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Car Insurance in North Dakota: 2026 Rates & Guide

North Dakota is one of the cheapest states for car insurance. The average driver pays $83/month ($996/year). Here's how to find the best rate for your situation.

$83

Avg Monthly

$996

Avg Annual

#46

Cost Rank (1=priciest)

$62

Cheapest Option/mo

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Cheapest Car Insurance Companies in North Dakota (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in North Dakota — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$62/mo4.5Get Quote
2
GEICO
$66/mo4.3Get Quote
3
Nodak Mutual
$58/mo4.5
4
Progressive
$74/mo4.1Get Quote
5
American Family
$60/mo4.4

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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North Dakota Car Insurance Requirements

Minimum Coverage: 25/50/25

North Dakota is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.

North Dakota Insurance Facts

North Dakota is a no-fault state and one of the least expensive in the US for car insurance.
Nodak Mutual is a top-rated North Dakota-based insurer offering competitive rates exclusively for ND residents.
Harsh winters with heavy snowfall and black ice significantly increase accident frequency from November through March.

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How to Get Cheaper Car Insurance in North Dakota

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in North Dakota — FAQs

What is the average cost of car insurance in North Dakota?
The average car insurance cost in North Dakota is $83 per month ($996 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in North Dakota?
North Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). North Dakota is a no-fault state, which means additional PIP coverage is also required.
Which company has the cheapest car insurance in North Dakota?
Based on our research, State Farm offers the lowest average rate in North Dakota at around $62/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is North Dakota a no-fault car insurance state?
Yes, North Dakota is a no-fault state. This means your own insurance covers your medical bills after an accident regardless of who was at fault. Personal Injury Protection (PIP) coverage is required.
How can I lower my car insurance in North Dakota?
The most effective ways to lower your car insurance in North Dakota include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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