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Get Cheap Car Insurance in North Dakota
We monitor insurance prices, helping the average driver in North Dakota save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in North Dakota
The chart below shows the cheapest car insurance company in North Dakota for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Midvale Home & Auto, American Family Insurance, and Auto-Owners Insurance.
| North Dakota Insurer | Monthly Cost |
|---|---|
| State Farm | $31 |
| Midvale Home & Auto | $31 |
| American Family Insurance | $32 |
| Auto-Owners Insurance | $35 |
Savings for Every Kind of North Dakota Driver
Based on our extensive insurance data, we know the average North Dakota driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $375 per year by choosing the right vehicle insurance company. Some North Dakota residents are paying out over $1,351 extra every year for auto insurance in North Dakota. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Dakota Savings / Yr. |
|---|---|
$375 |
|
$493 |
|
$346 |
|
$447 |
|
$1,070 |
|
$344 |
|
$422 |
North Dakota Car Insurance vs. the United States
People living in North Dakota pay an average of 5.03% less than the typical driver in the nation. The average driver in North Dakota can expect to pay about $468 per year, or $1,351 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in North Dakota for most people.
Car Insurance Prices by North Dakota Neighborhood
Insurance Prices
Where is insurance cheapest within North Dakota?
The map shows insurance prices in and around North Dakota, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $429 per year within the state boundaries, with insurance premiums ranging from a high of $1,692 to a low of $1,263. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of North Dakota.Pick the Best Car Insurance Company for You in North Dakota
The best car insurance provider for most drivers in North Dakota
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $375 over the average North Dakota car insurance company.
The best car insurance provider for North Dakota drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $493 over the competition.
The best car insurance company for North Dakota drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $346 better than other car insurance companies.
The best auto insurance for North Dakota drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $447 less each year.
The least expensive car insurance company for new and young drivers in North Dakota
In North Dakota, State Farm costs young drivers $1,070 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Dakota
State Farm gave the largest car insurance discounts to married couples, averaging $344 saved each year compared to an average North Dakota couple's premiums.
The cheapest car insurance in North Dakota for drivers with bad credit
The best North Dakota car insurance company for customer service
Nationwide was the best company for customer service in North Dakota according to the NAIC.
Recent price drops
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The cheapest large national provider in North Dakota
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average North Dakota driver can expect to pay about $91 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North Dakota, USAA has the best prices for drivers with a DUI conviction, married couples, good drivers, drivers with accidents, drivers with speeding tickets, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around North Dakota
What Influences the Cost of Car Insurance in North Dakota?
On average, car insurance in North Dakota is actually less expensive than the rest of the nation. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in North Dakota is 23 minutes, which is far less than average for a driver in the nation.
- North Dakota state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in North Dakota are among the highest in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- North Dakota is one of the most densely populated areas in the nation. The state’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in North Dakota is $39 per month for minimum coverage and $113 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- South Dakota: Insurance costs 34.49% more
- Minnesota: Insurance costs 27.39% more
- Nebraska: Insurance costs 0.44% more
- Wyoming: Insurance costs 20.50% more
- Iowa: Insurance costs 22.95% less
- Montana: Insurance costs 29.61% more
- Wisconsin: Insurance costs 35.60% less
- Colorado: Insurance costs 76.46% more
- Kansas: Insurance costs 21.02% more
- Illinois: Insurance costs 12.81% more
States with Similar Populations
- Arizona: Insurance costs 62.55% more
- Wyoming: Insurance costs 20.50% more
- Wisconsin: Insurance costs 35.60% less
- West Virginia: Insurance costs 14.43% more
- Washington: Insurance costs 2.59% less
- Virginia: Insurance costs 27.09% less
- Vermont: Insurance costs 26.50% less
- Utah: Insurance costs the same
- Texas: Insurance costs 88.60% more
- Louisiana: Insurance costs 348.41% more