The best and cheapest car insurance in North Dakota

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Auto-Owners ranks as the best car insurance company in North Dakota, earning 4.26 out of 5 stars based on our review of pricing, customer satisfaction and financial strength. With average annual premiums of $2,315, it costs $124 less than the state average.

GEICO placed second with 4.26 stars, while State Farm followed with 4.04 stars.

In North Dakota, drivers pay an average of $2,439 per year or $203 per month for coverage.

How we picked the top car insurance companies

When choosing the top car insurance companies in North Dakota, we looked beyond just the average cost of coverage. We also reviewed customer satisfaction data from J.D. Power, financial strength ratings from AM Best and complaint trends reported by the National Association of Insurance Commissioners (NAIC). If state or regional data wasn’t available, we used national averages to keep the comparisons consistent and fair for readers.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Which company offers the cheapest car insurance in North Dakota?

With an average annual rate of $1,978, GEICO is the most affordable car insurance company in North Dakota.

Other low-cost options include:

• Progressive, at $2,190 per year or $183 per month
• Auto-Owners, averaging $2,315 annually, which works out to about $193 a month

Meanwhile, Allstate ranks as the most expensive insurer in the state, with average premiums of $2,892 a year.

Keep in mind that your individual rate may vary. Insurance companies factor in your driving record, credit score, age, vehicle and ZIP code when setting premiums, so the cheapest insurer for one driver may not be the cheapest for another.

Below are the cheapest car insurance rates by company, based on a 40-year-old driving a Honda Accord LX to ensure fair comparisons. All rates reflect full coverage policies.

What is full coverage car insurance?

Full coverage car insurance is a combination of coverages that provide broader financial protection. It typically includes liability insurance (required in most states) plus collision and comprehensive coverage, which pay for damage to your own vehicle from accidents, theft, weather, vandalism and other non-collision events. While it offers more protection than minimum coverage, it also costs more and may be especially valuable if you have a newer, financed or higher-value car.

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How to find the best car insurance in North Dakota

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. That means checking:

• The same liability limits
• The same deductibles
• The same coverage types

For example, if one quote shows 25/50/25 in liability coverage and another shows 50/100/100, the lower price may simply reflect lower protection — not a better deal. Many agents recommend at least 50/100/100, and higher limits may make sense depending on your income and assets.

You can also lower your premium by:

• Maintaining a strong credit score
• Avoiding tickets and accidents
• Bundling home and auto insurance with the same carrier

Which companies have the cheapest car insurance for seniors in North Dakota?

Senior drivers in North Dakota typically pay higher car insurance premiums than most other age groups, although teens generally remain the most expensive to insure.

The cheapest car insurance companies for seniors in North Dakota include:

• Progressive: $1,865 a year ($155 a month)
• GEICO: $1,931 a year
• Nodak Insurance: $2,251 a year

Insurance companies often charge seniors more because premiums are based on broader risk trends, including claim frequency and age-related driving changes such as slower reaction times or vision shifts. Even so, many seniors can lower their costs by maintaining a clean driving record, limiting mileage and taking advantage of mature driver or safe driver discounts.

The chart below shows the average car insurance premiums for senior drivers in North Dakota.

Which companies have the cheapest car insurance for young adults in North Dakota?

While young adults pay less than teen drivers, they still pay more than older more experienced drivers. The best choice for young adults (early 20s) in North Dakota is GEICO with an annual rate of $3,190 or $266 a month.

American Family had the second cheapest premium at $3,468 a year followed by Progressive was third at $3,842.

If young drivers keep their driving record clean, their rates will drop down as they move out of their 20s.

The table below shows the best insurers for young drivers in North Dakota:

Which companies have the cheapest car insurance for teen drivers in North Dakota?

In North Dakota, GEICO offers the most affordable coverage for teen drivers, with average premiums starting at $5,370 annually or $447 per month.

Because teens have less driving experience, insurers classify them as higher-risk policyholders.

“Teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups,” says Chong Gao, director of product management R&D at Mercury Insurance. “For teenagers, the lack of driving experience is a significant factor that impacts their rates; younger drivers with little experience behind the wheel tend to pay higher insurance premiums.”

American Family follows at $5,932 per year or $494 per month, while North Star Mutual rounds out the top three at $5,936 annually.

The table below shows average teen car insurance premiums in North Dakota:

Why the cheapest company may vary by driver

An insurer with the lowest average premium may not offer you the lowest price. Car insurance rates are personalized, and companies calculate risk differently based on individual driver profiles.

