Best Cheap North Dakota Car Insurance

Want to save money on your car insurance? Find and compare free custom quotes here.

North Dakota is a true treasure, with its historic sites, gorgeous natural parks and everything in between.

It’s tempting to take a long, luxurious drive through the Peace Garden state — but be sure you’ve got the right North Dakota car insurance first. Which companies can truly help you stay safe and protected on the road? Here’s what you need to know. 

Get Car Insurance Quotes
Tip: Compare 2-3 companies.

Best Car Insurance in North Dakota:

North Dakota Car Insurance Overview

Every car insurance company sets its rates according to a specific formula — which isn’t made public. Each car insurance company is concerned most about risk and evaluates risk using a variety of factors.

Some of these factors are factors that you can change, and others are beyond your control. The factors beyond your control only change your insurance rates slightly, but are still worth keying into.

The factors you can change include:

  • Your insurance credit score: This score is a snapshot of your financial responsibility. As you pay your bills on time, pay more than what you owe on your credit card and don’t keep a lot of credit cards open or owe them, your credit score will naturally go up over time. Insurers reason that you’ll pay your insurance rates on time if you’re financially responsible.
  • Your driving record: You’ll pay less for your car insurance if you have a clean driving record compared to someone who has citations for speeding, not wearing a seat belt, or worse — drunk driving.
  • The make and model of your car: Newer, sportier cars tend to be driven faster and drivers pay more for car insurance than you would if you drove a mid-size vehicle. 

Others are factors that you cannot control, yet play a small role in how much you’ll pay for car insurance:

  • Your age: You’ll pay more for insurance if you’re a teenager because of your lack of driving experience.  Or if you are a senior citizen because your response time isn’t what it used to be.
  • Your gender: Younger men generally pay an average of 4% more for their insurance than women.

These factors aside, it’s against the law to drive without car insurance in North Dakota. North Dakota is a no-fault state, which means that insurance will pay your injury claims up to a certain amount regardless of who is at fault. In exchange for this no-fault system, you waive some of your rights to sue for damages. 

North Dakota Insurance Minimum Explained

Although these are the bare minimum amounts of car insurance needed in North Dakota, you’ll want to carry more since you cannot realistically anticipate all of the costs in an automobile accident, whether you were at fault or not. 

Bodily injury 

When you’re at fault for an accident and other people are injured, the bodily injury part of an insurance policy comes into play. These are the medical coverage minimums paid to the other party in the event they need medical care from injuries sustained as a result of your negligence.

  • $25,000 per person: The total amount that would be paid toward the medical costs of each person in the other party if they were injured in an accident.
  • $50,000 per accident: The total amount that would be paid overall based on an accident that you caused.

Property damage liability

Property damage covers the other party’s vehicle in the event that you are found at-fault for the accident. It does not, however, cover your vehicle. That is covered under collision insurance. North Dakota does not require you to carry collision coverage but it is still a good idea to add it to help cover yourself from financial loss.

  • $25,000 per accident: The total that would be paid to help restore the property that was damaged as a result of an accident you caused.

Uninsured motorist bodily injury

In North Dakota, uninsured or underinsured motorist coverage protects losses where another driver is at fault where the driver has either no insurance or inadequate insurance coverage. The rates are the same as those under bodily injury per person and bodily injury for all persons per accident. 

North Dakota also pays $150 per week or $30,000 maximum for basic personal injury protection.

North Dakota Driving Laws

Certain driving laws are in effect so that drivers avoid distractions, stay safe and avoid consequences if they get behind the wheel while under the influence of drugs or alcohol. These driving laws also help keep North Dakota car insurance prices low.

Cell Phone Use

It’s illegal to use a wireless device to compose, read or send email in North Dakota. Texting while driving or even stopped temporarily is not allowed. However, there are several exceptions: You can operate hands-free or voice-activated systems to obtain emergency assistance, initiate or enter text to receive a phone call or use a GPS system. 

Seat Belt Use

Drivers and front seat passengers in North Dakota must wear seat belts but cannot be ticketed for it unless you’re stopped for another traffic violation first. Anyone under 18 must be properly restrained, no matter where they’re sitting in the vehicle. 

Drinking and Driving Laws

It’s against the law for anyone to drive or attempt to drive a motor vehicle in North Dakota while under the influence of alcohol, drugs, intoxicants or any combination with a blood alcohol concentration (BAC) level of .08% or greater. The fines for first offenders are between $500–$1,500, plus court costs. 

