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Compare Best Cheap Car Insurance Quotes in North Dakota, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of basic liability car insurance in North Dakota is $1,277 per year. Opting for full-coverage car insurance in North Dakota will leave you with an average cost of $1,773 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

Compare the best car insurance quotes in North Dakota

Remember, the average premiums shown above are just that—averages. Your own quotes might be higher or lower depending on your profile and coverage level. Poor credit, a car accident, or even your ZIP code could cause your rate to go up, while a clean driving record and low coverage limits can keep it low.
See for yourself how North Dakota drivers found savings with Jerry.
Quote DateCar
Before Jerry
After Jerry
CityNameAgeInsurance Company
March 19, 2023Toyota Camry L$400/mo.$262/mo.WhitevilleCaleb F.23Dairyland
March 17, 2023Volkswagen Jetta S$370/mo.$161/mo.MurfreesboroRuby C.24Progressive
March 16, 2023Nissan Kicks S$215/mo.$130/mo.NashvilleEstelle Y.37Progressive
March 16, 2023Toyota Corolla Eco$87/mo.$72/mo.NashvilleMabelle M.26National General
March 10, 2023Audi A4 Premium$260/mo.$208/mo.MaryvilleNoah W.23Progressive

Best car insurance companies in North Dakota

Plenty of affordable car insurance companies offer competitive rates to North Dakota drivers—but which one is the best?
The answer’s a little different for everyone. Some drivers will find the best rates with companies like USAA, State Farm, and GEICO, but not everyone qualifies for the same rate. Car insurance premiums are highly personalized, and every company uses a different methodology to calculate them, meaning that something as small as your credit score or marital status could affect the annual premium you get from each company.
The only way to find the best insurance company for you in North Dakota is to compare rates from multiple insurers.
Compare the average premiums Jerry users found with different auto insurance companies below.
Insurance Company
Average Cost
Annual Savings with Jerry
National General$2,406$782
State Auto$2,438$507
Compare Prices

North Dakota car insurance FAQs

In general, average annual premiums for car insurance in North Dakota run well below the national average, making it one of the least expensive states for car insurance.
Yes. All car owners in North Dakota are required by law to carry the following minimum levels of auto insurance:
- Bodily injury: $25,000 per person and $50,000 per accident. 
- Property damage: $25,000 per accident. 
- Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident
- Personal injury protection: $30,000
North Dakota law requires all drivers to carry the following minimum levels of auto insurance:
- Bodily injury: $25,000 per person and $50,000 per accident. 
- Property damage: $25,000 per accident. 
- Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident
- Personal injury protection: $30,000
Yes, North Dakota is a no-fault state.
Yes. Like many US states, North Dakota prohibits text messaging, emailing, and instant messaging while driving, making it a “hands-free” state.
No. North Dakota requires drivers to display both front and rear license plates when operating a motor vehicle.

How much does car insurance cost in North Dakota?

The annual cost of auto insurance in North Dakota is well below the national average. There are a couple of factors responsible for this: first, North Dakota has a very low population density at just 10 people per square mile, meaning that car accidents are less frequent than in other states. The state also has a fairly low percentage of uninsured drivers.
But while North Dakota’s average car insurance rates are low, coverage isn’t cheap for everyone in the 701. Bad credit or an accident on your record could cause your premiums to spike, and your age and gender also matter.

North Dakota car insurance requirements

The graph below compares the cost of three essential types of insurance for North Dakota drivers: liability coverage, collision coverage, and comprehensive coverage.
Before you can hit the road in North Dakota, you’ll need to have proof of insurance that includes a minimum of $25,000 per person/$50,000 per accident for bodily injury liability, $25,000 per accident for property damage liability, and $25,000 per person and $50,000 per accident of uninsured motorist coverage. Lastly, North Dakota requires a minimum of $30,000 for personal injury protection.
If that sounds like a lot of coverage for state minimums, there’s a reason: North Dakota is a no-fault state, meaning that all drivers must have auto insurance that can cover their medical bills in the event of an accident. That’s where your UIM and PIP coverage come in—but if you only carry minimum coverage, you’ll be on the hook for your own vehicle repairs. That’s why experts recommend buying a so-called “full coverage policy” with both comprehensive and collision insurance, which cover damage to your vehicle.
Want to see if you can afford it? Take a look at the graph below for the average annual rates North Dakota drivers pay for this coverage.

