How to find the cheapest car insurance quotes in North Dakota
No single car insurance provider offers the cheapest rates for everyone—that’s why it pays to shop around for cheap auto insurance quotes online and compare your options.
Jerry makes shopping for car insurance in North Dakota faster and easier than ever. In an instant, you can start comparing quotes from top providers to find the right level of coverage at the best available price.
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Insurance Company
|
Monthly Quote
|
Customer
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Bristol West | $120 | Mason, 23, Fargo, ND | Toyota Camry L | State Minimum | Yes |
| The General | $122 | Nicholas, 40, Williston, ND | Chevrolet Equinox Lt | State Minimum | No |
| The General | $139 | Victoria, 28, Fargo, ND | Chevrolet Equinox Ltz | State Minimum | No |
| The General | $97 | Samuel, 32, Minot, ND | Jeep Grand Cherokee Lared | State Minimum | No |
| Bristol West | $162 | Blake, 35, Grand Forks, ND | Cadillac Xt5 Luxury | 50/100 | Yes |
Cheapest car insurance companies in North Dakota
To find out which car insurance providers offer the cheapest premiums in North Dakota, Jerry conducted the nation’s largest insurance shopping survey.
The conclusion? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.
The results: There’s no across-the-board “best” or “cheapest” car insurance provider—which makes sense, considering each one has its own methodology to determine rates.
National General, Progressive, and Travelers are all popular among North Dakota drivers—but the right provider for you depends on your coverage needs and what you’re looking for in a provider.
Just as important as a great rate is customer satisfaction. Here’s what car insurance customers have had to say about their experiences with different providers.
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Progressive | November 1, 2024 | 4 | “No issues or complaints “ -Jason |
| Progressive | October 25, 2024 | 5 | “Switched to Progressive and was able to immediately reduce my car insurance by $30+ for the same coverage. Great cust…(read more)” -Anthony |
| Safeco | October 21, 2024 | 3 | “I need quotes now please “ -Tillie |
| State Farm | October 20, 2024 | 4 | “Not the best service but customer service has been great and I do enjoy the roadside assistance, even though I have u…(read more)” -Sarah |
| Progressive | October 19, 2024 | 4 | “Everything has been fine until they raised my premium without notice. I haven’t used the insurance, and have not had …(read more)” -Alice |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The best—and fastest—way to compare car insurance quotes: Use a car insurance comparison app or website—like Jerry.
As a licensed insurance broker app, Jerry allows you to quickly and easily find and compare car insurance quotes online. With the help of 100+ licensed insurance agents, Jerry can even help you switch to your new policy and cancel your old one.
Minimum car insurance requirements for liability and full coverage in North Dakota
Most states require that drivers carry a minimum amount of liability coverage—and that includes North Dakota. North Dakota drivers must also carry uninsured/underinsured motorist coverage and personal injury protection (PIP).
Cheapest minimum liability coverage in North Dakota
Before you can legally take to the streets of North Dakota, you’ll need to have a car insurance policy that satisfies the state’s minimum requirements:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist coverage / underinsured motorist coverage: $25,000 per person, $50,000 per accident
- Basic no-fault coverage (a.k.a. personal injury protection): $30,000 per person
These coverage limits are commonly referred to as 25/50/25.
Jerry helps drivers find quotes for affordable car insurance that meets North Dakota’s car insurance laws.
Do you need more than the minimum liability insurance coverage in North Dakota?
Most drivers will benefit from additional car insurance coverage in North Dakota.
That’s because more severe accidents could easily exceed the coverage limits of a minimum liability policy.
Plus, none of the required coverage types mentioned above will cover damages to your own vehicle—which could put you in a difficult financial situation if it’s totaled.
Even if you decide you don’t need full coverage, choosing higher limits can offer you better financial protection after an accident.
Cheapest full coverage North Dakota auto insurance quotes
Unlike a minimum liability policy, a full-coverage car insurance policy—which includes both comprehensive coverage and collision coverage—will pay for damage to your own vehicle under a wide range of circumstances, such as crashes, severe weather, theft, and vandalism.
Keep in mind: If are financing or leasing your car, lenders typically require that you carry full coverage insurance for the life of your loan or lease.
Luckily, Jerry makes it easy to find an affordable full-coverage car insurance policy in North Dakota.
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Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Bristol West | $120 | Mason, 23, Fargo, ND | Toyota Camry L |
| State Minimum | No | The General | $122 | Nicholas, 40, Williston, ND | Chevrolet Equinox Lt |
| State Minimum | No | The General | $139 | Victoria, 28, Fargo, ND | Chevrolet Equinox Ltz |
| State Minimum | No | The General | $97 | Samuel, 32, Minot, ND | Jeep Grand Cherokee Lared |
| 50/100 | Yes | Bristol West | $162 | Blake, 35, Grand Forks, ND | Cadillac Xt5 Luxury |
Average rates for minimum liability coverage and full coverage car insurance in North Dakota
In North Dakota, we’ve found that the average rate for minimum liability coverage is $119 per month or $1,433per year. The average cost for full coverage insurance in North Dakota is $131 per month or $1,576per year, according to Jerry’s data.
Remember: Your actual auto insurance coverage costs will depend on a variety of factors unique to your driver profile, including your driving record, vehicle type, claims history, demographics, and the coverage level you choose.
North Dakota car insurance: Additional coverages
In addition to collision and comprehensive coverage, there are plenty of other car insurance coverage options in North Dakota to consider, including:
- Towing and labor
- Rental reimbursement coverage
- New car replacement coverage
If you have a car loan: Gap insurance is worth considering if it’s not already required. If your car is totaled and your loan balance is higher than the actual value of your vehicle, this coverage will help pay for the difference.
Learn more: Types of insurance
Car insurance premium by rating factors
Every auto insurance company in North Dakota has its own methodology to calculate your car insurance rate. They’ll evaluate factors like:
- Your driving record: You can generally expect to pay more for car insurance if you have accidents or violations on your North Dakota driving record. Good drivers with clean records should find lower rates.
- Your claims history: Drivers who have filed insurance claims in the past are considered statistically more likely to file claims again.
- Where you live: Your ZIP code—even within the same city—can have a big impact on your rates due to factors like accidents, crime, and severe weather risks in your area.
- Your credit score: In many states, including North Dakota, a strong credit history could help you secure a less expensive car insurance premium.
- What kind of vehicle you drive: Collision and comprehensive coverage generally cost more for newer, luxury, and sports cars.
How to find cheap North Dakota car insurance if you’re a high-risk driver
Your driving record helps give insurers a sense of your habits as a driver. If you have a series of violations on your record, you can expect to pay steeper rates for car insurance.
Cheapest car insurance for North Dakota drivers with a speeding ticket
Not all speeding violations are the same; after all, driving 20 mph over the speed limit is more serious than 6 mph over the speed limit.
While having a speeding ticket on your record will usually leave you with a more expensive premium, shopping around for auto insurance quotes can still help you find the best rates for your situation.
Jerry has helped drivers with tickets find cheaper rates on car insurance—even with tickets on their records!
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 1-5 | Bristol West | $144 | Minerva, 27, Fargo, ND | State Minimum | No |
| Speeding Violation-Major | The General | $236 | Ricardo, 41, Fargo, ND | State Minimum | Yes |
| Speeding Violation-Minor | The General | $390 | Bessie, 34, Williston, ND | State Minimum | Yes |
| Speeding 6-10 | The General | $127 | Johnny, 33, Fargo, ND | State Minimum | No |
| Speeding 6-10 | The General | $215 | Jim, 40, Wahpeton, ND | State Minimum | Yes |
How to find cheap North Dakota auto insurance after a DUI
DUI violations result in some of the steepest car insurance rate increases. That said, seeking out multiple quotes can help you save as much as possible.
