Best Cheap Auto Insurance in North Dakota (2025)
Midvale Home & Auto, The General, and Safeco offer some of the most affordable rates in the state. Full-coverage insurance costs $195 per month for drivers in North Dakota.
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On average, North Dakota drivers pay $96 per month for auto insurance, which is less than the national average of $143 per month. The state’s low population density contributes to its relatively low car insurance rates — it ranks 47th in the country, with 800,000 residents in 69,000 square miles of land.1 2
Here’s what you should know about finding car insurance in the Peace Garden State.
3 of the cheapest car insurance companies in North Dakota
Every driver has a unique situation that affects car insurance costs. Some of the best car insurance companies in North Dakota consistently offer low premiums for different coverage levels and many types of drivers.
As a driver, shopping around for quotes from different insurers is the best way to find the cheapest insurance. Below, you’ll find information on some of the best insurance companies available in North Dakota.
Midvale Home & Auto
The General
Safeco
How to get the cheapest car insurance in North Dakota
You can’t completely avoid the cost of car insurance, but you can take action to lock in the best possible price by following the strategies below:4
Ask for a discount. Most insurers offer some discount opportunities. A few popular discounts reward safe drivers and good students. It’s a good idea to ask if you qualify for savings.
Bundle policies. Households that bundle multiple policies can often earn savings. For example, you can earn a discount by getting your homeowners insurance, life insurance, or other policies through the same insurance company you buy auto coverage from.
Increase your deductible. When you increase your deductible, you typically earn lower car insurance premiums. Make sure you can afford to cover the new deductible if you need to file a claim.
Opt for minimum coverage. The coverage level you choose affects your annual premiums. If you feel comfortable buying liability-only car insurance, you can save money on coverage.
Shop around. When you compare quotes from multiple insurance companies, you can determine which offers the best price for your situation.
Cheapest liability-only car insurance quotes in North Dakota
Liability-only auto insurance covers the vehicle damage or bodily injuries you cause to another party in an accident. For example, your liability insurance might help cover the other driver’s medical bills. This insurance option is often the cheapest. This type of policy won’t cover your vehicle or medical payments after an accident.
The average rate for liability-only coverage in North Dakota is $70 per month. Compare the cheapest companies for liability coverage in North Dakota below.
Cheapest full-coverage car insurance quotes in North Dakota
In addition to liability coverage, a full-coverage policy includes both comprehensive and collision coverage. Collision coverage helps you repair or replace your vehicle after an accident. Comprehensive coverage helps pay for repairs after a non-collision incident, like a fallen tree or a hailstorm.
Your auto lender, if you have one, may require you to purchase full coverage. But even if you don’t need to carry it, the increased coverage can help you protect your vehicle. On average, full-coverage insurance costs $122 per month in North Dakota.
The table below shows rates for a few popular insurers.
Insurance companies consider your age when determining auto insurance premiums.
Many insurance companies charge teenagers and young drivers higher car insurance costs due to their lack of experience on the road.
In general, drivers start to pay much lower rates after turning 25 and gradually save more as they age. But around age 70, many senior drivers begin to see slight increases in their car insurance prices due to age-related risk factors.
Car insurance requirements in North Dakota
North Dakota law requires drivers to carry a minimum amount of car insurance. Without this minimum coverage, it’s illegal to operate a vehicle on public roadways. In this no-fault state, you also need to carry a minimum amount of uninsured motorist coverage and personal injury protection (PIP).
In the table below, you can find the state minimums mandated by North Dakota law.
For additional vehicle protection, you may want to consider the following optional insurance coverages:
Cheapest car insurance in North Dakota by driving record
Occasional mistakes on the road happen, and they can turn into incidents on your record. Speeding tickets, driving under the influence (DUI) charges, and at-fault accidents can lead insurance companies to consider you a high-risk driver. In general, this means drivers with an incident pay more for car insurance than drivers with a clean record.
For example, North Dakota drivers with a clean record pay an average of $70 per month for liability insurance. That rate increases to $113 per month for North Dakota drivers with a DUI.
See how insurance rates can change by driving incident in the table below.
Where you live in North Dakota affects how much you pay for car insurance. Check out liability and full-coverage rates for different North Dakota cities in the table below.
North Dakota car insurance FAQs
Finding coverage in North Dakota doesn’t need to feel overwhelming. The information below should help you navigate the process of finding affordable car insurance in the state.
On average, car insurance in North Dakota is $96 per month. Drivers in the state pay $70 per month for liability insurance and $122 per month for full-coverage insurance. Coverage in the state is more affordable than the national average of $143 per month.
The best car insurance companies in North Dakota include Safeco, The General, and Midvale Home & Auto. Safeco earned the highest IQ Score of the three insurers, at 8.1, and also has an A financial strength rating from AM Best.
Yes. Driving without insurance is illegal in the state. North Dakota drivers must carry minimum amounts of bodily injury liability, property damage liability, uninsured/underinsured motorist, and PIP coverage. If you fail to do so, you have to pay a fine of at least $150 and file an SR-22 form with the state.
Yes. North Dakota is a no-fault state, which means the insurers of both drivers involved in an accident cover the medical costs associated with the collision, regardless of fault. Each driver will file a claim with their insurer for their injuries.
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