Cheapest Car Insurance In North Dakota (2024)
The cheapest car insurance in North Dakota comes from USAA at $22 per month on average.
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Given that car insurance costs are increasing, it would be beneficial for drivers in North Dakota to compare different policies and select the one that offers the most affordable coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, satisfaction of customers, coverage options, and average premiums of each provider.
In this article, we will discuss effective methods for getting cheaper coverage and show you where to find the most affordable car insurance in North Dakota tailored to your driving profile.
Key Points
- USAA is the cheapest car insurance company in North Dakota overall, with an average rate of $22 per month for minimum coverage and $113 per month for full coverage.
- North Star Mutual and Nodak also offer affordable car insurance rates for many driver profiles.
- If you are under 25 or have been cited for any traffic violations, you can expect to pay more for car insurance compared to average rates.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Car insurance companies have different ways of evaluating driver profiles, so the company that is the cheapest for one driver may not be the cheapest for you. For instance, here is a summary of the most affordable car insurance providers and their rates for different types of drivers in North Dakota.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | $22 | $261 |
| Full coverage | USAA | $113 | $1,350 |
| 16-year-olds | North Star Mutual | $58 | $697 |
| 45-year-olds | USAA | $17 | $200 |
| High-risk drivers | USAA | $37 | $443 |
| After a speeding ticket | USAA | $26 | $312 |
| After an accident | USAA | $31 | $377 |
| After a DUI | State Farm | $38 | $460 |
| Poor credit drivers | North Star Mutual | $23 | $277 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In North Dakota?
In general, we discovered that USAA provides the least expensive car insurance in North Dakota for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in North Dakota.
The rates apply to drivers from North Dakota who are of different ages, live in different places, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In North Dakota: USAA
Drivers looking for the most affordable coverage that just meets North Dakota state minimum requirements may find it at USAA for about $22 per month or $261 per year on average.
| Cheapest Car Insurance in North Dakota | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $22 | $261 |
| North Star Mutual | $23 | $277 |
| Nodak | $33 | $392 |
| Auto-Owners | $34 | $408 |
| Progressive | $37 | $440 |
| State Farm | $39 | $469 |
| American Family | $40 | $479 |
| Grinnell Mutual | $44 | $528 |
| Farmers | $72 | $864 |
| Allstate | $73 | $876 |
Cheapest Full Coverage In North Dakota: USAA
If you want better coverage at the best price, USAA is the best choice. The provider offers full-coverage insurance for an average of $113 per month.
Full-coverage insurance policies in North Dakota generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in North Dakota | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $113 | $1,350 |
| American Family | $126 | $1,512 |
| North Star Mutual | $154 | $1,852 |
| Progressive | $164 | $1,966 |
| Nodak | $200 | $2,395 |
| Auto-Owners | $206 | $2,470 |
| State Farm | $212 | $2,540 |
| Farmers | $240 | $2,885 |
| Allstate | $245 | $2,934 |
| Grinnell Mutual | $281 | $3,378 |
Cheapest Car Insurance In North Dakota: Age
Below, you’ll find average insurance costs for North Dakota drivers ages 16 to 55 as well as the top five cheapest car insurance companies for each age group. Drivers who are between the ages of 30 and 55 usually receive the most affordable car insurance rates. This is because they have more road experience and are less likely to get into accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $218 | $833 |
| 25 | $44 | $209 |
| 35 | $39 | $179 |
| 45 | $38 | $167 |
| 55 | $36 | $153 |
Cheapest North Dakota Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. This is mainly because these drivers don’t have as much practice driving and are more likely to ignore traffic rules and have car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest North Dakota Car Insurance For 16-Year-Olds: North Star Mutual
If you’re a teen driver or the parent of one, North Star Mutual may be your best bet for finding the most affordable car insurance in North Dakota.
The company’s cheapest average rates for 16-year-old drivers are $58 per month or $697 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $322 per month or $3,866 per year from American Family.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $58 | $378 |
| Grinnell Mutual | $95 | $575 |
| American Family | $96 | $322 |
| Auto-Owners | $110 | $499 |
| USAA | $150 | $638 |
| State Farm | $162 | $670 |
| Nodak | $211 | $1,230 |
| Progressive | $240 | $860 |
| Farmers | $506 | $1,378 |
| Allstate | $550 | $1,780 |
Cheapest North Dakota Car Insurance For 25-Year-Olds: North Star Mutual
Car insurance costs go down a lot for young drivers in their 20s, compared to what teenagers pay. But, the prices can still be high for this age group, depending on the insurance company you pick.
North Star Mutual provides the cheapest car insurance costs on average at $23 per month or $277 per year for minimum coverage. USAA costs $130 per month or $1,558 per year for full coverage.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $23 | $154 |
| USAA | $24 | $130 |
| Nodak | $34 | $201 |
| Auto-Owners | $38 | $234 |
| Progressive | $39 | $173 |
| American Family | $43 | $131 |
| State Farm | $43 | $236 |
| Grinnell Mutual | $49 | $317 |
| Allstate | $72 | $258 |
| Farmers | $75 | $254 |
Cheapest North Dakota Car Insurance: Adult Drivers
People in their 40s usually pay the least amount of money for car insurance. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest North Dakota Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $19 per month or $233 per year. For full coverage, USAA’s rates average $95 monthly or $1,143 annually.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $19 | $95 |
| North Star Mutual | $23 | $154 |
| Auto-Owners | $30 | $178 |
| Nodak | $31 | $198 |
| Progressive | $35 | $155 |
| State Farm | $35 | $187 |
| American Family | $37 | $121 |
| Grinnell Mutual | $39 | $245 |
| Farmers | $69 | $226 |
| Allstate | $74 | $231 |
Cheapest North Dakota Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $17 per month or $200 per year. The cheapest full coverage comes from USAA at $83 per month or $994 per year.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $17 | $83 |
| North Star Mutual | $23 | $154 |
| Nodak | $28 | $159 |
| Auto-Owners | $30 | $173 |
| American Family | $33 | $110 |
| Progressive | $34 | $140 |
| State Farm | $36 | $182 |
| Grinnell Mutual | $38 | $228 |
| Farmers | $66 | $208 |
| Allstate | $74 | $231 |
Cheapest North Dakota Car Insurance For 55-Year-Olds: USAA
Typically, individuals who are in their 50s can usually find the most affordable car insurance rates in North Dakota through USAA. The insurer’s average premiums are $15 monthly or $186 annually for minimum coverage. The cheapest full coverage option is from USAA, costing $83 monthly or $994 annually
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $15 | $78 |
| North Star Mutual | $21 | $134 |
| Nodak | $28 | $159 |
| Auto-Owners | $29 | $158 |
| Progressive | $31 | $120 |
| American Family | $32 | $102 |
| Grinnell Mutual | $33 | $194 |
| State Farm | $34 | $170 |
| Farmers | $61 | $192 |
| Allstate | $77 | $222 |
Cheapest Car Insurance In North Dakota: High-Risk Drivers
Besides the kind of coverage you choose and how old your car is, how safely you drive has a major impact on the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay car insurance rates that are higher than the average. This is because they have multiple violations on their driving records. On average, North Dakota motorists who are deemed high-risk may find the most affordable rates from USAA for minimum coverage or American Family for full coverage.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $37 | $189 |
| State Farm | $40 | $214 |
| American Family | $44 | $150 |
| Grinnell Mutual | $44 | $281 |
| North Star Mutual | $45 | $312 |
| Nodak | $46 | $304 |
| Progressive | $46 | $206 |
| Auto-Owners | $56 | $284 |
| Farmers | $94 | $316 |
| Allstate | $99 | $344 |
Cheapest North Dakota Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $26 per month or $312 per year for minimum coverage and $135 per month or $1,624 per year for full coverage.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $26 | $135 |
| North Star Mutual | $26 | $179 |
| Nodak | $37 | $237 |
| State Farm | $38 | $209 |
| Progressive | $44 | $198 |
| Grinnell Mutual | $44 | $281 |
| American Family | $46 | $162 |
| Auto-Owners | $47 | $252 |
| Allstate | $80 | $272 |
| Farmers | $90 | $307 |
Cheapest North Dakota Car Insurance For Drivers With An At-Fault Accident: USAA
Getting into a car accident in North Dakota can make your auto insurance rates go up as well. USAA tends to offer the most affordable rates on average at about $31 per month or $377 per year for minimum coverage and $157 per month or $157 per year for full coverage.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $31 | $157 |
| North Star Mutual | $39 | $274 |
| American Family | $40 | $126 |
| State Farm | $42 | $222 |
| Grinnell Mutual | $44 | $281 |
| Auto-Owners | $46 | $250 |
| Progressive | $54 | $241 |
| Nodak | $55 | $362 |
| Farmers | $99 | $324 |
| Allstate | $100 | $325 |
Cheapest North Dakota Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in North Dakota from State Farm for $38 per month or $460 per year on average. They also have rates of $209 monthly or $2,510 annually for full coverage.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $38 | $209 |