Cheapest car insurance with a DUI or speeding ticket in North Dakota

Auto insurance premiums go up when a violation or accident is added to your record—and drivers with multiple points on their license are often labeled “high risk.”
Getting cheap auto insurance with a spotty record isn’t impossible in North Dakota, but it is challenging. Here's what people with imperfect driving records paid for car insurance when they used Jerry.
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,982$603
Leaving scene of an Accident/Hit and Run$2,122$1,259
Careless Driving$3,565$1,144
Illegal Turn$3,307$1,135
Racing/Drag Racing$3,448$1,106
Defective Equipment$3,494$1,062
Driving on Sus. License$2,360$1,037
Failure to Obey Traffic Sign$2,499$848
Wrong Way/Wrong Lane$1,698$821
Insurance Cost With a DUI in North Dakota
If you get a DUI in North Dakota, you can expect your car insurance to increase by an average of $53.58 per month.
Read North Dakota DUI Information:
Insurance Cost With a Reckless Driving Citation in North Dakota
If you have a reckless driving citation, you should expect your insurance to increase to an average of $65.66 per month.
Read Tennessee Reckless Driving Information:

North Dakota auto insurance rates by age

Another major category of high-risk drivers who pay more for car insurance in North Dakota? Young drivers, especially anyone under 25 years old.
Teen drivers pay some of the highest rates, since statistics show they’re more prone to accidents and violations due to a lack of experience. You’ll start to see those premiums dip over time, with a major decrease after age 25—but until then, it’s important to shop around with multiple insurance providers and build good credit and a clean driving record to find the best rates.
The average American family will have to add a teen to their auto insurance at least once. Looking for the cheapest auto insurance coverage options for your age bracket? Check out the table below to see how much drivers of different ages saved with Jerry.
How can young drivers save money on car insurance in North Dakota?
  • North Dakota does not have a graduated licensing program, but restrictions are in place to help new drivers learn while minimizing risk
  • Demonstrating safe driving habits using a telematics device can help young drivers secure lower rates
  • Maintaining a good average can qualify student drivers for a good student discount

North Dakota car insurance rates by city

Where you live in North Dakota can affect your annual rate.
Fargo car insurance costs are some of the highest in the state. It’s North Dakota’s biggest city, meaning that there are more drivers on the road, and harsh winter storms also pose a risk to drivers. Bismarck car insurance costs are much lower by comparison, even though it’s the state capital.
Use the features below to compare costs in your area with the rest of the state.
Average Cost
Annual Savings with Jerry
Johnson City$1,844$711
Least Expensive Cities in North Dakota
Conversely, Lisbon, North Dakota has the cheapest city for car insurance in North Dakota. Drivers in Lisbon can expect average rates of $581 per year.
City with Highest Rates of Accidents in North Dakota
Fargo has the highest accident rates in North Dakota, as 10.57% of drivers in Fargo already have a prior at-fault accident on their record. Factors such as an at-fault accident on your driving record can influence your insurance rates.
Read North Dakota Accident Information:
Cities With the Longest Commute Times in North Dakota
At an average 23.2 minutes, Lincoln, North Dakota has the highest commute time in the state. Longer commutes mean more miles on your vehicle and increased risk of accidents—both of which raise your insurance rates.
Read Commuting Insurance Information:

Average cost of car insurance in North Dakota by vehicle type

What you drive matters as much to insurance companies as where you live. Ford F-150 insurance costs are low because repairs for this popular pickup are so affordable—but if you own a luxury vehicle, a sedan, or a car with a reputation for lots of accidents or risky driving (say, an off-road or performance vehicle), you’re likely to see higher rates.
Check out the boxes below to see how your ride could impact your rate.
Average Cost
Annual Savings with Jerry
Hyundai Sonata SE$2,380$943
Nissan Altima 2.5$2,085$720
Chevrolet Impala LT$1,994$650
Ford Fusion SE$1,945$633
Honda Civic LX$1,541$539
Most Popular Car in North Dakota
The most popular vehicle in North Dakota is the Ford F-150. On average, F-150 drivers pay $2,110 a year in car insurance- $504 lower than the average annual cost to insure a Ford. F-150 owners can save money on their car insurance expenses with car insurance savings app Jerry.
Read more about your Ford F-150:

Do you need more than minimum coverage in North Dakota?

Yes, it’s a good idea to go beyond minimum liability insurance in North Dakota.
In North Dakota, drivers need $25,000 per person / $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability. The state also requires drivers to have $150 per week with a $30,000 maximum for personal injury protection, and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV, so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Yes, North Dakota is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Because North Dakota is a no-fault state, minimum coverage will give you better protection than in most states—at least for your medical bills. With PIP and UIM coverage, you won’t need to go through a protected, miserable process to get coverage for hospital bills if you’re in an at-fault accident with an underinsured motorist. But UIM coverage won’t pay for damages to your vehicle, and neither will your liability coverage.
Unless your car is worth less than $4,000, experts recommend going beyond state minimums to purchase a full coverage car insurance policy which includes collision insurance and comprehensive coverage. Learn more about these coverage options—and other add-ons worth considering—below.
North Dakota ranks 1st for traffic and infrastructure. Due to low amounts of traffic and better road conditions, it’s less likely that you’ll be involved in an accident on North Dakota’s roads. In any case, it is better for you and your vehicle to be protected with collision coverage for necessary car repairs if you end up in a collision.
2,074 North Dakota vehicles were stolen in 2020, making North Dakota the 9th state for lowest vehicle theft rate. The only way to cover a stolen vehicle is with comprehensive coverage.
In North Dakota, 13% of drivers are uninsured. Getting uninsured/underinsured motorist coverage covers you and your vehicle if you’re in an accident with an uninsured driver.
Read information about uninsured drivers:
North Dakota drivers rank their roads a 10/10. With long and isolated roads, it’s a good idea to get roadside assistance in case of a bad situation that can leave you stranded.

How to get cheap car insurance in North Dakota

Just because North Dakota’s average insurance rates are lower than in other states doesn’t mean you can’t still save. To reduce the amount you pay to keep your car covered, use the strategies below.

Shop around for quotes

Overpaying for car insurance is easier than you might think. Getting quotes from car insurance companies is so time-consuming that most people will only compare a few before settling on a policy. But with so many auto insurance companies out there and so many factors impacting your premium, you could be leaving money on the table if you do that.
Try using a car insurance comparison tool, so you don't have to get quotes from every insurance company individually.

Look for discounts

Stacking car insurance discounts could save you a bundle of money—seriously. But most insurance companies don’t clearly advertise all the discounts they offer, so you might not realize how many you’re eligible for. Check out some common discounts below:
Clean Driving Record Discounts
People with clean driving records don’t make claims as often and are less likely to be in an accident. Because of this, insurance companies will give drivers with clean driving records discounted rates.
Bundling Discounts
Customers who bundle multiple kinds of insurance, such as car, home, and renters, are eligible for bundling discounts.
Defensive Driving Discounts
According to state law, North Dakota drivers age 50+ get an insurance discount for completing an approved defensive driving course.
Marital Discount
Married drivers are statistically less likely to be in an accident. If you’re a married driver, you could get discounted insurance rates.

Increase your deductible

If your policy includes collision or comprehensive insurance, you have a deductible that you must pay out of pocket before your insurance kicks in on a claim.
In most cases, that deductible is either $500 or $1,000, but raising it is an easy way to lower your monthly costs. Just be careful not to choose a deductible that’s more than you could realistically pay in the event of an accident.

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