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Drivers in North Dakota pay around $150 per month on average for car insurance, though certain insurers offer cheaper coverage. Auto insurance in North Dakota is relatively affordable compared to most other U.S. states. In fact, it’s the ninth-cheapest state for car insurance in the country.
If you’re searching for a new policy, comparing quotes can help you find coverage at a price that aligns with your budget.
The average cost of car insurance in North Dakota is $150/mo.
Midvale Home & Auto is the cheapest provider in North Dakota, with an average rate of $119/mo.
The best way to save money on car insurance is to compare quotes online.
Table of contents
- Best cheap car insurance in North Dakota: Nationwide
- Minimum car insurance requirements in North Dakota
- Tips for getting cheap car insurance in North Dakota
- Liability-only vs. full-coverage insurance in North Dakota
- How your driving history affects North Dakota car insurance rates
- How credit scores affect North Dakota car insurance quotes
- How your city affects North Dakota insurance quotes
- How your age affects your North Dakota car insurance rates
- North Dakota car insurance FAQs
Best cheap car insurance in North Dakota: Nationwide
Insurify gathers information on the best cheap car insurance companies in North Dakota and factors it into the Insurify Composite Score (ICS). With an 89 ICS and an average monthly quote of just $120, Nationwide is our top company for cheap auto insurance in North Dakota.
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Learn More: Best Car Insurance Companies
Minimum car insurance requirements in North Dakota
All motor vehicles operated or parked on North Dakota roadways are required to be insured. You must carry proof of insurance in your car at all times and must have it available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
$25,000 per person/$50,000 per accident for bodily injury: A major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Dakota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of who caused the accident.
$25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$30,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage or no-fault coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive nonmedical benefits, compensating you for lost wages, household expenses, and even funeral costs.
$25,000 per person/$50,000 per accident for uninsured/underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Dakota, this coverage pays for bodily injury only.
North Dakota DMV information
North Dakota drivers who need assistance will want to contact the North Dakota Department of Transportation (DOT). The North Dakota DOT lets customers access REAL ID information, driver education requirements, and hours and addresses for local branches. You can also renew your license and motor vehicle registration through the DOT website. If you get a speeding ticket in North Dakota, you can pay it through the North Dakota State Highway Patrol website.
Public transportation in North Dakota
While larger cities in North Dakota offer bus service, the state doesn’t have a robust public transit system. The best way to get around is by car, though you may be able to live without a car in the Fargo metro area, which offers MATBUS bus service from Monday to Saturday. Rideshare services may also be an option if you prefer not to have a car of your own.
Tips for getting cheap car insurance in North Dakota
Comparing auto insurance quotes is a great way to find the best and least expensive policies in North Dakota. Just remember that your insurance rates will vary based on your age, location, credit score, driving history, and other factors. Using a quote-comparison site can help you save time when you’re shopping around for a new auto policy.
Liability-only vs. full-coverage insurance in North Dakota
If you live in North Dakota, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:
You have a low-value vehicle.
You can afford to repair or replace your car out of your own pocket.
Getting the cheapest insurance possible is your top priority.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the cheapest auto insurance in North Dakota by policy type.
Some North Dakota drivers may prefer liability-only coverage instead of full coverage. Liability-only coverage could make sense if you drive an older, low-value vehicle. With a liability-only policy, you’ll generally get cheaper premiums. For example, State Auto offers coverage for $54 per month on average. Midvale Home & Auto and Safeco also offer affordable liability-only policies, with drivers paying $70 and $98 per month, respectively.
How your driving history affects North Dakota car insurance rates
North Dakota insurers consider your driving history when calculating your car insurance rates. Drivers with a clean driving record will likely pay less for auto insurance than those with driving violations. But even if you do have an at-fault accident, speeding ticket, or DUI on your record, you can still find companies that offer affordable rates.
Check out the table below for an idea of what drivers with different driving records pay for car insurance in North Dakota. Quotes are sourced from Insurify’s proprietary database of more than 70 million car insurance quotes.
SR-22 insurance in North Dakota
Some states require your insurer to file an SR-22 form on your behalf after a serious traffic violation, like a DUI or reckless driving. Put simply, an SR-22 proves that a driver has met the minimum auto insurance requirements.
See More: North Dakota SR-22 Car Insurance
How credit scores affect North Dakota car insurance quotes
Generally, insurers consider drivers with excellent credit to be less of a financial risk, resulting in lower auto insurance rates for them. North Dakota drivers with excellent credit pay $133 per month on average for coverage, while drivers with bad credit pay $266 per month on average.
|Average Monthly Quote
Check Out: No-Credit-Check Car Insurance
How your city affects North Dakota insurance quotes
Where you live in North Dakota will also affect the cost of your car insurance coverage. Drivers in less populated areas, like Dunseith, can expect to pay lower rates than those in more populated areas, like Bismarck and Fargo. Overall, Dunseith drivers get the cheapest average monthly quotes of $80 per month, while drivers in Mandan see the highest rates on average, at $202 per month.
