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North Dakota Cheapest Car Insurance & Best Car Insurance Coverage

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Updated January 7th, 2021

Depending on the location you get quotes, the overall cheapest auto insurance companies in North Dakota are USAA, Allied, and Nodak Mutual.

We found each of the carriers can offer quotes from 22 to 35% lower than the median rate for drivers of a similar profile through research.

Other insurers you would want to be put on your list to get quotes would be GEICO, State Auto, and State Farm.

Each carrier can offer quotes from 14 to 28% lower than the drivers’ median rate in North Dakota.

This article will cover the minimum insurance requirements, low-cost carriers, and cost-saving strategies to help you find the most savings.

If you would like to skip to a portion of the article, there is a table of contents down a little and to the right for your convenience.

ND cheapest insurers for 25 year old.Note: On average, a 25-year-old driver can pay over $1,500 for an auto premium. The cheapest we queried are USAA, Allied, and Nodak Mutual, as illustrated. Each at $1,132, $1,170, and $1,187 respectfully for full coverage. For more detailed information, please see the rate table below.

Minimum Car Insurance Requirements in North Dakota

To help keep insurance costs as low as practical and lower the frequency of court actions currently being filed annually by drivers, North Dakota has changed into one of the country’s few no-fault states.

No-fault, known as Personal Injury Protection (PIP), is required. The basic coverage is for economic loss of medical expenses or loss of wages as a result of an accidental injury in the automobile without regard to who is “at-fault.”

CoverageNorth Dakota Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$100,000
Uninsured Motorist Coverage$25,000 / $50,000$100,000 / $300,000
Underinsured Motorist$25,000 / $50,000$100,000 / $300,000
Personal Injury Protection$30,000 limit$30,000 limit
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$250 deductible

Bodily Injury Liability

This coverage will pay for the doctor’s bill of the other vehicle’s occupants when the insured individual is revealed to be at-fault.

Under the minimum coverage, the insurer will pay up to $25,000 for a single person and $50,000 for all automobile occupants.

North Dakota lowest premium options for 30 year old.Note: As illustrated, the cheapest providers for a 30-year-old are USAA, Allied, and Nodak Mutual. Clustering between $1,002 (USAA) and $1,054 (Nodak Mutual) for full coverage. More details in the rate table below.

Property Damage Liability

If the insured individual is at fault for the accident, property damage liability will pay up to $25,000 for damages to public property, personal property, and the other vehicle involved when minimum coverage is held.

Low cost North Dakota quotes for 35 year old driver.Note: A 35-year-old driver finds quotes below $1,000 per year. The most inexpensive are USAA, Allied, and Nodak Mutual. Clustering between $855 and $909 for a full coverage premium.

Affordable Car Insurance Companies by Rate & Age

Below is 18 insurers in North Dakota with quotes for drivers from 25 to 55 years of age.

In our study, the cheapest insurer overall is USAA.

They can offer quotes up to 35% lower than the median rate for similar profile drivers.

Unfortunately, USAA offers coverage to former military and their spouses.

Allied and Nodak Mutual can offer quotes up to 33% lower than the median rate.

This is dependent on location and driver history.

You want to put other insurers on your list to get quotes are GEICO, State Auto, and State Farm.

Each carrier can offer quotes from 14 to 28% lower than the “mean” rate for drivers of similar age and profile.

For drivers under 30 with good driving history, GEICO and State Farm are very competitive.

For older drivers, they should put AAA on their list to get quotes.

AAA can offer competitive quotes against all the carriers discussed for drivers 50 years of age and older.

With a list of 7 competitive and low-cost carriers, you have a blend of national and local companies to help you find the most savings. 

Drivers under the age of 25 are not included since quotes can vary wildly.

North Dakota CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Nodak Mutual$1,187$1,054$909$708$568$490
State Auto $1,293$1,078$921$765$580$498
State Farm$1,327$1,098$923$769$600$476
American Family$1,457$1,202$986$808$633$532
Liberty Mutual$1,637$1,300$1,098$823$675$557
North Star$1,678$1,311$1,128$834$700$580
21st Century$1,769$1,476$1,201$902$709$590

Uninsured Motorist Protection

Since North Dakota has a fair amount of uninsured motorists, “uninsured/underinsured motorist” protection is required for $25,000 per person and $50,000 per accident.

UM, or uninsured motorist protection, provides cover for a bodily injury claim you have against another driver who does not have or has inadequate insurance.

40 year old cheapest premium choices in ND.Note: Two insurers are less than $700. USAA and Allied each at $611 and $645 for a 40-year-old driver.

Comprehensive, Collision, & Other Optional Coverage

In North Dakota, it is highly recommended to carry additional insurance since the state has harsh winter seasons and the possibility of hitting animals.

Comprehensive coverage provides damage to your vehicle caused by items other than collisions such as theft, hail, or fire. It is known as a “non-collision” cover.

Collision coverage provides physical damage to your vehicle that is caused by colliding with another vehicle or object. If you have this cover, it will pay no matter who is at fault.

ND inexpensive premium options for 45 year old.Note: As illustrated, quotes from each insurer are less than $600. USAA is the most affordable at $489 per year.

Other Optional Coverage in ND

  • Towing – Provides cover to reimburse for towing expenses in an emergency.

  • Death/Dismemberment – Provides accidental death and dismemberment cover.

  • Gap cover – Provides payment to the lending institution for the difference between your car loan amount and the actual “cash value” payment when your vehicle is lost or stolen.

North Dakota affordable premium choices for 55 year old.Note: A 55-year-old driver with good driving history should be able to find quotes lower than $500 per year. USAA, Allied, and Nodak Mutual are the lowest. Each at $423, $465, and $490 respectfully for an auto policy.

Average Amount of Coverage per Driver

  • Bodily Injury Liability – $100,000/$300,000

  • Property Damage Liability – $100,000

  • Uninsured Motorist Cover – $100,000/$300,000

  • Underinsured Motorist Cover – $100,000/$300,000

  • Personal Injury Protection – $30,000 limit

  • Comprehensive Cover – $250 deductible

  • Collision Cover – $500 deductible

Best Insurance Firms by Consumer Rating, Rate Change, & Complaints

Below is a list of top carriers in North Dakota by written premiums, rate change, complaints, and consumer ratings.

All carriers in the study have a low number of complaints.

The rate change is low for all carriers averaging 2.7%.

On the other hand, if you get a traffic violation, your premium can rise significantly.

Consumer rating data was compiled from reputable online sources.

Any other data is from III.org, AM Best, and JD Power & Associates.

North Dakota CompanyPremiumsRate Change # of ComplaintsConsumer Rating out of 5 Stars
North Star Mutual Company$10,534,760+2.5%04.1
Grinnell Mutual $8,127,759+2.5%03.8
AAA / Automobile Club$5,811,188+2.7%03.9
Nodak Mutual Company$34,584,082+2.2%13.8
State Farm$62,022,182+2.5%24.3
Center Mutual Company$18,416,235+2.8%23.8
American Family$43,411,971+2.8%54.1
QBE $39,028,246+2.6%53.9
Country Financial $4,887,515+2.7%13.7
EMC $8,324,329+2.7%23.6
State Auto5,439,612+2.8%34.0
Horace Mann3,099,370+2.9%23.9

The median cost of auto insurance in North Dakota for a one year term is just under $1,300.

Compared with the nation’s average of $1,580, the premiums in the state are reasonably low.

But car insurance rates can be tailored to fit your needs, and you never can tell how much you’re going to pay unless you start asking for quotes.

Insurance corporations will use a few different factors to ascertain how much risk you pose and how much you need to pay for coverage.

After you use our advance comparison tool at the top of the page, you want to be sure you discuss with our broker or agent all available discounts and options to get reduced-cost quotes for your vehicle.

Average Rate by City

Location is a significant factor for insurers to determine the cost of your auto premium.

Below is a list of 21 moderately populated cities across North Dakota with the average premium.

If perhaps your premium is higher than those listed below, you may either be a young driver, have traffic violations, or another contributing factor that may raise your premium.

You would want to be sure to contact your insurer.

Most carriers will tell you which factor has contributed to your high-cost premium.

If you would like a detailed comparison of the most populated cities in North Dakota, please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Carrington$1,2332,521Harvey$1,1211,779New Rockford$1,2021,390
Casselton$1,2122,072Hazen$1,1882,488Park River$1,1521,375
Devils Lake$1,1007,351Hillsboro$1,1771,580Valley City$1,0986,669

Fargo, ND

Fargo, ND lowest premium quotes for 30 and 55 year old drivers.

Fargo residents can find cheap car insurance if they know where to get quotes from.

The cheapest is USAA at $812, Nodak Mutual at $843, and State Farm at $890 for a 30-year-old driver.

Which is over $400 in savings compared to the citywide average of $1,321. Which equates to 24% lower.

A 45-year-old driver can find low rates with USAA, Nodak Mutual, and State Farm.

Each at $612, $643, and $655 respectfully. Over $600 lower than the mean rate in Fargo.