| Progressive | $40 | $179 |
| Grinnell Mutual | $44 | $281 |
| American Family | $46 | $162 |
| Nodak | $46 | $312 |
| USAA | $53 | $274 |
| North Star Mutual | $68 | $483 |
| Auto-Owners | $74 | $350 |
| Farmers | $95 | $318 |
| Allstate | $116 | $435 |
Cheapest North Dakota Car Insurance For Drivers With Poor Credit: North Star Mutual
People who have bad credit have to spend more money on car insurance. Those who don’t have the best credit history may want to check out North Star Mutual, which has an average minimum-coverage rate of $38 per month or $459 per year and an average full-coverage rate of $256 per month or $3,073 per year.
| Cheapest Car Insurance in North Dakota | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $38 | $256 |
| USAA | $39 | $190 |
| Progressive | $64 | $285 |
| American Family | $70 | $192 |
| Nodak | $75 | $457 |
| Grinnell Mutual | $77 | $494 |
| Auto-Owners | $92 | $615 |
| Allstate | $105 | $375 |
| Farmers | $114 | $378 |
| State Farm | $164 | $892 |
Average Cost Of Car Insurance In 10 North Dakota Cities
Another thing that affects how much you pay for car insurance in North Dakota is the location where you reside. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger numbers of people.
- There are an increasing number of cars driving on the road.
- More frequent occurrences of car crashes
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Extreme weather conditions
Certain factors increase the chances of car owners in big cities facing higher car insurance costs for minimal coverage. This is why drivers in busy cities tend to pay the highest average price. On the other hand, drivers in rural areas with less crime and fewer people are more likely to enjoy lower rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Fargo | $43 | $146 |
| Bismarck | $41 | $169 |
| Grand Forks | $44 | $152 |
| Minot | $43 | $166 |
| Wahpeton | $38 | $157 |
| Valley City | $37 | $159 |
| Belcourt | $38 | $174 |
| Grafton | $37 | $170 |
| Dunseith | $38 | $174 |
| Hazen | $38 | $179 |
Top 5 Car Insurance Companies In North Dakota
Besides the price, we have evaluated more than 40 insurance companies to determine the top five insurers for people living in North Dakota by considering their coverage, service, and reliability. Based on our research, we found USAA to be the best provider for most drivers in North Dakota. These are our ratings for the choices we recommend.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #3 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #4 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
| #5 Auto-Owners | 4.4 | 4.5 | 4.7 | 4.6 | 4.4 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In North Dakota
In North Dakota, you have various ways to reduce the amount you pay for car insurance. These include:
- Opting for minimum coverage: If you get just the minimum coverage that your state requires, it will give you the lowest cost for car insurance.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from various companies can assist you in determining which provider is likely to offer the most favorable terms.
Many insurers offer usage-based insurance programs, which are another way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might be eligible for a significant discount. However, certain programs may increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does North Dakota Require For Car Insurance?
Drivers in North Dakota must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $30,000 personal injury protection
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In North Dakota
When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in North Dakota. While the above costs can give you an idea of what you’d pay for car insurance in North Dakota, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools on their websites where you can get price estimates. Alternatively, you can directly contact an insurance agent or representative at the company. Once you have gathered quotes from at least three car insurance providers, take some time to compare them and find the one that suits you best.
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Best Cheap Car Insurance In North Dakota: FAQ
Here are some frequently asked questions about car insurance in North Dakota:
How much is car insurance per month in North Dakota?
Is North Dakota Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.