How your age affects your North Dakota car insurance rates
North Dakota teenagers and those under 25 will pay the most for auto insurance coverage out of all age groups. Younger drivers are considered riskier to insure, which means they typically pay more for coverage than older drivers. Teens in North Dakota get the highest average monthly quotes, paying around $239 for coverage. North Dakota drivers in their 60s pay the least, with an average monthly quote of just $87.
|Average Monthly Rate
Quotes for younger drivers
Drivers under the age of 25 in North Dakota can expect to pay the highest car insurance rates of any age group. Without a proven driving record, these drivers are riskier to insure than other age groups. If you add in an infraction like an accident or a DUI, you can expect car insurance quotes to be even more expensive.
Quotes for middle-aged drivers
Middle-aged drivers in North Dakota generally benefit from cheaper car insurance rates, as they have a proven driving record and safer driving behaviors. Have a look at the cheapest car insurance quotes for middle-aged drivers by driving record below.
Quotes for senior drivers
Senior drivers in North Dakota enjoy the cheapest rates of all age groups. This is because older drivers typically have safer driving behaviors than their younger counterparts and, as such, are less risky to insure.
North Dakota car insurance FAQs
Here are answers to some commonly asked questions about car insurance in North Dakota.
Midvale Home & Auto has the cheapest car insurance in North Dakota, with drivers paying just $119 a month. It’s followed closely by Nationwide, with an average monthly quote of $120, and State Auto, with an average monthly quote of $135. But keep in mind that the rate you pay will likely vary based on where you live, your driving history, your age, and other factors.
Several things could increase your car insurance rates in North Dakota, including an at-fault accident, DUI, speeding ticket, a dip in your credit score, or a move from a more rural area to a highly populated city. For example, a full-coverage car insurance policy from The General is around $160 on average for a good driver. But for those with a speeding ticket, the cost of the same coverage jumps to $246 per month on average. Young drivers in North Dakota also typically pay higher car insurance rates than older drivers.
North Dakota drivers pay an average of $150 per month for their car insurance coverage. However, a full-coverage policy may be available for as little as $119 per month, depending on the insurance provider you choose. And drivers who opt for minimum-coverage car insurance will pay even less. For example, State Auto offers minimum-coverage policies for just $54 per month on average.
The best car insurance companies in North Dakota are Nationwide, Midvale Home & Auto, and Safeco. Nationwide received an impressive Insurify Composite Score (ICS) of 89, while Safeco received an 86. These scores indicate that these insurers are reliable and financially healthy and that they provide quality coverage.
While Midvale Home & Auto doesn’t have an ICS score currently, it was recently rated A (excellent) for financial strength from insurance rating service A.M. Best. This signifies that the company is financially sound.
Yes, personal injury protection (PIP) coverage, also known as no-fault insurance, is required in North Dakota. Drivers need a minimum of $30,000 per person in PIP coverage, though you can also opt for more coverage. Personal injury protection can compensate you or your passengers for lost wages and medical bills after a car accident, no matter which driver is found at fault.
Yes, you need to have car insurance in North Dakota. Drivers must carry property damage liability ($25,000 per accident), bodily injury liability ($25,000 per person, $50,000 per accident), personal injury protection ($30,000 per person), and uninsured/underinsured motorist coverage ($25,000 per person, $50,000 per accident).
Property damage liability covers damage you cause to another’s property, while bodily injury liability covers injuries to other people in an accident. PIP covers your lost wages or medical bills after an accident, and underinsured/uninsured motorist coverage protects you if another driver is at fault in an accident and doesn’t have adequate coverage.
Most types of car insurance follow the car in North Dakota, with the exception of PIP coverage. Your bodily injury and property damage liability and underinsured/uninsured motorist coverage all follow the car. This means that your insurance will be the primary coverage if your car is in an accident, even if you’re not driving. So if you let a friend use your car to drive to work and they get into an accident, your insurance coverage will kick in first rather than theirs.
Full-coverage car insurance in North Dakota includes bodily injury and property damage liability, PIP, underinsured/uninsured motorist, collision, and comprehensive coverage. While collision and comprehensive coverage aren’t required in North Dakota, experts advise getting these coverages if you have a newer vehicle or an expensive older vehicle. Opting for collision and comprehensive in addition to required coverage will result in higher insurance rates but can help ensure you have financial protection in the event of an accident.
How North Dakota Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in North Dakota below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how North Dakota drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in North Dakota
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. North Dakota is the #44 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #44
- Percent of drivers in North Dakota with an accident: 6.8%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Dakota is the #1 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #1
- Percent of drivers in North Dakota with a DUI: 2.8%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. North Dakota is the #15 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #15
- Percent of drivers in North Dakota with a reckless driving offense: 1.6%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. North Dakota is the #15 state in the country for drivers with a rude driving violation on record.
- Rank among states: #15
- Percent of drivers in North Dakota with a rude driving violation: 1.9%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. North Dakota is the #13 state in the country for drivers with a speeding ticket on record.
- Rank among states: #13
- Percent of drivers in North Dakota with a speeding ticket: 10.7%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Dakota is the #4 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #4
- Percent of drivers in North Dakota with a failure to yield violation: 0.4%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- North Dakota Insurance Department. "Minimum Auto Insurance Requirements." Accessed December 21, 2022
- North Dakota State Government. "Department of Transportation." Accessed December 21, 2022
- North Dakota State Government. "Highway Patrol." Accessed December 21, 2022
- Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed December 21, 2022
- Business Wire. "AM Best Affirms Credit Ratings of American Family Mutual Insurance Company, S.I., Its Affiliates and American Family Life Insurance Company." Accessed December 21, 2022