |
| Cleveland | $1,772 | -6% |
| Clifford | $1,794 | -5% |
| Cogswell | $1,775 | -6% |
| Coleharbor | $1,949 | 4% |
| Colfax | $1,751 | -7% |
| Columbus | $2,011 | 7% |
| Cooperstown | $1,811 | -4% |
| Courtenay | $1,779 | -6% |
| Crary | $1,838 | -2% |
| Crosby | $2,000 | 6% |
| Crystal | $1,838 | -2% |
| Cummings | $1,782 | -5% |
| Dahlen | $1,870 | -1% |
| Davenport | $1,735 | -8% |
| Dawson | $1,907 | 1% |
| Dazey | $1,796 | -5% |
| Deering | $1,948 | 3% |
| Denhoff | $1,959 | 4% |
| Des Lacs | $1,979 | 5% |
| Devils Lake | $1,816 | -4% |
| Dickey | $1,860 | -1% |
| Dickinson | $1,812 | -4% |
| Dodge | $1,953 | 4% |
| Donnybrook | $2,016 | 7% |
| Douglas | $1,974 | 5% |
| Drake | $1,999 | 6% |
| Drayton | $1,840 | -2% |
| Driscoll | $1,888 | 0% |
| Dunn Center | $1,987 | 6% |
| Dunseith | $1,906 | 1% |
| Edgeley | $1,865 | -1% |
| Edinburg | $1,852 | -2% |
| Edmore | $1,855 | -1% |
| Egeland | $1,877 | 0% |
| Elgin | $2,070 | 10% |
| Ellendale | $1,848 | -2% |
| Emerado | $1,692 | -10% |
| Enderlin | $1,774 | -6% |
| Epping | $1,966 | 4% |
| Erie | $1,737 | -8% |
| Esmond | $1,943 | 3% |
| Fairdale | $1,870 | -1% |
| Fairfield | $1,964 | 4% |
| Fairmount | $1,751 | -7% |
| Fargo | $1,608 | -15% |
| Fessenden | $1,913 | 2% |
| Fingal | $1,775 | -6% |
| Finley | $1,792 | -5% |
| Flasher | $2,036 | 8% |
| Flaxton | $2,007 | 7% |
| Forbes | $1,833 | -3% |
| Fordville | $1,853 | -2% |
| Forest River | $1,863 | -1% |
| Forman | $1,787 | -5% |
| Fort Ransom | $1,782 | -5% |
| Fort Totten | $1,892 | 0% |
| Fort Yates | $2,092 | 11% |
| Fortuna | $1,984 | 5% |
| Fredonia | $1,835 | -3% |
| Fullerton | $1,837 | -2% |
| Gackle | $1,843 | -2% |
| Galesburg | $1,773 | -6% |
| Gardner | $1,721 | -9% |
| Garrison | $1,979 | 5% |
| Gilby | $1,775 | -6% |
| Gladstone | $1,952 | 4% |
| Glasston | $1,852 | -2% |
| Glen Ullin | $1,974 | 5% |
| Glenburn | $1,995 | 6% |
| Glenfield | $1,880 | 0% |
| Golden Valley | $1,952 | 4% |
| Golva | $1,950 | 4% |
| Goodrich | $1,961 | 4% |
| Grace City | $1,905 | 1% |
| Grafton | $1,842 | -2% |
| Grand Forks | $1,640 | -13% |
| Grand Forks AFB | $1,652 | -12% |
| Grandin | $1,747 | -7% |
| Granville | $1,989 | 6% |
| Grassy Butte | $1,996 | 6% |
| Grenora | $1,974 | 5% |
| Gwinner | $1,773 | -6% |
| Hague | $1,934 | 3% |
| Halliday | $1,995 | 6% |
| Hamilton | $1,845 | -2% |
| Hampden | $1,858 | -1% |
| Hankinson | $1,757 | -7% |
| Hannaford | $1,811 | -4% |
| Hannah | $1,824 | -3% |
| Hansboro | $1,879 | 0% |
| Harvey | $1,944 | 3% |
| Harwood | $1,693 | -10% |
| Hatton | $1,782 | -5% |
| Havana | $1,782 | -5% |
| Hazelton | $1,942 | 3% |
| Hazen | $1,926 | 2% |
| Hebron | $1,986 | 6% |
| Hensel | $1,847 | -2% |
| Hettinger | $2,013 | 7% |
| Hillsboro | $1,771 | -6% |
| Hoople | $1,857 | -1% |
| Hope | $1,785 | -5% |
| Horace | $1,639 | -13% |
| Hunter | $1,706 | -9% |
| Hurdsfield | $1,909 | 1% |
| Inkster | $1,794 | -5% |
| Jamestown | $1,670 | -11% |
| Jessie | $1,806 | -4% |
| Jud | $1,836 | -3% |
| Karlsruhe | $1,977 | 5% |
| Kathryn | $1,784 | -5% |
| Keene | $1,981 | 5% |
| Kenmare | $2,045 | 9% |
| Kensal | $1,789 | -5% |
| Killdeer | $2,000 | 6% |
| Kindred | $1,743 | -7% |
| Kintyre | $1,965 | 4% |
| Knox | $1,945 | 3% |
| Kramer | $1,950 | 4% |
| Kulm | $1,841 | -2% |
| LaMoure | $1,856 | -1% |
