Compare Cheap Auto Insurance in North Dakota

• The average cost of full coverage auto insurance in North Dakota is $2,067 annually. Minimum coverage is $711 annually on average.
• Nationwide is the cheapest provider in several categories. North Star is also cheap if you prefer a regional insurer.
• GEICO, Auto-Owners and American Family also have cheaper-than-average auto insurance rates for drivers in North Dakota.

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• Cheapest full coverage auto insurance in North Dakota: Nationwide ($1,193 annually) and American Family ($1,740 annually)
• Cheapest minimum coverage: North Star ($300 annually) and Auto-Owners ($386 annually)
• Cheapest with a teen driver: Nodak ($4,440 annually) and Nationwide ($4,638 annually)
• Cheapest with a speeding ticket: Nationwide ($1,441 annually) and GEICO ($1,931 annually)
• Cheapest with an at-fault accident: American Family ($1,836 annually) and Nationwide ($1,856 annually)
• Cheapest with a DUI: Progressive ($2,155 annually) and American Family ($2,382 annually)
• Cheapest with low credit: Nationwide ($1,696 annually) and GEICO ($2,292 annually)

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.

American Family ranked second overall in J.D. Power’s 2024 Auto Insurance Study for the Central region, which includes North Dakota. This annual survey, based on over 41,000 customer responses, evaluates insurers across seven dimensions, including trust, pricing and ease of doing business. Auto-Owners also performed well, placing just behind American Family.

When it comes to claims, Nationwide earned the highest score among our analyzed companies in J.D. Power’s 2024 Claims Satisfaction Study. Customers gave it top marks for fairness, communication and settlement speed. State Farm also exceeded the average in this category, reinforcing its 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.

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 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 and crime rates. Fargo and West Fargo offer some of the lowest average premiums in the state while Minot drivers pay 14 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: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible