Cheapest Insurance in North Dakota 2021

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  • Find cheapest car insurance North Dakota
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Due to its most-rural geography and low population, North Dakota is one of the least expensive states for car insurance.
But that doesn’t mean North Dakota drivers should forget about comparison shopping.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in North Dakota. If you want to learn more about North Dakota’s car insurance rates, then read on.
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Find the cheapest car insurance in North Dakota with Jerry

Using Jerry is the easiest (and fastest!) way to get multiple quotes to find the most affordable car insurance rates.
Here’s how much Jerry customers in North Dakota were paying for car insurance before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in North Dakota with Jerry

Insurance Company
Before Jerry
After Jerry
Metlife
$2,040$960
State Auto
$2,249$1,537
Nationwide$2,286$1,660
Safeco$3,415$1,713

Cheapest minimum coverage car insurance in North Dakota

In North Dakota, people who purchase car insurance are required to get the following minimum coverages:
  • $[25,000] bodily injury liability per person
  • $[50,000] bodily injury liability per accident
  • $[25,000] property damage liability per accident
Remember, the minimum insurance coverage is not a recommendation—it’s a requirement! It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in North Dakota:
Before Jerry
After Jerry
$2,040$960
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Additional coverages you might want to consider when shopping for car insurance in North Dakota

North Dakota drivers have to deal with high winds, hailstorms, and the challenges of navigating rural roads. Plus, about 8% of drivers in North Dakota are driving without insurance.
How is this relevant to your car insurance options?
If you get into an accident, your own minimum package will provide a certain level coverage. However, this amount may not be enough to actually cover the required repairs or medical expenses. When you consider the increasing cost of car repairs and the likelihood of being hit by an uninsured driver, it makes sense for North Dakota drivers to purchase additional coverage for extra protection.
Here’s an example. Medpay is a type of optional insurance that covers medical expenses for bodily injuries. If you’re worried about the costs associated with an expensive hospital trip from a rural accident, this is a great add-on. Uninsured/underinsured motorist coverage can help cover costs if the other party doesn’t have sufficient insurance.
To protect your financial stability to the maximum degree, consider increasing your policy limit above the minimum and purchasing additional coverage. The cost may be a bit higher—but peace of mind is priceless.
h(TableDoubleColumnManually, {
    head: {left: 'Risk factor', right: 'Coverage to consider'},
    rows: [
        {left: 'Uninsured drivers', right: 'Uninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.'},
        {left: 'Flash floods & landslides', right: 'Comprehensive insurance will cover physical damage to your car, including from a severe weather event like flash flooding or landslide.},
        {left: 'Roadside assistance', right: 'North Dakota  is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown. '},
    ]
})
North Dakota presents unique risks to drivers due to its rural status and proportion of uninsured drivers. Before purchasing car insurance, make sure to consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.

Best carriers for minimum coverage car insurance in North Dakota

It’s illegal to have a car insurance policy in North Dakota that does not meet the required minimums. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Jerry can help you find the best carriers for minimum car insurance so you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in North Dakota:
Insurance Company
Before Jerry
After Jerry

Cheapest full coverage car insurance in North Dakota

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Yes, you can expect to pay slightly more for full coverage insurance policies. However, the protection you get in return will be absolutely worth it.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,693$1,607
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Best carriers for full coverage car insurance in North Dakota

If you’re looking for the best insurance provider for full coverage insurance, comparing multiple quotes is the way to go.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in North Dakota:
Insurance Company
Before Jerry
After Jerry
State Auto
$1,308$1,044
Safeco$6,000$1,764
Nationwide$2,479$1,996
While minimum liability coverage is enough to let you drive legally in North Dakota, full coverage offers stronger protection and can provide peace of mind. Choose a company that offers the protection you need as well as service you can rely on.

Cost to insure your car in North Dakota by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in North Dakota, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural North Dakota or move to a city like Fargo—start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
21-24$2,550$1,730
25-34$2,038$1,525
35-44$2,138$1,203
45-54$1,800$1,354
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Cost of insurance for drivers in North Dakota with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In North Dakota, insurance companies can see all your traffic offenses within the last seven years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties.
But there’s good news! Jerry can help North Dakota drivers find great car insurance even with a blemish on their driving record.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,429$1,679
Careless Driving$2,508$1,236
Speeding under 15$2,472$1,266
Failure to Obey Traffic Sign$1,440$1,275
Other$2,976$1,767

Best carriers for drivers with infractions in North Dakota

Insurance Company
Before Jerry
After Jerry
Nationwide$2,196$1,425
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible for North Dakota drivers to find affordable insurance if they have a traffic violation on their record.
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Cost of insurance for young drivers in North Dakota with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Some offenses stay on your record for many years—way past the time you’d be considered a ‘young driver’.
Fortunately, Jerry can help young North Dakota drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,542$1,852
Other$2,976$1,767

Best carriers for young drivers with infractions in North Dakota

If you’re looking for the most affordable insurance for a young driver with a poor driving record in North Dakota, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
Nationwide$2,508$1,766
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
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Types of discounts that might be available to you in North Dakota

Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in North Dakota. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in North Dakota include:
Discount typeWho is eligible?
Bundling your policies Get your car and home policies from the same company and you could enjoy a reduced premium.
Go paperless By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.
Good student discountFull-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average.
Vehicle safety discountIf your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.
Telematics discountInstall a small, free device in your vehicle to track driving behavior, and you could be rewarded with a discount for safe driving. Check with your insurance company for more information. There’s usually a discount just for enrolling.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in North Dakota?

The most popular car in North Dakota is the Ford F-Series pickup. It makes sense that North Dakota drivers would appreciate a durable, modern truck that can handle both commuting and bad weather. If you drive this model in North Dakota, you’re likely to enjoy lower than average insurance rates.
If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what North Dakota drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Make / model
Before Jerry
After Jerry
Ford F250$1,074$588
Ford Explorer XLT$2,508$1,656
Nissan Sentra S$2,088$1,656
Volkswagen Golf Sportwagen Tdi S$2,400$1,320
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Cheapest car insurance in North Dakota by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Here are the cheapest cities for car insurance in North Dakota:

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

Browse questions from our car experts

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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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