| Lakota | $1,902 | 1% |
| Langdon | $1,828 | -3% |
| Lankin | $1,871 | -1% |
| Lansford | $1,958 | 4% |
| Larimore | $1,797 | -5% |
| Lawton | $1,858 | -1% |
| Leeds | $1,882 | 0% |
| Lefor | $1,965 | 4% |
| Lehr | $1,814 | -4% |
| Leonard | $1,746 | -7% |
| Lidgerwood | $1,767 | -6% |
| Lignite | $2,008 | 7% |
| Lincoln | $1,838 | -2% |
| Linton | $1,957 | 4% |
| Lisbon | $1,794 | -5% |
| Litchville | $1,819 | -3% |
| Luverne | $1,786 | -5% |
| Maddock | $1,927 | 2% |
| Maida | $1,847 | -2% |
| Makoti | $2,028 | 8% |
| Mandan | $1,866 | -1% |
| Mandaree | $1,991 | 6% |
| Manning | $1,994 | 6% |
| Mantador | $1,762 | -6% |
| Manvel | $1,718 | -9% |
| Mapleton | $1,711 | -9% |
| Marion | $1,837 | -2% |
| Marmarth | $2,018 | 7% |
| Marshall | $1,959 | 4% |
| Martin | $1,957 | 4% |
| Max | $1,968 | 5% |
| Maxbass | $1,989 | 6% |
| Mayville | $1,767 | -6% |
| McClusky | $1,968 | 5% |
| McHenry | $1,882 | 0% |
| McVille | $1,897 | 1% |
| Mcgregor | $1,990 | 6% |
| Mcleod | $1,765 | -6% |
| Medina | $1,791 | -5% |
| Medora | $1,931 | 3% |
| Mekinock | $1,679 | -11% |
| Menoken | $1,872 | -1% |
| Mercer | $1,955 | 4% |
| Michigan | $1,885 | 0% |
| Milnor | $1,781 | -5% |
| Milton | $1,845 | -2% |
| Minnewaukan | $1,865 | -1% |
| Minot | $1,840 | -2% |
| Minot AFB | $1,834 | -3% |
| Minto | $1,850 | -2% |
| Moffit | $1,879 | 0% |
| Mohall | $2,033 | 8% |
| Montpelier | $1,790 | -5% |
| Mooreton | $1,764 | -6% |
| Mott | $2,036 | 8% |
| Mountain | $1,845 | -2% |
| Munich | $1,846 | -2% |
| Mylo | $1,899 | 1% |
| Napoleon | $1,856 | -1% |
| Neche | $1,854 | -2% |
| Nekoma | $1,845 | -2% |
| New England | $1,977 | 5% |
| New Leipzig | $2,028 | 8% |
| New Rockford | $1,911 | 2% |
| New Salem | $1,975 | 5% |
| New Town | $1,996 | 6% |
| Newburg | $1,970 | 5% |
| Niagara | $1,818 | -3% |
| Nome | $1,778 | -6% |
| Noonan | $1,988 | 6% |
| Northwood | $1,814 | -4% |
| Norwich | $1,949 | 4% |
| Oakes | $1,837 | -2% |
| Oberon | $1,893 | 1% |
| Oriska | $1,785 | -5% |
| Osnabrock | $1,838 | -2% |
| Page | $1,783 | -5% |
| Palermo | $2,027 | 8% |
| Park River | $1,839 | -2% |
| Parshall | $1,995 | 6% |
| Pekin | $1,888 | 0% |
| Pembina | $1,857 | -1% |
| Penn | $1,849 | -2% |
| Perth | $1,898 | 1% |
| Petersburg | $1,903 | 1% |
| Pettibone | $1,882 | 0% |
| Pillsbury | $1,792 | -5% |
| Pingree | $1,774 | -6% |
| Pisek | $1,852 | -2% |
| Plaza | $2,025 | 8% |
| Portal | $2,007 | 7% |
| Portland | $1,799 | -4% |
| Powers Lake | $1,995 | 6% |
| Raleigh | $2,051 | 9% |
| Ray | $1,969 | 5% |
| Reeder | $2,022 | 7% |
| Regan | $1,917 | 2% |
| Regent | $2,030 | 8% |
| Reynolds | $1,746 | -7% |
| Rhame | $1,971 | 5% |
| Richardton | $1,958 | 4% |
| Riverdale | $1,944 | 3% |
| Robinson | $1,915 | 2% |
| Rocklake | $1,877 | 0% |
| Rogers | $1,770 | -6% |
| Rolette | $1,905 | 1% |
| Rolla | $1,892 | 1% |
| Roseglen | $1,990 | 6% |
| Ross | $2,003 | 6% |
| Rugby | $1,948 | 3% |
| Ruso | $1,989 | 6% |
| Rutland | $1,768 | -6% |
| Ryder | $2,017 | 7% |
| Sanborn | $1,791 | -5% |
| Sarles | $1,864 | -1% |
| Sawyer | $1,955 | 4% |
| Scranton | $1,989 | 6% |
| Selfridge | $2,106 | 12% |
| Sentinel Butte | $1,963 | 4% |
| Sharon | $1,780 | -5% |
| Sheldon | $1,774 | -6% |
| Shell Valley | $1,899 | 1% |
| Sherwood | $2,062 | 10% |
| Sheyenne | $1,882 | 0% |
