- State minimum liability on average in North Dakota costs $47 a month or $567 a year. Full coverage auto policies costs around $193 a month or $2,318 a year in ND.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in North Dakota – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in North Dakota
- In North Dakota the cheapest car insurance companies on average are Nodak , State Farm and American Family Insurance. State minimum liability car insurance starts at $23 a month or $280 a year with Nodak. The cheapest full coverage car insurance starts at $143 a month or $1,722 a year with American Family Ins.
Here are the average policy rates from the cheapest local and national insurance providers in North Dakota from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Nodak | $280 | $23 | $4,056 | $338 |
| State Farm | $445 | $37 | $2,364 | $197 |
| American Family | $517 | $43 | $1,722 | $143 |
| North Star Mutual | $548 | $46 | $3,785 | $315 |
| Progressive | $627 | $52 | $3,630 | $303 |
Average Auto Insurance Costs for Popular ND Cities
| North Dakota City: | State Minimum: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Bismarck | $578 | $48 | $2,814 | $235 |
| Fargo | $567 | $47 | $2,318 | $193 |
| Grand Forks | $585 | $49 | $2,475 | $206 |
| Minot | $590 | $49 | $2,805 | $234 |
SEE OUR LIST OF POPULAR ND CITY COST GUIDES:
State Minimum Liability Coverage Amounts
If your vehicle is registered in the State of North Dakota, you must obtain insurance that covers you with state-mandated liability limits. Those minimums are as follows:
- $25,000 per person
- $50,000 bodily injury for each accident
- $25,000 for damage to another person’s property
- $25,000 uninsured driver liability
- $30,000 basic no-fault coverage
North Dakota law states that if you’re not covered for the liability minimums, it’s a Class B misdemeanor which will result in a $150 fine. If you become involved in an accident while underinsured, you may receive up to 14 penalty points.
You may opt for additional auto insurance coverage in North Dakota. These options include comprehensive and collision coverage, which go above and beyond the basic policy to protect your assets even more. Collision covers you if you strike another vehicle or an object, while comprehensive covers other events, such as fire or theft, or if you hit an animal (such as a deer) with your car.
How Credit Scores and DUIs Affect North Dakota Car Insurance Rates
A DUI conviction raises North Dakota car insurance rates by roughly 82-97%, adding about $90 per month on top of a clean-record driver’s premium and pushing the annual cost to around $3,028, plus a mandatory SR-22 filing.
Credit history is the single biggest cost lever in North Dakota — bigger than a DUI. Drivers with poor credit pay around $336 per month for full coverage, compared to roughly $85 per month for drivers with good credit — a gap of about $251/month, or over $3,000 a year. Improving your credit score before you shop is one of the fastest ways to lower your North Dakota premium.
North Dakota Car Insurance Rates by County
The average cost of car insurance in North Dakota varies between each driver. We provide a breakdown of the amount you can expect to pay on car insurance policy costs by county for vehicle types below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Adams | $820 | $629 | $866 | $656 | $809 |
| Barnes | $590 | $445 | $638 | $472 | $578 |
| Benson | $831 | $632 | $889 | $665 | $817 |
| Billings | $849 | $669 | $895 | $696 | $838 |
| Bottineau | $810 | $611 | $868 | $644 | $796 |
| Bowman | $902 | $711 | $948 | $738 | $891 |
| Burke | $925 | $709 | $991 | $746 | $910 |
| Burleigh | $658 | $503 | $705 | $530 | $646 |
| Cass | $590 | $445 | $638 | $472 | $578 |
| Cavalier | $781 | $595 | $833 | $625 | $769 |
Finding Auto Insurance Resources in North Dakota
The State of North Dakota recognizes that some drivers have difficulty obtaining insurance. If you have previous driving penalties that prevent you from obtaining insurance, you can receive state assistance. This assistance comes from the North Dakota Automobile Insurance Plan.
The NDAIP provides auto insurance to you if you cannot get a policy due to your driving history. If you meet the following requirements, you are eligible for the plan:
- You are a North Dakota resident
- Your vehicle is registered in North Dakota
- You have a North Dakota driver’s license
- You don’t have outstanding auto insurance premiums
If you have a problem with your auto insurance agent or insurance company, you can contact the North Dakota Insurance Department for advice.
Additional Tips
To obtain legal auto insurance in North Dakota, you must use a company that is licensed to insure drivers in the state. Don’t rely on a company to truthfully tell you whether it has these permissions. You can also get multiple free car insurance quotes from insuranceQuotes.com, so you be sure that you’re getting best deal on your insurance.
If you are a student, you may qualify for a discount on your auto insurance for good grades, typically a B average or above. Not all North Dakota auto insurance companies offer this, but some do. Students and adults may also receive a discount for:
- Installing anti-theft devices
- Having an accident-free driving history (typically for 3 to 5 years)
- Completing a defensive driving course
- Insuring multiple vehicles on a single policy
Moving to North Dakota: Important Information
If you’re moving to North Dakota, the North Dakota Department of Transportation has certain requirements for driving your vehicle there. Upon arriving in the state, you need to submit your existing title with your vehicle registration application. If there is an outstanding loan on your car, you must also send details of the loan and the bank.
