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Last Updated on January 1, 2026
Car insurance in North Dakota is typically cheaper than the national average, but your price still depends heavily on your ZIP code, driving record, vehicle, and coverage limits. Recent rate studies estimate North Dakota drivers pay around $1,801 per year for full coverage on average (about $397 per year for minimum coverage), while the national average is closer to $2,697 per year for full coverage.
Even in a relatively affordable state, rates can spike after a DUI, an at-fault accident, multiple tickets, or a lapse in coverage. The easiest way to find the best value is to compare quotes from multiple insurers and confirm you’re getting the right protections for your situation.
If you’re shopping regionally, you can also compare pricing trends in nearby states like South Dakota to get a sense of how location impacts cost.
North Dakota drivers can choose from national insurers and strong regional options. The “best” company depends on what you value most (price, claims handling, local agents, or specialized coverage). These insurers are commonly competitive choices to start your quote comparison.
USAA is often one of the best values for eligible drivers thanks to strong customer satisfaction and competitive pricing. The catch is eligibility: USAA is limited to military members, veterans, and qualifying family members. If you’re unsure whether you qualify, check who is eligible to get car insurance from USAA.
State Farm is a popular pick for drivers who want a large network of local agents, solid coverage options, and plenty of discounts. It can be especially appealing if you prefer in-person service instead of a fully app-first experience.
North Dakota-based Nodak is a go-to option for many local drivers who want a regional insurer with a strong in-state footprint. It may be a strong fit if you value local knowledge and region-specific underwriting.
GEICO is frequently competitive for price shoppers who are comfortable managing most of their policy online. It’s also known for a wide range of discounts that can help lower premiums for the right driver profile.
Nationwide offers broad coverage options and multiple discount paths, including usage-based programs in many areas. It can be a good option if you want flexible coverage add-ons and don’t mind comparing program details.
American Family is often a strong contender for drivers who want multiple coverage options and potential savings from bundling (like auto + homeowners or renters). It can be a good fit for households looking to consolidate policies.
Progressive is a common choice for drivers who like flexible pricing tools and are willing to shop options quickly online. Rates can vary widely by driver profile, so it’s best used as part of a broader comparison.
North Star Mutual is a mutual insurer (owned by policyholders rather than shareholders), which some drivers prefer. It may be a good option if you want a more regionally-focused carrier and agent-driven service.
Auto-Owners is often praised for dependable coverage and an agent-based approach. It can be a strong candidate if you want help tailoring coverage limits and endorsements instead of picking everything yourself online.
AAA can be worth a look if you like the idea of combining auto insurance shopping with membership perks. Availability and underwriting can vary based on your local AAA club and insurer partner.
North Dakota requires drivers to carry insurance that meets the state’s minimum limits. The North Dakota Insurance Department explains the current requirements and what counts as valid coverage here.
In North Dakota, minimum coverage includes liability, uninsured/underinsured motorist protection, and basic no-fault medical coverage:
If you lease or finance your vehicle, your lender will typically require “full coverage,” which usually means adding collision coverage and comprehensive coverage on top of the state minimums. If you don’t carry the required lender coverage, the lender may purchase coverage to protect the loan collateral (sometimes called collateral protection insurance) and charge you for it.
Driving without insurance in North Dakota can lead to fines and points on your driving record. North Dakota Highway Patrol publishes a violations/penalties reference that includes the “driving without liability insurance” offense and related point/fine details here.
Common consequences can include:
If you were involved in a crash while uninsured, learn what can happen next (civil liability, lawsuits, out-of-pocket repairs, and more) in our guide to an accident without insurance.
A DUI conviction can cause a major premium increase. Some insurers will raise rates sharply (and some may non-renew), while others remain more competitive depending on your overall history. Here’s a deeper breakdown of how much insurance can go up after a DUI.
If you need a new policy after a DUI, start by comparing multiple quotes and focusing on carriers known for working with higher-risk drivers. This guide to cheap DUI/DWI car insurance walks through strategies that can help.
At-fault accidents typically increase premiums for several years, but the size of the increase depends on the insurer, claim severity, and your prior history. This overview explains how much your car insurance can go up after an accident and what to do next.
A single minor speeding ticket may have a modest impact, but multiple tickets (or a serious speed) can raise rates fast. If you’re trying to estimate the potential impact, see how much a single speeding ticket can increase your rates.
Drivers under 25 generally pay the highest premiums because insurers consider them higher risk. The best way to cut costs is to compare quotes, look for good student discounts, and consider staying on a family policy (when possible). If you’re pricing policies for teens, this guide on average insurance rates for a 16-year-old helps set expectations.
Many insurers use a credit-based rating factor when allowed, and the difference between “good” and “poor” credit tiers can be significant. This explainer covers what a credit-based insurance score is and how it can affect pricing.
North Dakota may require proof of financial responsibility in certain situations (for example, after serious incidents or when reinstating driving privileges). If you’ve let car insurance lapse or you’re dealing with reinstatement requirements, you may hear terms like “proof of financial responsibility.” Here’s a plain-English overview of proof of financial responsibility and what it means for drivers.
For official state guidance on SR-22 and related proof requirements, you can also review North Dakota DOT information here.
Even if you already have a policy, you can often lower your premium with a few simple changes:
North Dakota drivers often enjoy below-average premiums, but the best policy is still the one that fits your budget and protects you properly. Compare multiple quotes, confirm you meet North Dakota’s minimum requirements, and consider higher liability limits if you want better protection.
Start with a short list of insurers (including at least one regional and one national carrier), then compare apples-to-apples coverage. That’s the most reliable way to find the best car insurance in North Dakota for your needs.