| Shields | $2,068 | 10% |
| Solen | $2,074 | 10% |
| Souris | $1,922 | 2% |
| South Heart | $1,951 | 4% |
| Spiritwood | $1,792 | -5% |
| St. Anthony | $2,060 | 9% |
| St. John | $1,901 | 1% |
| St. Michael | $1,883 | 0% |
| St. Thomas | $1,842 | -2% |
| Stanley | $2,009 | 7% |
| Stanton | $1,956 | 4% |
| Starkweather | $1,848 | -2% |
| Steele | $1,913 | 2% |
| Sterling | $1,905 | 1% |
| Stirum | $1,782 | -5% |
| Strasburg | $1,949 | 4% |
| Streeter | $1,789 | -5% |
| Surrey | $1,859 | -1% |
| Sutton | $1,808 | -4% |
| Sykeston | $1,918 | 2% |
| Tappen | $1,888 | 0% |
| Taylor | $1,953 | 4% |
| Thompson | $1,736 | -8% |
| Tioga | $1,971 | 5% |
| Tokio | $1,908 | 1% |
| Tolley | $2,022 | 7% |
| Tolna | $1,916 | 2% |
| Tower City | $1,775 | -6% |
| Towner | $1,988 | 6% |
| Trenton | $1,881 | 0% |
| Turtle Lake | $1,973 | 5% |
| Tuttle | $1,916 | 2% |
| Underwood | $1,942 | 3% |
| Upham | $1,979 | 5% |
| Valley City | $1,750 | -7% |
| Velva | $1,953 | 4% |
| Verona | $1,837 | -2% |
| Voltaire | $1,992 | 6% |
| Wahpeton | $1,732 | -8% |
| Walcott | $1,752 | -7% |
| Wales | $1,843 | -2% |
| Walhalla | $1,855 | -1% |
| Warwick | $1,904 | 1% |
| Washburn | $1,949 | 4% |
| Watford City | $1,955 | 4% |
| Webster | $1,850 | -2% |
| West Fargo | $1,612 | -14% |
| Westhope | $1,955 | 4% |
| Wheatland | $1,753 | -7% |
| White Earth | $1,998 | 6% |
| Wildrose | $1,997 | 6% |
| Williston | $1,847 | -2% |
| Willow City | $1,900 | 1% |
| Wilton | $1,957 | 4% |
| Wimbledon | $1,778 | -6% |
| Wing | $1,906 | 1% |
| Wishek | $1,851 | -2% |
| Wolford | $1,943 | 3% |
| Woodworth | $1,771 | -6% |
| Wyndmere | $1,754 | -7% |
| York | $1,951 | 4% |
| Ypsilanti | $1,787 | -5% |
| Zahl | $1,962 | 4% |
| Zap | $1,960 | 4% |
| Zeeland | $1,834 | -3% |
Minimum coverage for car insurance in North Dakota
North Dakota auto insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability | $25,000 per person$50,000 per accident |
| Property damage liability | $25,000 |
| Uninsured motorist | $25,000 per person$50,000 per accident |
| Underinsured motorist | Equal to uninsured motorist coverage amount |
| Basic no-fault | $30,000 per person |
North Dakota Automobile Insurance Plan
If you can’t get car insurance in North Dakota because of a bad driving record or some other reason, you should be able to get it through the North Dakota Automobile Insurance Plan (NDAIP).
To buy car insurance through the NDAIP, you need to:
- Be a North Dakota resident
- Own a vehicle registered with the state
- Have a current driver’s license
- Not have missed any car insurance payments in the last 12 months
Car insurance bought from the NDAIP costs more than coverage from a regular insurance company.
Frequently asked questions
The average cost of car insurance in North Dakota is $584 a year for liability-only coverage.
For full-coverage car insurance, the average cost in North Dakota is $1,897 a year.
State Farm has the cheapest liability car insurance in North Dakota, with rates that average $371 a year.
State Farm is the cheapest company for full-coverage car insurance, too, at $1,333 a year.
Yes, North Dakota state law requires all drivers to buy at least a minimum amount of liability, uninsured and underinsured motorist, and basic no-fault car insurance for their vehicles.