If you are a driver from one of the following states or countries, you must pay an excise tax on your vehicle:
- Canada
- Alaska
- Delaware
- Montana
- New Hampshire
- Oregon
Understanding Driving Laws in North Dakota
In North Dakota, you can’t get a driving license if you are under the age of 16.
During the winter, driving becomes hazardous in many parts of North Dakota, which means the state authorities take necessary precautions to prevent you from injuring yourself. If you attempt to enter an area that is closed off due to weather conditions, you can incur a fine of $250 and receive four penalty points on your driving record.
It is not legal to drive while texting in North Dakota. If you choose to do this, you can face a fine of $100. The same rule applies to reading a message while driving.
If you drive with a blood alcohol content level (BAC) of 0.08 percent or more, you may face DUI charges. If you’re under 21, the legal BAC limit is 0.02 percent. Refusal to take a BAC test can result in a losing your license for up to 3 years, depending on how many times you are caught driving drunk.
Frequently Asked Questions About North Dakota Auto Insurance
1. Who has to file an SR22 financial responsibility listing?
Certain drivers must prove to the state that they are capable of meeting financial liability. These drivers are:
- People with a DUI on their driving record
- Drivers who have been suspended
- Drivers who refuse a chemical test (used determine the level of alcohol and drugs in your system) while driving
You need to prove you can cover state mandated financial liabilities if you fall into this category. This usually involves producing a valid auto insurance certificate.
2. Does the North Dakota Insurance Department set rates?
Although the North Dakota Insurance Department regulates rates, it does not set them. The state encourages competition among insurers, so as the consumer, your best option is to shop around.
3. Does North Dakota offer insurance premium reduction courses?
The North Dakota Highway Patrol offers a list of approved auto insurance premium reduction courses. This includes both classroom based and online courses.
How to Get Great Rates on North Dakota Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
How much is car insurance in North Dakota per month?
Car insurance in North Dakota averages approximately $27 per month for minimum coverage and $103 per month for full coverage in 2026, making North Dakota the second most affordable state for car insurance in the country. North Dakota’s extraordinarily low rates reflect its very small population, vast rural geography, and low traffic density. State Farm is the cheapest major carrier in North Dakota. Progressive and GEICO are competitive alternatives. North Dakota’s 25/50/25 minimum requirements are standard, and the state’s affordable rate environment means drivers can upgrade to meaningful coverage limits without significant cost.
Who has the cheapest car insurance in North Dakota?
State Farm is consistently the most affordable car insurance carrier in North Dakota for most driver profiles, with minimum coverage from approximately $20 per month. Progressive and GEICO are competitive at $22 to $25 per month for minimum coverage. North Dakota Farm Bureau Insurance is an agent-only option worth requesting in rural Cass, Burleigh, and Grand Forks county markets. USAA is available for military families and veterans at Minot Air Force Base, home of the 5th Bomb Wing, and Grand Forks Air Force Base. North Dakota’s affordable rate environment makes even full coverage accessible at approximately $103 per month statewide.
What are North Dakota’s minimum car insurance requirements?
North Dakota requires minimum liability coverage of 25/50/25 — $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 in property damage liability. North Dakota is a no-fault state requiring Basic No-Fault (BNF) coverage of $30,000 per person — one of the higher mandatory no-fault requirements of any state. The BNF coverage pays your own medical bills and lost wages after any accident regardless of fault. North Dakota also requires uninsured and underinsured motorist coverage at matching liability limits — one of a smaller group of states that mandates both UM and UIM.
Is comprehensive coverage especially important in North Dakota?
Yes — comprehensive coverage is essential for North Dakota drivers for multiple reasons. North Dakota experiences some of the most severe winter weather in the continental United States, with blizzard conditions, ice storms, and temperatures dropping below minus 40°F creating regular vehicle damage. Spring hailstorms across the northern plains are common and can cause significant vehicle damage across Fargo, Bismarck, and rural North Dakota communities simultaneously. Deer collision risk is significant throughout rural North Dakota during fall months. All of these events — winter storm damage, hail, and wildlife strikes — are comprehensive claims only. At $15 to $25 per month in North Dakota given the state’s low base rates, comprehensive is one of the clearest insurance values available.
How do North Dakota car insurance rates compare to Fargo versus rural areas?
Fargo and Cass County carry North Dakota’s highest car insurance rates due to the state’s greatest traffic density on I-29, I-94, and the Fargo-Moorhead metro area. Bismarck, the capital, falls near the state average. Grand Forks and Minot run slightly below the state average. Rural North Dakota — which represents the vast majority of the state’s geography — offers some of the lowest car insurance rates of any location in the United States. The rate difference between Fargo and a small rural North Dakota community can be $15 to $25 per month for identical coverage. North Dakota’s extraordinary affordability makes it one of the best states in the country for overall insurance costs.
How much does a DUI raise car insurance rates in North Dakota?
A DUI conviction raises North Dakota car insurance rates by roughly 82-97%, adding about $90 per month on top of a clean-record driver’s premium and pushing the annual cost to around $3,028, plus a mandatory SR-22 filing.
How does credit score affect car insurance rates in North Dakota?
Credit is the single biggest cost lever in North Dakota — bigger than a DUI. Drivers with poor credit pay around $336 per month for full coverage, compared to roughly $85 per month for drivers with good credit — a gap of over $3,000 a year.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
