Best Car Insurance In North Dakota For (updated 2023)

WRITTEN BY: Julia Matseikovich


If you’re shopping for car insurance in North Dakota, you should compare rates to find your ideal premium. Deductibles, rates, and coverage can all be confusing parts of the buying process. This article covers all you need to know when purchasing car insurance in North Dakota.

Best North Dakota Car Insurance Companies

Consider your needs as a driver when determining your coverage. For some people, the minimum coverage is enough. Premiums factor in many things, including age, liability limits, and more. Here are some of the best companies for car insurance in North Dakota by price, customer service, and discounts.

Cheapest North Dakota Car Insurance Company

A liability-only coverage policy is cheaper than full-coverage for your car. The cheapest car insurance companies for minimum coverage in North Dakota are Nodak Mutual and GEICO, at $208 and $283 annually. State Farm has the cheapest full-coverage policy, averaging $1,056 annually.

Company With the Best Customer Service

Customer service is an important part of evaluating the quality of your car insurance. In North Dakota, Auto-Owners insurance has the highest customer service rating. It boasts an 845 JD Power score and an AM Best A++ rating.

Company With the Best Premium-Reducing Programs

Some car insurance companies offer premium-reducing programs. There are courses you can take, such as defensive driving, which lower the cost of your insurance. In North Dakota, USAA insurance offers some of these extensive discount options. They reduce your rate when you enroll in a loyalty program, take a safety course, or cover multiple vehicles.

Company With the Best Discounts

State Farm is a company in North Dakota offering numerous discounts. Some of the many discounts they provide include:

  • Safe driver discount
  • Defensive driving course
  • Accident-free
  • Good student 
  • Vehicle safety features & devices

Local and Regional Car Insurance Carriers In North Dakota

Nodak Insurance

Nodak Insurance Company has served the state’s residents for over 75 years. Nodak writes the standard coverages that Bismark, Fargo, and Grand Forks drivers need. 

These coverages include bodily injury liability, property damage liability, personal injury protection (pip), uninsured motorist, underinsured motorist, collision, other than collision, and new car replacement. 

Nodak Insurance offers discounts to help North Dakota’s drivers save money, including discounts for insuring more than one vehicle and completing a defensive driving course.  

Auto-Owners Insurance

North Dakota’s Auto-Owners Insurance company offers the primary coverages required by state law: Collision, Comprehensive, Bodily Injury Liability, Uninsured/Underinsured Motorist, and Property Damage Liability. 

Drivers in Fargo, Bismark, Grand Forks, and Minot have operations for additional coverage, like road trouble service (for flat tires, dead batteries, and other minor mechanical issues) and the purchase price guarantee. 

North Dakota drivers have many ways to save with Auto-Owners Insurance, including discounts for multiple policies, discounts for on-time premium payments, deals for paying in total, and discounts for good students.

Grinnell Mutual Insurance

Grinnell Mutual Insurance provides North Dakota drivers with a full suite of auto coverages — comprehensive, collision, and liability. The policies are flexible to meet the needs of North Dakota drivers, which is why the company has a particular rate classification for vehicles used for farming operations. 

Its Auto Plus endorsement lets you add coverage for airbag reinstallation, pet injuries, lock replacement, personal property loss, and rental cars. Grinnell Mutual rewards North Dakota drivers who pay in full or have both the home and auto covered by the company.  

North Dakota Insurance Demographics

Demographics also play a role in determining car insurance rates. Below are some demographics in North Dakota insurers take into consideration.

  • Crime Rates: North Dakota’s crime rate is 3.3 incidents per 1,000 people. The state also so an increase in property crimes from 20 to 21.2 per 1,000 people this year.
  • Average Household Income: Around 6% of houses in North Dakota are high-income. The average annual household income is $85,506.
  • Median Age Range: The median age across North Dakota is 35.2 years of age.
  • Education: North Dakota ranks 16 out of 50 states for education, with a graduation rate close to 90%.

Common Risk Factors In North Dakota

Natural disasters in a location are risks factored into your car insurance premiums. In North Dakota, common disasters include severe storms, floods, winter snows, wildfires, drought, tornadoes, landslides, and power outages. 

Auto Insurance Laws In North Dakota

It’s illegal to drive without insurance in North Dakota. You must obtain minimum liability requirements for a car insurance policy.

What are the minimum car insurance requirements in North Dakota?

Minimum liability coverage in North Dakota includes:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property damage
  • $25,000 per person for bodily injury for uninsured/underinsured motorist coverage
  • $50,000 per accident for bodily injury for uninsured/underinsured motorist coverage
  • $30,000 personal injury protection

Am I required to carry uninsured motorist coverage in North Dakota?