Compare quotes on the Jerry app to find the lowest rate on car insurance after a DUI in North Dakota.
North Dakota SR-22 insurance
After a serious violation like a DUI, high-risk drivers may be required to file an SR-22 certificate in North Dakota.
An SR-22 is filed on your behalf by your insurance provider to confirm you have car insurance coverage that meets North Dakota’s minimum requirements.
You might also need to file an SR-22 for:
- Getting into an accident without insurance
- Felony convictions involving a motor vehicle
Cheapest North Dakota auto Insurance after an at-fault accident
Yet another major factor that will affect your North Dakota insurance premium is your accident or claims history.
Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $254 | Jeremy, 33, Fargo, ND | 50/100 | Yes |
| At Fault With No Injury | Bristol West | $74 | Augusta, 34, Jamestown, ND | State Minimum | No |
| At Fault With No Injury | The General | $127 | Johnny, 33, Fargo, ND | State Minimum | No |
| At Fault With No Injury | Bristol West | $67 | Amanda, 43, Fargo, ND | State Minimum | No |
| At Fault With No Injury | The General | $111 | Emilie, 31, Wahpeton, ND | State Minimum | No |
Cheapest auto insurance after other violations in North Dakota
Yet another major factor that will affect your North Dakota insurance premium is your accident or claims history.
Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Major | The General | $122 | Nicholas, 40, Williston, ND | State Minimum | No |
| Other Minor | The General | $139 | Victoria, 28, Fargo, ND | State Minimum | No |
| Other Minor | Bristol West | $109 | Nellie, 27, Minot, ND | State Minimum | Yes |
| Following too Closely | Bristol West | $195 | Polly, 36, Grand Forks, ND | State Minimum | Yes |
| Suspension | Bristol West | $92 | Inez, 41, Minot, ND | State Minimum | No |
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Is North Dakota an at-fault state?
Cheapest North Dakota auto insurance based on insurance history
Your insurance history can also have an impact on your current car insurance rate. For example, if you had a lapse in insurance coverage, you might have a more expensive premium than you would otherwise.
Good news: Jerry sends customers payment reminders to help avoid missed or late payments, and ultimately, lapses in coverage.
But even if you have experienced a coverage lapse, you might still be able to find savings by shopping around.
Cheapest car insurance for drivers with poor credit
In North Dakota, insurance companies are allowed to consider your credit history when determining your car insurance rate. Drivers with poor credit are statistically more likely to file insurance claims and often see higher rates as a result.
On the flip side, drivers with good credit will find it easier to get lower rates.
Our data shows that drivers with credit scores of 750 or higher see insurance costs that are almost 20% lower than the average cost for drivers with credit scores of 550 or lower.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | The General | $122 | Nicholas, 40, Williston, ND | Chevrolet Equinox Lt | State Minimum | No |
| 660-750 | The General | $97 | Samuel, 32, Minot, ND | Jeep Grand Cherokee Lared | State Minimum | No |
| 660-750 | Bristol West | $162 | Blake, 35, Grand Forks, ND | Cadillac Xt5 Luxury | 50/100 | Yes |
| 550-659 | Bristol West | $67 | Landon, 46, Abercrombie, ND | Kia Sorento Lx | State Minimum | No |
| 550-659 | Bristol West | $144 | Minerva, 27, Fargo, ND | Dodge Charger R/T | State Minimum | No |
Cheapest North Dakota car insurance by age
Age plays a significant role in determining the cost of your car insurance premium.
Young drivers see some of the highest rates due to a lack of experience on the road (so far). Fortunately, by age 25, rates gradually start decreasing for safe drivers. Car insurance for seniors tends to rise around age 75.
Cheapest North Dakota car insurance for young drivers
Teen drivers aged 16 to 19 will have the highest average insurance costs in North Dakota.
Because teen drivers are statistically more likely to get into accidents, full coverage is worth consideration—especially for those driving newer vehicles.