Insurance Rates per Vehicle

Are you a North Dakota resident on the hunt for cheap car insurance? Since the make and model of the vehicle you drive affects your insurance, it’s important to consider how insurers determine the rates you pay. 

What Makes a Specific Car Expensive to Insure?

Insurers generally look at the horsepower of a car. The higher the horsepower, the more likely that the car can be driven recklessly. Sportier cars and foreign-made cars tend to be more expensive to insure because the parts are specific and may need to be imported. Larger vehicles like SUVs can also be expensive because of the amount of property damage they can cause in an accident.

Insurance Rates by Insurance Credit Score in ND

One of the best ways to lower your car insurance is to raise your credit score. Take a look at the table below to see how much more you’ll pay with a poor credit score compared to an excellent score. 

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300–579State Farm$2,141
Fair 580–669USAA$1,890
Good 670–739Progressive$1,467
Excellent 740+Root$1,292

Insurance for Drivers with a Clean Record in North Dakota

A clean driving record without any infractions or tickets is another method savvy drivers use to pay less for their car insurance.

Insurance AgencyState Minimum InsuranceStandard CoverageFull Coverage
Cincinnati Insurance Co.$1,156$1,602$2,476

Insurance in North Dakota with Driving Infractions

The nature of any driving violations and their severity determine how much you might pay for insurance. For example, a DUI on their record pays substantially more than getting a speeding ticket.

Insurance Agency At-Fault Accident Speed Violation DUI
California Casualty$2,261$1,772$5,747
Country Financial$2,044$1,455$6,048

4 Best Insurance Providers in North Dakota

The best insurance providers in North Dakota will depend heavily on your car insurance needs, your budget and the factors noted above.

Benzinga did the heavy lifting for you to help determine who offers the cheapest insurance, who’s the best for multiple cars on one policy and much more. 

SR-22 Insurance
Online Purchase
  • More welcoming to less-experienced drivers
  • Great website and mobile app functionality
  • Driving based discounts can be generous
  • Relatively smaller agent network may leave some without a local agent
  • Rates can increase at renewal based on driving data from Progressive’s Snapshot.

1. Cheapest Car Insurance in North Dakota: Progressive

Unlike many car insurance companies who promise the cheapest car insurance, Progressive encourages users to shop around.

Its Name Your Price® option allows you to base your quote around what you can afford.

Its Coverage Checker® also helps highlight areas where you may have too much or too little coverage so you can be certain that you have the right amount of insurance for your needs and budget. 

SR-22 Insurance
Online Purchase

2. Car Insurance in North Dakota For Multiple Cars: State Farm

Whether you’re a married couple driving 2 cars or you’ve got a teenager in the house, it’s a smart idea to put multiple vehicles on a single policy.

You’ll not only get a discount by putting all 3 vehicles on a single policy, you’ll also pay a lower premium than if each car had its own separate insurance policy. 

3. Best Premium Car Insurance in North Dakota: State Farm

Luxury cars can have high insurance costs, not just because the car itself is pricier, but also because it can become a target for theft or vandalism.

However, State Farm stands above the rest for its ability to provide a solid insurance quote for premium car insurance in addition to saving money based on car use. 

SR-22 Insurance
Online Purchase
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

4. Best Car Insurance for Military Families: USAA

USAA promotes itself as an insurer for military families and extended family members.

You may also be eligible to enroll as a USAA member if you have a spouse or a parent who served in the military, and if you are able to enroll successfully, your children will also have the opportunity to do so. 

Choosing the Right Car Insurance in North Dakota

There is no universal “right car insurance.” The best way to get the right car insurance is to get an individual quote from each insurer that fits your needs. You may pay even less than the prices noted here, depending on your individual situation. 

Frequently Asked Questions


1) Q: By law, what types of car insurance do I have to have?

1) Q: By law, what types of car insurance do I have to have?

All states require you to carry liability insurance on your vehicle. Your state may require additional auto insurance coverage. Limits are expressed:
Amount for injuries per person/amount for injuries total per accident/amount for property damage per accident.


2) Q: Is there any way I can lower my insurance premiums?

2) Q: Is there any way I can lower my insurance premiums?

You can often get a lower premium by maintaining coverage without any gaps in coverage. You can also lower your premium with discounts. Bundling your products is another way to lower your car insurance premiums. Get a customized quote to see if you can lower your premiums. 


3) Q: How do I bundle my car insurance with another policy, and should I?

3) Q: How do I bundle my car insurance with another policy, and should I?

An agent can help you bundle your car insurance with another policy. You can get a discount on your premium by bundling your home and auto together, for example.


*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.