Uninsured motorist coverage is part of the minimum requirements for your car insurance policy. You must have a limit of $50,000 per accident for uninsured or underinsured motorist coverage.

North Dakota SR-22 policies

SR-22 forms prove you have car insurance meeting the minimum requirements for liability in North Dakota. You need an SR-22 in North Dakota for at least one year.

Is North Dakota a no-fault state?

North Dakota is a “no-fault” insurance state. Your insurance covers losses when you’re injured in an accident, regardless of who is at fault.

What happens if my vehicle isn’t properly insured?

Driving without insurance in North Dakota is a Class B misdemeanor. If convicted, you may have to pay fines up to $5,000, need to surrender your license, and could face jail time.

Does North Dakota accept digital insurance cards?

Some insurance carriers provide electronic copies of your insurance card. You can use it within their mobile app on your phone to show proof of insurance. North Dakota allows you to have this digital insurance card rather than a paper card.

How Much Does Car Insurance In North Dakota Cost?

North Dakota residents pay less for their car insurance than the nationwide average. The average cost is $1,178 annually. Depending on location, company, age, gender, and driving record, prices can vary.

Average Cost of Car Insurance By City

The table below provides the annual cost for insurance in North Dakota by city. 

CityAverage North Dakota Car Insurance Cost
Grand Forks$1,100
West Fargo$1,075

Average Cost of Car Insurance By Company

The chart below shows the breakdown of annual car insurance premiums by company. The cheapest full-coverage rate comes from American Family.

Car Insurance CompanyAverage Full-Coverage Premium (Annually)
American Family$820
State Farm$1,225

Average Cost of Car Insurance By Age

Age is a factor in determining your car insurance premiums. The average annual price you pay by age in North Dakota is below.

AgeAverage Full-Coverage Premium (Annually)
Age 16$1,510
Age 18$3,770
Age 20$2,650
Age 25$1,580
Age 30$1,395
Age 40$1,265
Age 50$1,185
Age 60$1,140
Age 70$1,210

Average Cost of Car Insurance By Gender

Insurance costs also differ depending on your gender. North Dakota’s breakdown is here:

GenderAverage Full-Coverage Premium (Annually)

Average Cost of Car Insurance By Credit Score

Your credit score impacts how much you pay for car insurance. The average annual premiums in North Dakota for various credit scores are:

Credit ScoreAverage Premium (Annually)
Very Good$1,290

Average Cost of Car Insurance By Driving Record

Car insurance costs tend to rise in North Dakota after an accident. You also see rates increase due to a violation or ticket.

Driving IncidentAverage Full-Coverage Premium (Annually)% Increase In Average Full-Coverage Premium
Speeding Ticket$1,54023%

What Optional North Dakota Auto Insurance Coverages Should You Consider?

There are many options for coverages to add to your auto insurance. North Dakota offers additional coverage types you might need depending on your ability as a driver, including collision and comprehensive coverage. Collision helps repair costs to your car in the event of an accident. Comprehensive is there to cover everything else.

Auto Insurance Discounts

Auto insurance discounts in North Dakota can maximize your savings. Some common discounts to look for include:

  • Multi-policy discounts
  • Good student discounts
  • Low mileage discounts
  • Electronic (paperless)
  • Safety features/Anti-theft devices
  • Long-term insured discount


Is car insurance expensive in North Dakota?

The average cost for car insurance in North Dakota is below the national average. It costs an average of $1,178 annually.

Does North Dakota require auto insurance?

North Dakota state law requires all vehicles to carry minimum insurance coverages. 

What car insurance is required in North Dakota?

North Dakota requires the minimum:

  • Bodily Injury: $25,000 per person and $50,000 per accident. 
  • Property Damage: $25,000 per accident. 
  • Uninsured Motorist: $25,000 per person and $50,000 per accident.

Is PIP required in ND?

Personal injury protection (PIP) is required in North Dakota. Drives need to have at least $30,000 in coverage for medical expenses.

Is North Dakota a no-fault insurance state?

North Dakota is a no-fault insurance state. Your own insurance covers losses when you’re injured in an accident, regardless of who caused it.

How To Purchase Car Insurance In North Dakota

Purchasing car insurance in North Dakota takes time. You must determine your vehicle’s coverage based on factors (make, model, year, mileage). Then, obtain multiple quotes across insurance companies to compare rates. Ask about discounts or other options to help save you money before making your final decision.