Compare Cheap Auto Insurance in North Dakota

American Family is a regional favorite and offers the cheapest full coverage in North Dakota, with rates averaging $1,283 per year. It also made our recent list of the best auto insurance companies in North Dakota for best value insurance.

USAA has the cheapest average rates for minimum coverage at $280 per year, but it’s only available to military-affiliated drivers. North Star Mutual, based in Minnesota, has the next lowest rates ($318) and is known for personalized service and a strong local network — great for drivers who want straightforward coverage at a no-frills price.

Teen drivers in North Dakota (and across the United States) face some of the highest rates, due to their inexperience and increased risk for distracted driving. Choosing the right provider can save families hundreds or thousands of dollars.

American Family has the lowest average rates for young motorists at $3,370 per year, followed by North Star at $3,563 per year.

Getting a speeding ticket doesn’t have to wreck your insurance premiums — especially if you choose the right insurer. For those who qualify, USAA has the lowest average rates for drivers looking to rebound from infractions at $1,421. For non-military drivers, American Family ($1,684 annually on average) has the next cheapest rates for drivers in this category.

After an accident, insurance rates tend to jump. However, some insurers are more forgiving than others. American Family offers the cheapest rates in North Dakota after an at-fault accident at $1.326 annually — that’s 54 percent lower than the statewide average for drivers after an accident.

Drivers in North Dakota with a DUI on their record can expect to pay substantially more for car insurance. American Family offers the cheapest average rate after a DUI at $1,684 per year or about $140 per month. Progressive has the next cheapest average rates at $2,166 annually. Both are significantly less than the statewide annual average of $3,638 and undercut the national average of $4,461.

In North Dakota, as in many states, credit history can have a major impact on car insurance premiums — even more than a driving violation in some cases. For military-affiliated drivers, USAA stands out as the most affordable provider for drivers with low credit, with an average annual premium of $2,009 or $167 per month. That’s 44 percent less than the state average of $3,612 and well below the national average of $4,126.

American Family is the next most competitive option, with rates at $2,041 annually, followed by GEICO at $2,204. Both come in under the state average.

If you have poor credit, it’s especially important to compare quotes from multiple insurers. You may also want to consider telematics programs or bundling home/renters and auto insurance for discounts to offset some of the credit-related rate increase.

While saving money is important, customer satisfaction and claims experience matter just as much — especially when you need to file a claim, resolve a billing issue or change your policy. We analyzed three major satisfaction studies to highlight the insurers that deliver more than just low rates.

State Farm ranked second overall in J.D. Power’s 2025 Auto Insurance Study for the Central region, which includes North Dakota. American Family also performed well, placing just behind State Farm. State Farm and American Family also exceeded the average in J.D. Power’s 2025 Claims Satisfaction Study, reinforcing their strong reputation for handling claims efficiently.

In the CRASH Network Insurer Report Card, which gathers feedback from auto body repair shops on insurers’ claims practices, Auto-Owners and North Star Mutual were standouts, earning grades high enough to place them on the publication’s national honor roll. These regional carriers may not spend much on advertising, but their strong relationships with repair shops translate into better outcomes for policyholders when it comes to repairs and service.

Nodak is a Fargo-based insurer with a strong local presence in North Dakota. Though ratings are unavailable due to its smaller size, it’s worth exploring for drivers seeking a regional provider.

Auto insurance premiums can vary significantly between drivers — even within the same ZIP code. To lock in the best deal, North Dakota drivers should consider these proven strategies:

• Compare quotes from multiple insurers: Rates can vary by hundreds of dollars per year for the same level of coverage. Start with a side-by-side comparison of at least three companies, including both national brands and regional insurers like North Star or Nodak.
• Consider usage-based or telematics programs: Companies like Progressive (Snapshot), GEICO (DriveEasy) and Nationwide (SmartRide) offer discounts if you’re willing to share driving data through an app or plug-in device. Safe drivers, especially those who don’t drive often, can save significantly — sometimes up to 30 percent.
• Maintain a clean driving record: A single speeding ticket in North Dakota can raise your rate by over 40 percent on average. Avoiding traffic violations is one of the fastest ways to keep premiums low.
• Ask about bundling and loyalty discounts: If you already have a homeowners or renters policy, bundling it with your auto insurance can lead to discounts of 10 percent to 25 percent. It can also streamline things to manage both policies from a single place.
• Look for local insurers with strong customer service: Smaller regional companies like Nodak, Auto-Owners or North Star may not have name recognition but are known for competitive pricing and excellent claims handling — especially in rural and smaller cities.
• Adjust your coverage for older vehicles: If you drive an older car that is paid off fully, dropping comprehensive and collision coverage could reduce your premium. Just be sure the reduced protection still fits your risk tolerance.
• Raise your deductible: If you can afford to pay more out of pocket in the event of a claim, increasing your deductible from $500 to $1,000 can lower your monthly premium.

Shopping smart and reviewing your policy annually can help ensure you’re getting the most value — not just the lowest price — on your auto insurance in North Dakota.

Where you live in North Dakota can influence your car insurance rates due to traffic, weather, density, and more. Fargo and West Fargo offer some of the lowest average premiums in the state while Minot drivers pay 13 percent more than their Fargo neighbors.

North Dakota requires the following minimum auto insurance coverage:

• $25,000 bodily injury liability per person/$50,000 bodily injury liability per accident
• $25,000 property damage liability
• $25,000 uninsured motorist coverage per person/$50,000 uninsured motorist coverage per accident
• $30,000 personal injury protection (PIP) per person⁴

Compared to many other states, North Dakota’s minimum auto insurance requirements are relatively comprehensive. That said, it’s often wise (and generally affordable) to increase your bodily injury and property damage liability limits above the state-required minimum, to protect yourself financially in the event of a serious accident.

Additionally, North Dakota’s minimum requirements do not cover damage to your vehicle in the event you cause an accident. To ensure your vehicle is covered, you’ll need to add comprehensive and collision coverage, which your lender may require if you leased or financed your car.

We analyze average premiums in North Dakota for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Personal injury protection (PIP): $30,000 per person
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible