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North Dakota Low-Cost Auto Insurance & Minimum Requirements plus Best Insurer Options

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

Through research we found each of the carriers are able to offer quotes from 22% to 35% lower than the median rate for drivers of a similar profile.

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

Each carrier is able to offer quotes from 14% to 28% lower than the median rate for drivers in North Dakota.

In this article we are going to 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 rate table below.

Minimum Car Insurance Requirements in North Dakota

To help to keep insurance costs as low as practical and lower the frequency of court actions which are 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 and 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 occupants of the automobile.

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 rate table below.

Property Damage Liability

In the event 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 for year old driver find 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 a list of 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 are able to 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 are able to offer quotes up to 33% lower than the median rate.

This is dependent on location and driver history.

Other insurers you want to put 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 the age of 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 is able to 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
USAA$1,132$1,002$855$611$489$423
Allied$1,170$1,009$887$645$543$465
Nodak Mutual$1,187$1,054$909$708$568$490
GEICO$1,195$1,055$922$721$578$500
State Auto $1,293$1,078$921$765$580$498
State Farm$1,327$1,098$923$769$600$476
Allstate$1,400$1,124$929$780$609$489
Auto-Owners$1,419$1,176$933$795$622$510
Nationwide$1,432$1,200$965$805$632$511
American Family$1,457$1,202$986$808$633$532
Progressive$1,467$1,233$980$816$644$531
Travelers$1,519$1,239$1,004$818$645$548
EMC$1,523$1,276$1,054$818$651$560
MetLife$1,546$1,289$1,076$820$655$553
Liberty Mutual$1,637$1,300$1,098$823$675$557
North Star$1,678$1,311$1,128$834$700$580
Dairyland$1,737$1,376$1,187$844$702$586
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 in the amount of $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 the state of 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 collision such as theft, hail, or fire. It is know as “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 being 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 the amount of your car loan 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 Over 18 Months, & Complaints

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

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 is complied from reputable online sources.

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

North Dakota CompanyPremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Auto-Owners$14,231,218+2.2%04.3
North Star Mutual Company$10,534,760+2.5%04.1
Allied$7,269,643+2.3%03.8
Grinnell Mutual $8,127,759+2.5%03.8
AAA / Automobile Club$5,811,188+2.7%03.9
MetLife$5,688,047+2.7%03.9
Nationwide$3,314,800+2.2%04.0
Nodak Mutual Company$34,584,082+2.2%13.8
State Farm$62,022,182+2.5%24.3
USAA$21,137,924+2.7%14.6
Center Mutual Company$18,416,235+2.8%23.8
American Family$43,411,971+2.8%54.1
Progressive$67,704,586+2.2%84.3
QBE $39,028,246+2.6%53.9
Farmers$11,999,120+2.7%24.1
Country Financial $4,887,515+2.7%13.7
EMC $8,324,329+2.7%23.6
Allstate10,554,375+2.4%34.3
Safeco7,143,879+3.1%33.9
GEICO14,044,264+3.1%74.4
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 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 which may raise your premium.

You would want be sure to contact your insurer.

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

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

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Belfield$1,2111,013Grafton$1,2494,243Mandan$1,34121,382
Beulah$1,2513,393Gwinner$1,177853Manvel$1,365375
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
Drayton$1,276785Jamestown$1,20815,422Wahpeton$1,1287,899
Fordville$1,321204Lisbon$1,0652,145Williston$1,30426,977

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 are 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 any aged driver in Fargo.

Fargo Company30 Y/O Driver45 Y/O Driver55 Y/O Driver
USAA$812$612$460
Nodak Mutual$843$643$465
State Farm$890$655$468
Allied$954$668$480
State Auto $965$670$520
GEICO$980$732$525
Allstate$1,008$780$540

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

Formerly named Centralia, Fargo was founded in 1871 by William Fargo who was 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 museum of art 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 over $1,200.

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

Out of the 7 insurers queried, the most expensive is Allstate at $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
USAA$832$608$467
Nodak Mutual$847$632$448
Allied$887$654$498
State Farm$932$644$508
AAA$944$656$511
GEICO$969$708$543
Allstate$990$753$554

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

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

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 for a 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
USAA$765$600$450
Nodak Mutual$802$611$438
AAA$822$643$487
Allied$832$676$500
State Farm$890$703$510
GEICO$954$722$563
Allstate$987$765$564

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 the area as Les Grandes Fourches.

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

A steamboat captain named Alexander Griggs, 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.

Tourist 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
USAA$843$643$510
Nodak Mutual$845$656$532
Allstate$876$680$558
Allied$905$709$580
AAA$943$754$590
State Farm$955$767$600
GEICO$1,008$805$623

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 includes an art museum, a symphony orchestra, an opera company, a city band, several dance and theater troupes, and a youth concert organization.

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

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 biggest employer in the city, 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
USAA$816$609
Nodak Mutual$850$658
State Farm$903$676
Allied$948$723
State Auto $986$756
GEICO$1,003$789

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

It is the 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 then 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 respectfully.

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
USAA$798$597
State Farm$842$627
Nodak Mutual$871$687
Allied$900$699
State Auto $954$707
GEICO$988$723

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 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
WebsiteWebsiteWebsite
Conclusion

Now that you know about auto insurance quotes in North Dakota be sure to use the advanced comparison tool at the top of the page to get low quotes to possibly save you hundreds if not thousands of dollars over the next few years.

Sources

http://www.iii.org/issue-update/no-fault-auto-insurance

https://www.nd.gov/ndins/consumers/auto/

https://www.nd.gov/ndins

https://www.libertymutual.com

https://www.statefarm.com

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles 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 Google+ or Facebook Profile.

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