Best Cheap Auto Insurance Quotes in North Dakota 2026
State Farm has the cheapest car insurance in North Dakota for most people. Full coverage from State Farm costs $124 per month — $56 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in North Dakota
Best cheap car insurance companies in North Dakota
Best and cheapest car insurance in North Dakota
- Cheapest full coverage: State Farm, $124/mo
- Cheapest minimum liability: North Star Mutual, $31/mo
- Cheapest for young drivers: North Star Mutual, $44/mo
- Cheapest after a ticket: State Farm, $131/mo
- Cheapest after an accident: State Farm, $139/mo
- Cheapest for teens after a ticket: North Star Mutual, $51/mo
- Cheapest after a DUI: Progressive, $215/mo
- Cheapest for poor credit: Geico, $231/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and North Star Mutual are the best car insurance companies in North Dakota for most people. Both companies have affordable rates and reliable customer service.
State Farm offers online quotes, so you can quickly compare rates and find the best policy for you. To get a quote from North Star Mutual, you'll need to speak with a local insurance agent.
Cheapest auto insurance in North Dakota: State Farm
State Farm and USAA have the most affordable full coverage auto insurance quotes in North Dakota.
Find Cheap Auto Insurance Quotes in North Dakota
- State Farm has the cheapest rates for most North Dakota drivers at $124 per month for full coverage. That's 31% cheaper than the statewide average.
- USAA has the cheapest full coverage quotes overall at just $109 per month. That's $15 per month cheaper than State Farm. However, only military members, veterans and some of their family members can get car insurance from USAA.
Cheapest North Dakota car insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| State Farm | $124 |
| North Star Mutual | $156 |
| Geico | $161 |
| Auto-Owners | $168 |
| Progressive | $178 |
*USAA is only available to current and former military members and their families.
Data-powered research on North Dakota car insurance
| Data-powered research on North Dakota car insurance |
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Cheapest minimum coverage insurance in North Dakota: North Star Mutual
North Star Mutual has the cheapest minimum coverage insurance in North Dakota.
At $31 per month, a policy from North Star Mutual is $16 per month cheaper than the state average. However, North Star Mutual doesn't offer online quotes, so you have to contact an agent to buy a policy.
State Farm is the best choice for North Dakota drivers looking to get a quote online. At $35 per month, State Farm is only a few dollars more than North Star Mutual. State Farm's highly rated app also makes it easy to manage your policy or file a claim online.
Cheapest North Dakota auto insurance quotes for minimum coverage
Company | Monthly rate |
|---|---|
| North Star Mutual | $31 |
| Auto-Owners | $34 |
| State Farm | $35 |
| Geico | $38 |
| Progressive | $40 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in North Dakota
Cheapest auto insurance in North Dakota for teens: North Star Mutual
North Star Mutual has the cheapest car insurance rates for young drivers in North Dakota.
Minimum coverage from North Star Mutual costs $44 per month for an 18-year-old driver in North Dakota. That's $110 per month cheaper than the statewide average.
North Star Mutual also has the cheapest full coverage quotes for North Dakota teens. At $206 per month, full coverage from North Star Mutual is less than half the North Dakota average of $518 per month.
Best auto insurance in North Dakota for teens
Company | Liability only | Full coverage |
|---|---|---|
| North Star Mutual | $44 | $206 |
| Nodak | $94 | $473 |
| Auto-Owners | $104 | $392 |
| Geico | $117 | $443 |
| State Farm | $118 | $341 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver in North Dakota can expect to pay around three times more for car insurance than older drivers. That's because young drivers lack experience behind the wheel, so they're more likely to cause an accident.
The best way for teens to get cheap quotes in North Dakota is by sharing a policy with their parents.
Cheap North Dakota auto insurance after a speeding ticket: State Farm
State Farm has the cheapest rates in North Dakota for drivers with a speeding ticket. At $131 per month, full coverage from State Farm is $90 per month less expensive than the North Dakota average.
Affordable North Dakota car insurance companies after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $131 |
| Auto-Owners | $168 |
| North Star Mutual | $196 |
| Allstate | $230 |
| Geico | $237 |
*USAA is only available to current and former military members and their families.
A single speeding ticket will raise your insurance rates by around 22% in North Dakota. That's an average increase of $40 per month for full coverage.
Cheapest car insurance in North Dakota after an accident: State Farm
State Farm has the cheapest quotes for North Dakota drivers with an accident on their records. Full coverage from State Farm costs $139 per month after an accident, which is nearly half the average price in North Dakota after a crash.
Cheap North Dakota car insurance quotes after a crash
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Auto-Owners | $202 |
| North Star Mutual | $267 |
| Allstate | $281 |
| Progressive | $286 |
*USAA is only available to current and former military members and their families.
Drivers in North Dakota can expect their rates to go up by around 51% after an at-fault accident.
Don't rush to get a new policy right after an accident.
Your insurance company typically won't raise your rates until your policy renews. So, you should wait until it's about to expire before switching insurance companies.
Cheapest rates in North Dakota for teens after a ticket or an accident: North Star Mutual
North Star Mutual has the most affordable quotes for young drivers with a recent speeding ticket. Minimum coverage from North Star Mutual costs $51 per month for an 18-year-old with one speeding ticket. That's $131 per month less than the state average.
North Star Mutual also has the cheapest rates for young drivers after an accident. It charges $69 per month for a teen with an at-fault accident. That's $144 per month less than most teens in North Dakota pay after a crash.
Minimum coverage rates for North Dakota teens with a ticket or an accident
Company | Ticket | Accident |
|---|---|---|
| North Star Mutual | $51 | $69 |
| Auto-Owners | $104 | $143 |
| Nodak | $107 | $157 |
| State Farm | $129 | $141 |
| Geico | $131 | $187 |
*USAA is only available to current and former military members and their families.
North Dakota auto insurance rates for teens go up by 18% after one speeding ticket and 38% after an at-fault accident.
Cheap auto insurance in North Dakota after a DUI: Progressive
Progressive has the cheapest rates after a DUI in North Dakota. Full coverage from Progressive costs $215 per month after a DUI, which is $121 per month cheaper than the statewide average. It's also $36 per month less than the second-cheapest company, State Farm.
Best North Dakota car insurance rates after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $215 |
| State Farm | $251 |
| Auto-Owners | $280 |
| Nodak | $329 |
| Allstate | $370 |
*USAA is only available to current and former military members and their families.
North Dakota car insurance rates go up by around 87% after a DUI. That's an average increase of $156 per month for a full coverage policy.
In addition, you may have to get SR-22 insurance after a DUI in North Dakota. An SR-22 filing typically costs between $15 and $50, on top of any increase to your insurance rates.
Cheapest quotes in North Dakota for drivers with poor credit: Geico
Geico has the best rates for drivers with poor credit in North Dakota at $231 per month for full coverage. That's $129 per month cheaper than the North Dakota average.
Affordable auto insurance rates in North Dakota with poor credit
Company | Monthly rate |
|---|---|
| Geico | $231 |
| North Star Mutual | $259 |
| Progressive | $299 |
| Allstate | $315 |
| Nodak | $371 |
*USAA is only available to current and former military members and their families.
In North Dakota, drivers with poor credit scores pay twice as much for full coverage insurance as those with good credit. That's because insurance companies believe drivers with bad credit scores are more likely to file a claim in the future. That makes them more expensive to insure.
You can save money by bundling your home insurance or renters insurance.
Best car insurance in North Dakota
USAA is the best auto insurance company in North Dakota based on its outstanding customer service and cheap rates.
However, USAA is only available to military members, veterans and their families.
State Farm is the best choice for North Dakota drivers who can't get USAA insurance. State Farm offers an excellent mix of affordable rates, dependable service and useful coverage options.
Best North Dakota car insurance
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| North Star Mutual | NR | A+ | |
| Auto-Owners | 638 | A+ | |
| Farmers | 622 | A |
Average cost of car insurance in North Dakota by city
West Fargo, a suburb of the state's largest city, has the cheapest car insurance quotes in North Dakota.
People living in West Fargo pay an average of $151 per month for full coverage insurance.
Drivers in Selfridge, a small town south of Bismarck, have the highest rates at $202 per month.
North Dakota full coverage car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Abercrombie | $164 | -9% |
| Absaraka | $164 | -9% |
| Adams | $177 | -1% |
| Agate | $178 | -1% |
| Alamo | $188 | 5% |
Full coverage car insurance quotes in North Dakota vary by up to $51 per month between cities. Typically, rates are more expensive for people who live in big cities with more traffic and higher crime rates. But, that's not the case in North Dakota.
The five most expensive cities in North Dakota are small towns south of Bismarck.
What are the minimum car insurance requirements in North Dakota?
Drivers in North Dakota must have a minimum amount of liability coverage, often written as 25/50/25. You must also have uninsured and underinsured motorist coverage, along with personal injury protection (PIP).
- Bodily injury liability $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury : $25,000 per person and $50,000 per accident
- Personal injury protection (PIP): $30,000 per accident
You'll need to show proof of insurance if you get pulled over in North Dakota. The most common form of proof is your insurance ID card. But if you forget to put it in your glove compartment, North Dakota law allows you to show electronic proof of insurance on your phone.
What's the best car insurance coverage for North Dakota drivers?
Most North Dakota drivers should get full coverage insurance to protect them after a major accident. Full coverage is typically the best choice because it includes comprehensive and collision coverage.
- Collision coverage pays to fix your car after hitting another vehicle or structure, like a building, even if the crash was your fault.
- Comprehensive coverage protects your car against damage caused by things outside of your control, like theft and extreme weather.
These coverages are usually required if you have a car loan or lease. You should also consider collision and comprehensive insurance if your car is newer than eight years old or worth more than $5,000.
Full coverage can also include higher liability limits than the state requires. That can be helpful if you cause a serious accident with major damage or injuries.
For example, if you hit and total a brand new or expensive car, it's unlikely that $25,000 of property damage liability coverage will be enough to fully replace it. If you have the state minimum coverage, you'll have to pay the difference.
Frequently asked questions
What is the cheapest car insurance in North Dakota?
In 2026, State Farm has the cheapest full coverage car insurance in North Dakota at $124 per month. That's $56 per month cheaper than the North Dakota average.
North Star Mutual has the cheapest minimum coverage rates, at $31 per month.
How much is car insurance in North Dakota?
The average cost of car insurance in North Dakota is $180 per month for full coverage and $47 per month for minimum coverage.
How much is car insurance in Fargo, ND?
Full coverage auto insurance in Fargo costs $154 per month on average. That's 14% cheaper than the North Dakota average. In comparison, full coverage car insurance quotes in Bismarck average $173 per month.
I can't find a company that will sell me insurance in North Dakota, what do I do?
If you've been turned down by multiple car insurance companies, you can get insurance through the North Dakota Automobile Insurance Plan. It was designed to offer insurance to high-risk drivers who can't find coverage elsewhere, also called an "insurer of last resort."
However, it's typically more expensive than regular car insurance, so you shouldn't buy a policy from the North Dakota Automobile Insurance Plan unless you've exhausted all of your other options.
Methodology
To find the best cheap car insurance in North Dakota, ValuePenguin collected thousands of rates from ZIP codes across North Dakota from the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit driving a 2018 Honda Civic EX.
Rates are for a full coverage policy with comprehensive and collision coverage along with higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $30,000
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
