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Among North Dakota's most affordable car insurance providers are Auto-Owners, State Farm, and USAA.
Full-coverage car insurance in North Dakota averages $114 per month, compared to the national average of $186. Your actual premium depends on multiple factors, including age, driving history, and where you live. Getting quotes from several insurance companies is the most reliable way to determine your specific rate.
We've analyzed the most economical car insurance choices in North Dakota across different coverage types, driver categories, and insurance companies.
Affordable full-coverage car insurance in North Dakota
Full-coverage insurance in North Dakota averages $114 monthly, which is below the national average of $186. Among the cheapest car insurance providers in the state, Auto-Owners, State Farm, and USAA stand out.
| Average monthly full coverage cost | |
| North Dakota average | $114 |
| National average | $186 |
| Auto-Owners | $38 |
| State Farm | $39 |
| USAA | $39 |
| American Family | $52 |
Affordable liability-only car insurance in North Dakota
For drivers seeking the most affordable liability car insurance providers in North Dakota, Direct Auto, Root, and Bristol West offer competitive pricing.
Liability-only coverage in North Dakota costs an average of $67 monthly, while the national average sits at $104.
| Average monthly liability-only cost | |
| North Dakota average | $67 |
| National average | $104 |
| Direct Auto | $69 |
| Root | $81 |
| Bristol West | $67 |
| Safeco | $79 |
Cheap car insurance in North Dakota by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates, with North Dakota policies averaging $215 monthly for full coverage because of their limited driving experience.
Rates begin declining as drivers enter their 20s, averaging $140 per month for full coverage. Drivers in their 30s and 40s see continued decreases, paying approximately $111 and $108 monthly, respectively.
Premiums can climb again for drivers in their 60s and beyond, though not always. North Dakota seniors typically pay $119 monthly for full coverage in their 60s and $144 in their 70s.
These age-related premium variations reflect different risk levels associated with each group, with younger drivers facing higher rates and older drivers sometimes encountering increased premiums because of factors such as health and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $215 | $126 |
| 20s | $140 | $82 |
| 30s | $111 | $65 |
| 40s | $108 | $63 |
| 50s | $120 | $71 |
| 60s | $119 | $70 |
| 70s | $144 | $85 |
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Cheap car insurance in North Dakota for high-risk drivers
Drivers with a bad driving record that includes moving violations or accidents face higher insurance premiums. Below are the average North Dakota costs for drivers with an accident, speeding ticket, or DUI.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $145 | $85 |
| Speeding ticket | $152 | $90 |
| DUI | $184 | $108 |
Compare low-cost car insurance after an accident
For North Dakota drivers with an accident on their record, Auto-Owners, State Farm, and USAA provide affordable options. Drivers with an accident pay an average of $145 monthly for full-coverage premiums.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $48 | $30 |
| State Farm | $50 | $32 |
| USAA | $50 | $32 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Drivers with a speeding ticket in North Dakota can find affordable coverage through Auto-Owners, State Farm, and USAA. Full coverage for those with a speeding ticket averages $152 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $50 | $32 |
| State Farm | $50 | $32 |
| USAA | $51 | $33 |
Compare low-cost car insurance after a DUI conviction
North Dakota drivers with a DUI can find budget-friendly full coverage through Auto-Owners, State Farm, and USAA. Full coverage for drivers with a DUI averages $184 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $58 | $37 |
| State Farm | $60 | $38 |
| USAA | $60 | $38 |
Cheap car insurance in North Dakota by credit score
North Dakota drivers with excellent credit pay approximately $98 monthly for full coverage. Drivers with poor credit encounter steeper premiums, with rates beginning at $144 per month.
The difference in rates demonstrates how credit scores influence insurance pricing, as poor credit often leads to elevated premiums based on the perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $98 | $58 |
| Good | $109 | $64 |
| Average | $115 | $67 |
| Poor | $144 | $85 |
FAQs
Is North Dakota a no-fault state for car insurance?
Yes, North Dakota operates under no-fault insurance laws. In a no-fault system, drivers file claims with their own insurance company to cover medical expenses after an accident regardless of fault, which is why personal injury protection coverage is required. North Dakota also follows modified comparative negligence rules, allowing you to recover damages as long as you're less than 50 percent at fault for an accident.
How can I lower my car insurance costs in North Dakota?
North Dakota drivers can reduce premiums by comparing quotes from multiple insurers annually, taking advantage of bundling discounts when combining home and auto policies, and maintaining a clean driving record free of violations for three to five years.
Many insurers also offer telematics programs that monitor your driving habits through smartphone apps and reward safe driving behavior with lower rates. Installing anti-theft devices and taking defensive driving courses can provide additional discounts while reducing your risk profile.
Why are car insurance rates different across North Dakota cities?
Insurance rates vary significantly between North Dakota cities based on local risk factors including crime rates, traffic density, and claims history. Urban areas like Fargo experience more traffic congestion and potential for accidents, but surprisingly maintain competitive rates due to broader insurer competition and lower crime compared to rural areas with limited coverage options.
Bottom line
These companies might offer the lowest rates in North Dakota overall, but they may not necessarily be the most affordable for your unique needs.
Getting quotes from several of the best car insurance companies and comparing them based on both cost and customer service is the most effective way to identify the right company for your needs.
Data throughout provided by Insurify.
Average rate:
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