A 55-year-old can get very low rates with USAA at $460, Nodak Mutual at $465, and State Farm at $468.

All three clustered at the $460 mark for older drivers.

Allied and State Auto should definitely be considered for maximum savings and optimum coverage for Fargo’s aged driver.

Fargo Company30 Y/O Driver45 Y/O Driver55 Y/O Driver
Nodak Mutual$843$643$465
State Farm$890$655$468
State Auto $965$670$520

Fargo is the largest city in the state, with over 120,000 residents.

Formerly named Centralia, Fargo was founded in 1871 by William Fargo, the director of the Northern Pacific Railway, and established the Wells Fargo Express Company.

Today it is the center of retail, healthcare, manufacturing as well as education for the region. 

Fargo is home to the Plains Art Museum, which is recognized as the largest art museum in North Dakota.

Other notable attractions include the Reineke Arts Center, Fargo Civic Center, and the Fargo Air Museum.

Bismarck, ND

Bismarck, ND inexpensive premium options for 30 and 55 year old.

Getting cheaper auto insurance is fairly easy in Bismarck if you get quotes from USAA, Nodak Mutual, and Allied.

Each at $832, $847, and $887 respectfully for a 30-year-old driver.

Which is 27% lower than the average “mean” rate of $1,209.

For a 45-year-old driver, we found 5 insurers clustering between $608 and $656.

The cheapest is USAA at $608 for full coverage.

Nodak Mutual is $30 more at $632, and Allied is $654.

All more than 30% lower than the “mean” rate of over $1,200.

A 55-year-old can find rates below $500 with three insurers: USAA, Nodak Mutual, and Allied.

Out of the 7 insurers queried, Allstate’s most expensive is $990 for a 30-year-old, $753 for a 45-year-old, and $554 for a 55-year-old driver.

Bismarck Company30 Y/O Driver45 Y/O Driver55 Y/O Driver
Nodak Mutual$847$632$448
State Farm$932$644$508

Bismarck is the capital and the 2nd largest city in the state, with nearly 80,000 residents.

Named after German chancellor Otto Von Bismarck to entice German immigrants to move to town.

In the late 1800s and early part of the 19th century, the city had two devastating fires.

After the fires, Bismarck was rebuilt and prospered well into the 1950s.

Today, the city features a historic neighborhood known as the Cathedral District.

Primarily due to manufacturing, health care, and retail businesses, Bismarck is recognized as the economic nucleus of south-central North Dakota.

Notable events and attractions include the Lewis & Clark Riverboat, Sertoma Park, and the Bismarck Art and Galleries Association.

Grand Forks, ND

Grand Forks, ND cheapest quote choices for 30 and 55 year old.

The average rate in Grand Forks is $1,337 per year.

Affordable insurance is found with USAA, Nodak Mutual, and AAA.

Each at $765, $802, and $822 per year for a 30-year-old driver.

Which is about 35% lower than the “mean” rate.

A 45-year-old driver can get lower quotes with USAA ($600), Nodak Mutual ($611), and AAA ($643).

More than 50% lower than the average rate of Grand Forks.

For a 55-year-old, the best options are USAA, Nodak Mutual, and AAA.

All three insurers are less than $500 per year for full coverage.

Out of the 7 insurers, we queried for drivers in the city, the most expensive is Allstate at $987 for a 30-year-old, $765 for a 45-year-old, and $564 55-year-old.

Still well below the “mean” rate of $1,337 per year. 

Grand Forks Company30 Y/O Driver45 Y/O Driver55 Y/O Driver
Nodak Mutual$802$611$438
State Farm$890$703$510

Grand Forks is the 3rd largest city in the state, with nearly 60,000 residents.

It was originally an important trading and meeting point for Native American tribes.

Early fur trappers and French explorers referred to the area as Les Grandes Fourches.

The first post office of the area was established on June 15, 1870.

Alexander Griggs, a steamboat captain, who platted the city in 1875, is regarded as “The Father of Grand Forks.”

Less than 75 miles from Fargo, today, it is a vibrate northern city with cultural and eclectic arts.

Tourists can enjoy history by taking a trip to the North Dakota Museum of Art, the Myra Museum, or Heritage Village.

Popular festivals include the Grand Cities Art Fest, the Rhubarb Festival, and the Greater Grand Forks Fair and Exhibition.

The world’s largest french fry feed is held every year in Grand Forks during Potato Bowl USA.

Minot, ND

Minot, ND lowest premium options for 30 and 55 year old drivers.

