Cheapest Car Insurance in North Dakota 2025: Find Affordable Rates

Finding the cheapest car insurance in North Dakota can be challenging, given the many providers to choose from. However, by comparing rates and understanding the factors that affect premiums, you can save on auto insurance.

This guide provides a comprehensive look at the most affordable North Dakota auto insurance for 2025, along with tips to lower your costs.

Average Cost of Car Insurance in North Dakota

The average cost of car insurance coverage in North Dakota varies depending on factors such as age and coverage levels. Here’s a breakdown of the average annual premiums in the state:

Source: Best car insurance in North Dakota for 2025 (Bankrate)

If you look at car insurance rates by state, North Dakota auto insurance is lower than the national average and other states. The state's averages are just that, so your individual rates may differ depending on factors such as age and driving history.

Factors Affecting Car Insurance Rates in North Dakota

Besides the company you choose, other factors that affect car insurance rates in North Dakota include:

1. Driving Record: Good drivers with clean records pay lower premiums, while accidents or violations increase premiums.
2. Age and Gender: Younger drivers and males often pay higher premiums because providers view them as a higher risk to insure.
3. Location: Rural areas often have lower rates than urban centers like Fargo or Bismarck. Also, weather conditions can affect insurance, with harsher conditions leading to higher rates. It’s often a huge consideration in other states, for example, when looking for cheap auto insurance in Texas.
4. Vehicle Type: Cars with high safety ratings or anti-theft features may qualify for discounts.
5. Coverage Level: Minimum liability coverage is cheaper than full coverage.
6. Credit History: People with low credit scores often pay more than those with good credit.

Cheapest Auto Insurance, North Dakota: Comparison by Age Group

Younger drivers often pay more than older ones. Providers see young people as a higher risk to insure because they have less experience on the road. But older drivers are considered more financially stable with longer driving experience, leading to lower auto insurance rates. However, there are cheap car insurance options for North Dakota drivers of all ages.

Teen Drivers

Teenagers aged 17 are just starting their driving journey and have very little experience. Thus, providers see them as high-risk, leading to higher car insurance costs. Male drivers in this category sometimes face even higher rates, as they are more likely to engage in risky driving behavior.

The cheapest North Dakota car insurance for female drivers in this age group is Nationwide at $2,437 per year. Geico and American Family also offer cheap rates for these drivers.

Source: Cheapest Car Insurance in North Dakota for 2025 (US News)

Young Adults

25-year-old drivers receive lower rates than teens because they have more driving experience. Nationwide offers the cheapest rates for drivers in this age group at $1,016 for females and $1,099 for males, per year. Geico also has cheap rates for these drivers.

Source: Cheapest Car Insurance in North Dakota for 2025 (US News)

Adult Drivers

By age 40, insurance costs are much lower. Multiple companies offer cheap auto insurance to drivers in this category, but the most affordable is Nationwide for female adult drivers at $851. Males can find the cheapest rates with USAA at $855 per year. However, note that USAA only serves military personnel and their family members. The next best option for males is Nationwide.

Source: Cheapest Car Insurance in North Dakota for 2025 (US News)

Senior Drivers

Senior drivers in their 60s also get cheap auto insurance in North Dakota. Nationwide has the lowest average rates for these drivers at $743 for females. The cheapest option for males is USAA at $792 annually. Those who do not qualify for USAA can find the next best rates with Nationwide.

Source: Cheapest Car Insurance in North Dakota for 2025 (US News)

Cheapest Car Insurance, North Dakota: Top 5 Companies

The following companies offer the cheapest car insurance in North Dakota:

1. Nationwide

• Average Annual Premium: $899
• Best For: Most drivers in North Dakota and those with a speeding ticket.
• Notable Features: Good customer service and customizable policies.

2. USAA

• Average Annual Premium: $1,034
• Best For: Military members and their families.
• Notable Features: Multiple discounts and a focus on the military community.

3.  Progressive

• Average Annual Premium: $1,197
• Best For: Drivers with a poor credit score.
• Notable Features: Snapshot program for personalized rate, and teen driver discounts

4.  American Family

• Average Annual Premium: $1,200
• Best For: Drivers with a car accident on their record.
• Notable Features: Strong local agent network and DriveMyWay/MilesMyWay discounts.

5.  Geico

• Average Annual Premium: $1,338
• Best For: Teens and Young Adults
• Notable Features: 24/7 customer service and online/mobile policy access, and discounts for paying your premium in full when you purchase the policy.

Source: Cheapest Car Insurance in North Dakota for 2025 (US News)

Cheap Car Insurance, North Dakota by Location

Some locations have higher car insurance costs than others. Often, urban areas such as Selfridge and Solen have the highest rates. Therefore, if you're looking for cheap car insurance in North Dakota, consider where you live as well. Some of the most affordable cities for auto insurance in the state are:

Source: Best car insurance in North Dakota for 2025 (Bankrate)

Cheap Auto Insurance, North Dakota: For High Risk Drivers

Insurers in North Dakota can use your driving record to determine your insurance rates. Drivers with no violations often pay less, while those with traffic incidents will pay more. According to US News, the state averages for high-risk drivers are:

• With one speeding ticket: $2,303
• With one at-fault accident: $2,676
• With one DUI: $3,638

Drivers with 1 Speeding Ticket

Even one speeding violation can increase your insurance costs by hundreds of dollars per year. The cheapest car insurance company for drivers in Dakota with one speeding ticket is Nationwide at $1,063 per year.

Drivers with 1 At-Fault Car Accident

American Family is the cheapest on average for drivers in the state with one at-fault accident on their record. They offer an average annual rate of $1,200.

Drivers with 1 DUI

A DUI will cause the largest increase in your insurance rates out of the three factors related to driving history. Progressive offers the lowest rate for a driver with a DUI in North Dakota, with an average rate of $1,434 per year.

Minimum Liability Insurance Requirements in North Dakota

North Dakota law requires drivers to have the following minimum coverage:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident (two or more people). It pays for the medical bills of others injured in an at-fault accident.
• Property Damage Liability: $25,000 per accident. It helps pay for the repair or replacement of property you damage in an accident for which you are at fault.
• Uninsured and Underinsured Motorist Coverage (UM/UIM): $25,000 per person and $50,000 per accident for bodily injury. Underinsured and uninsured motorist coverage helps pay for your and your passengers’ medical expenses in an accident involving an at-fault driver who doesn’t have any insurance or doesn't have enough.
• Personal Injury Protection (PIP): $30,000 per person. North Dakota is a no-fault state. Therefore, drivers injured in an accident must file a claim with their insurance company to receive a payout. Personal injury protection helps pay for your medical and other expenses, such as lost wages, regardless of who is at fault.

While these meet state law requirements, minimum coverage limits may not provide enough protection in serious accidents. This is why some drivers get higher limits. Also, you can get additional coverage in North Dakota, including:

• Comprehensive Coverage: Protects your car from non-collision incidents, including theft, severe weather, fire, vandalism, and animal collisions. Lenders and lessors often require this insurance.
• Collision Coverage: Helps pay to repair or replace your vehicle if it’s damaged or totaled in an at-fault collision with another car or object. Lenders and lessors in North Dakota may require you to have it.
• Roadside Assistance: Helps pay for emergency on-site service such as towing, tire changes, fuel delivery, battery replacement, and other minor repairs. The exact services vary by the insurance company.
• Rental Car Reimbursement: This coverage helps pay for your rental car if you need one after your vehicle is damaged, stolen, or totaled.

Tips to Lower Your North Dakota Car Insurance Premiums

1. Compare Quotes: Shop around to find the best rates.
2. Bundle Policies: Combine auto insurance with home or renters insurance for discounts.
3. Maintain a Good Driving Record: Avoid accidents and traffic violations.
4. Increase Your Deductible: Opt for a higher deductible to lower your premium. But make sure you can afford the costs.
5. Apply for Available Discounts: Many insurers offer discounts for safe driving or completing defensive driving courses.
6. Only Get the Required Coverages: If you have an older car, dropping comprehensive and collision coverage could save you money.

FAQs

What is the Cheapest Car Insurance in North Dakota?

The cheapest insurance in the state often depends on several factors, including age and driving history. However, according to US News, Nationwide is the cheapest provider overall at $899 per year. The most affordable company also varies among states; for example, the cheapest car insurance in Indiana is different from North Dakota and other midwestern states.

How Can I Lower My Car Insurance Premium?

You can lower your premium by maintaining a clean driving record, bundling policies, comparing auto insurance quotes, and asking about discounts.

Is Full Coverage Necessary in North Dakota?

Full coverage is not necessary in the state. However, it is recommended for newer vehicles or if you want better financial protection.

Is it Illegal to Drive Without Car Insurance in North Dakota?

Yes, driving without insurance is illegal in North Dakota. Even driving a vehicle in recreational spaces such as Theodore Roosevelt National Park without car insurance could result in fines, license suspension, jail time, and vehicle registration suspension.