Learn more: The best cheap car insurance for teens
Cheapest North Dakota car insurance for senior drivers
Car insurance rates generally start to rise again when drivers reach their mid-70s.
How to find car insurance discounts in North Dakota for your motor vehicle
The vehicle you own also affects what you pay for car insurance. Insurers will look at your vehicle’s make and model, its age, its safety features, and its potential repair and replacement costs.
The most popular car models in North Dakota include:
- Ford F-150
- GMC Sierra
- Chevrolet Equinox
- Ram 1500
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Chevrolet Equinox Lt | The General | $122 | Nicholas, 40, Williston, ND | State Minimum | No |
| Chevrolet Equinox Ltz | The General | $139 | Victoria, 28, Fargo, ND | State Minimum | No |
| Chevrolet Equinox Lt | Bristol West | $195 | Polly, 36, Grand Forks, ND | State Minimum | Yes |
| Ford F-150 | The General | $248 | Charlotte, 19, Jamestown, ND | State Minimum | No |
| Gmc Sierra K1500 Sle | The General | $73 | Lula, 30, Thompson, ND | State Minimum | No |
Is it cheaper to insure a new car or a used car?
New cars are typically more expensive to insure than older cars.
The average annual premium for a car older than 10 years old is $1,402 per year in North Dakota. The average cost for insuring a car less than 4 years old is about $2,158 per year.
How to find cheap car insurance in North Dakota in your city
Where you live is one of the many factors car insurance providers will look at when determining the cost of your premium.
Your area’s population density, local accident rates, crime rates, and risks for severe weather can all affect your car insurance costs. But in many cases, you can save if you’re able to keep your vehicle in a locked garage where it’s better protected from the elements and potential theft.
Here’s what Jerry drivers pay for car insurance in various locations throughout North Dakota.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Fargo, ND | Mason | Bristol West | $120 | Toyota Camry L | State Minimum | Yes |
| Williston, ND | Nicholas | The General | $122 | Chevrolet Equinox Lt | State Minimum | No |
| Fargo, ND | Victoria | The General | $139 | Chevrolet Equinox Ltz | State Minimum | No |
| Minot, ND | Samuel | The General | $97 | Jeep Grand Cherokee Lared | State Minimum | No |
| Grand Forks, ND | Blake | Bristol West | $162 | Cadillac Xt5 Luxury | 50/100 | Yes |
How to lower the cost of car insurance in North Dakota
Courtesy of Jerry’s team of licensed insurance agents, here are several ways you can cut down on your car insurance costs:
- Shop around and compare quotes from multiple insurance providers.
- Find out which car insurance discounts you are eligible for—like good student discounts, safe driving discounts, and low mileage discounts.
- Bundle your car insurance with homeowners insurance or renters insurance to get a discount.
- Raise your comprehensive and collision coverage deductibles if it makes sense for your situation.
- Take steps to boost your credit score.
- Take an approved defensive driving course—many providers will reward you with a discount.
- Consider dropping collision and comprehensive coverage on older or low-value cars.
Why is car insurance so expensive in North Dakota?
There are plenty of factors outside your control that can affect your North Dakota insurance costs.
North Dakota drivers tend to have more reasonable insurance rates compared to drivers in many other states—still, here are some reasons your car insurance might seem expensive in North Dakota:
- Expensive healthcare: When the cost of medical care goes up, so does the cost of car insurance claims that involve injuries.
- Rising vehicle repair costs: Inflation has made the cost of car parts and repair services more expensive in North Dakota, like much of the country. When repairs are more expensive, insurance companies have to pay out higher amounts for each claim.
- Rate of car thefts: Car theft has steadily increased in North Dakota in recent years. According to F.B.I. crime data, the auto theft rate in 2020 was 271 vehicles per 100,000 people, compared to just 143.9 vehicles in 2011.
FAQ
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How much is car insurance in North Dakota?
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Do you need insurance to register a car in North Dakota?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