Several factors can affect what you pay, including:

• Driving history
• Credit profile (where permitted)
• Age and marital status
• The type of vehicle you drive
• Your ZIP code and local claim trends

Age plays a major role in pricing. Adding a teen to a policy can significantly increase premiums because teens are the least experienced drivers and tend to have higher accident rates.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

To help offset higher premiums, parents can explore good student discounts, choose a more affordable vehicle or reconsider certain coverages if the car’s value is low.

What is the average cost of car insurance in North Dakota?

In North Dakota, drivers pay an average of $2,439 per year for car insurance.

Premiums vary widely across states since insurers consider overall risk indicators like claims activity, repair costs, regulatory requirements and accident data. Within the same state, individual quotes can also vary based on a driver’s record, age, vehicle and location.

The chart below displays the average rate in North Dakota for a 40-year-old driver with 100/300/100 coverage and a $500 collision and comprehensive deductible driving a Honda Accord LX.

Which North Dakota cities and ZIP codes are most expensive for car insurance?

Selfridge has the highest car insurance rates in North Dakota, with average annual premiums of $2,760 across its most expensive ZIP codes.

Insurance premiums vary by location because where your vehicle is parked overnight affects overall risk. Cities and ZIP codes with frequent severe weather, heavier traffic congestion or higher crime levels typically experience more accident and theft claims, which drives up costs for drivers in those areas.

Below are the most expensive cities and ZIP codes in North Dakota for car insurance:

Which North Dakota cities and ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in North Dakota tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. West Fargo has the most affordable ZIP code in North Dakota with an annual premium of $1,991.

How your location in North Dakota affects car insurance rates

Where you live in North Dakota can have a major impact on your car insurance premium. Insurers evaluate local risk factors such as accident frequency, traffic congestion, repair expenses and weather-related claims when calculating rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Gao.

Because each insurer weighs these location-based risks differently within its pricing model, premiums can vary significantly even for drivers with similar profiles living in different areas of the state.

Who has the cheapest car insurance for high-risk drivers in North Dakota?

Traffic violations and accidents can drive up your car insurance premiums because insurers often classify drivers with tickets or accidents as higher risk.

For instance, a speeding ticket can increase the average premium to $3,157 and may impact your rates for up to three years. An at-fault accident generally has a greater effect, raising the average cost of coverage to approximately $3,646.

A DUI is considered a serious offense and typically results in the largest premium increase, with average rates climbing to $4,589.

The table below illustrates the average rate increases following common driving violations.

Minimum car insurance requirements in North Dakota

To legally drive in North Dakota, drivers must carry at least 25/50/25 in liability car insurance. This required coverage includes bodily injury and property damage protection.

While meeting the state minimum keeps you legal on the road, those limits may not be enough in a serious accident. If damages exceed your liability coverage, you’re responsible for paying the remaining costs out of pocket.

For stronger financial protection, many experts recommend carrying at least 100/300/50 in liability coverage to better safeguard your assets and future earnings.

The table below shows the minimum liability limits drivers must carry to legally drive in North Dakota.

Final thoughts on the best and cheapest car insurance in North Dakota

The best car insurance in North Dakota depends on your budget, driving profile and coverage needs. Auto-Owners stands out for its overall value, offering competitive pricing along with strong customer satisfaction and solid financial strength.

That said, the cheapest insurer for the average driver may not be the cheapest for you. Factors like your age, driving history, vehicle and ZIP code all influence your final quote, which is why comparing multiple insurers is key.

To get the best rate in North Dakota, compare quotes from at least three companies, review coverage limits (not just price) and take advantage of discounts such as bundling, safe driver, telematics or good student savings. A few minutes of comparison shopping can lead to significantly lower premiums without sacrificing coverage.

What our experts say

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

Teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups

Methodology

Our car insurance analysis is based on 2026 rate data across all 50 states and Washington, D.C., covering 29,159 cities and 34,595 ZIP codes.

For standard rate comparisons, we analyzed 65,756,440 quotes from 195 companies across 73 insurer groups. Rates reflect a 40-year-old male and female driving a Honda Accord LX with 100/300/100 liability limits, $500 collision and comprehensive deductibles, a good insurance score, no violations, a 12-mile commute and 10,000 annual miles. The national average premium for this profile is $2,578 per year.

To measure the impact of risk factors, we reviewed an additional 95,071,152 quotes modeling at-fault accidents, DUI/DWI, speeding violations and poor credit, using the same base profile for consistency.

Company rankings are weighted as follows:

• J.D. Power (30%) – customer satisfaction
• Annual premium (25%) – average cost
• AM Best (25%) – financial strength
• NAIC (20%) – complaint index

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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