Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in North Dakota
Jerry is a free app trusted by 1,253 North Dakota drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average North Dakota car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $381 a month for full coverage. But in North Dakota, Jerry drivers pay less:
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$54 to $94 per month for state-mandated minimum coverage.
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$103 to $156 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped North Dakotans save an average of $825 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your North Dakota car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in North Dakota have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
North Dakota homeowners deal with extreme winter weather, blizzards, and spring flooding, plus severe thunderstorms and hail during the summer months. Bundling home and auto insurance is a practical way to manage those insurance costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What North Dakota drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in North Dakota, shopping around helps you find the right fit.
That matters in North Dakota, where harsh winters, long rural highways, and wildlife encounters are all part of the driving experience. Fargo and Bismarck have their own traffic patterns, but most drivers in the state are covering real distance, and conditions can change fast. Jerry works with North Dakota drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 7 trusted insurers in the Peach Garden State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for North Dakota drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in North Dakota
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
North Dakota car insurance coverage requirements
Drivers in North Dakota are legally required to carry many forms of insurance coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured/underinsured bodily injury per person.
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$50,000 in uninsured/underinsured bodily injury per accident.
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$30,000 in personal injury protection (PIP).
While this is the minimum insurance you need to buy in North Dakota before you can legally drive, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that nearly 11% of North Dakota drivers are uninsured or underinsured, increasing your uninsured/underinsured motorist (UM/UIM) limits might also be wise.
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Coverage definitions
Factors affecting North Dakota car insurance rates in 2026
Winter storms and whiteouts
North Dakota winters are among the harshest in the country, and sudden whiteouts on open highways can turn a clear drive into a pileup fast. Consider keeping collision coverage active because that’s what covers your car after a winter crash, and set a deductible you can actually afford.
Deer and antelope collisions
Animal strikes are a real issue on rural roads, particularly at night and during seasonal migration. Comprehensive coverage typically pays for wildlife impacts, so it’s worth keeping if most of your driving happens outside town.
High-speed rural crash severity
Higher speed limits, long distances between exits and fewer nearby medical facilities mean crashes in North Dakota tend to be more severe and more expensive. Make sure your liability limits can handle a serious accident, not just the state minimum.
Uninsured drivers
About one in nine North Dakota drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Oil-industry traffic and heavy trucks
In areas with active energy development, more heavy trucks and worksite traffic raise the odds of serious collisions. Give larger vehicles extra space, stay out of blind spots and keep collision coverage active, because crashes involving commercial trucks tend to be more costly.
Prairie winds
Strong winds across open North Dakota roads can cause sudden handling problems, blowing snow and debris hazards. Slow down in gusty conditions, keep your tires in good shape and carry collision coverage so you’re protected when the weather turns on you.
Average cost of car insurance in major North Dakota cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $131 | |
| $119 | |
| $150 | |
| $140 | |
| $140 | |
| $116 | |
| $105 | |
| $176 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get North Dakota quotes in as little as 2 minutes.
Learn more about driving in North Dakota
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Understand how no-fault insurance works in North Dakota.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is North Dakota a no-fault state?
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Does North Dakota allow electronic proof of insurance?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.