To get the lowest premium rate start by getting quotes from USAA, Nodak Mutual, and Allstate.

Each at $843, $845, and $876 respectfully for a 30-year-old driver.

Or more than 30% lower than the citywide average rate of $1,365.

With a large military base, USAA would be the best choice for many, no matter their age.

We found 3 insurers less than $700 for a 45-year-old driver.

USAA, at $643, Nodak Mutual at $656, and Allstate at $680 for full coverage.

Nearly 50% lower than the “mean” rate of Minot.

For a 55-year-old, we found 5 insurers clustering between $500 and $600 per year.

USAA is the lowest at $510, followed by Nodak Mutual ($532) and Allstate ($558).

All more than 50% lower than the “mean” rate.

It would be smart for a 45 or 55-year-old to get quotes from Allied and AAA for the most savings and optimum coverage.

Minot Company30 Y/O Driver45 Y/O Driver55 Y/O Driver
Nodak Mutual$845$656$532
State Farm$955$767$600

Minot is the 4th largest city in North Dakota, with nearly 50,000 residents and over 80,000 in the micropolitan area. 

Minot’s arts and culture community include an art museum, a symphony orchestra, an opera company, a city band, several dance and theater troupes, and a youth concert organization.

Minot has been the host to the Norsk Høstfest, North America’s largest Scandinavian-American festival with a large Scandinavian population. 

Scandinavian Heritage Park is located in Minot.

Scandinavian Heritage Park features remembrances and replicas from each of the Scandinavian countries: Sweden, Norway, Denmark, Finland, and Iceland.

The city is known for Minot Air Force Base, the city’s biggest employer, followed by Trinity Health and the Minot Public School System.

West Fargo, ND

West Fargo low-cost policy options for 30 to 55 y/o drivers.

Drivers in West Fargo can get the cheapest quotes with USAA, Nodak Mutual, and State Farm.

Each queried at $816, $850, $903 per year for a 30-year-old driver.

Or approximately 26% lower than the median quote for similar age drivers.

Both Allied and State Auto offer quotes from 18 to 22% lower than the median rate.

Therefore all carriers illustrated should be on your list to get quotes.

A 45-year-old driver can find the lowest rates with USAA, Nodak Mutual, and State Farm.

Each queried at $609, $658, and $676 respectfully per year for full coverage.

Or over 24% lower than the “mean” quotes for similar age drivers.

Allied and State Auto offer low rates with quotes at $723 and $756, respectfully.

Which is more than 18% lower than the median rate.

West Fargo Company30 Y/O Driver45 Y/O Driver
Nodak Mutual$850$658
State Farm$903$676
State Auto $986$756

West Fargo is the 5th largest city in the state, with approximately 35,000 residents.

It is one of the fastest-growing cities.

It was founded in 1926 with less than 300 people.

Outdoor activities are abundant in West Fargo.

The city maintains 30 parks, bike paths, and numerous facilities.

Today, West Fargo has a warm, friendly, small-town atmosphere, complemented by metropolitan area advantages with nearby Fargo.

Williston, ND

Williston, ND cheap premium choices for drivers.

If you want to find the least expensive premium in Williston, start by getting quotes from USAA, State Farm, and Nodak Mutual.

Each queried at $798, $842, and $871 per year for a 30-year-old driver.

All three carriers are over 34% cheaper than the median quote of $1,301 per year.

Both Allied and State Auto are over 25% lower with quotes at $900 and $954.

A 45-year-old can find an affordable premium with USAA, State Farm, and Nodak Mutual.

Each queried at $597, $627, and $687 respectfully per year for full coverage.

Which is 31 to 36% lower than the “mean” quote for similar profile drivers.

Williston Company30 Y/O Driver45 Y/O Driver
State Farm$842$627
Nodak Mutual$871$687
State Auto $954$707

Williston, North Dakota, was founded in 1887 with less than 200 residents. 

The city was named in honor of Daniel Willis James, a board member of the Northern Pacific Railroad Company.

Today, Williston has had a rapid increase in population with approximately 26,000 residents.

The North Dakota Oil Boom is partly responsible for the increase in population. 

Williston lends its name to the Williston Basin, a huge subterranean geologic feature known for its rich deposits of petroleum, coal, and potash.

Experts claim the oil production capacity will trump Alaska’s Prudhoe Bay.

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
600 E Boulevard Ave, Bismarck, ND 58505
(701) 328-2440
608 E Boulevard Ave, Bismarck, ND 58505
(701) 328-2500
1600 2nd Ave SW, Minot, ND 58701
(701) 857-7624







Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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