Key Takeaways
- Bristol West and Safeco offer some of the cheapest car insurance in North Dakota.
- The average cost of minimum coverage in North Dakota is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in North Dakota.
You may find cheap car insurance in North Dakota from providers like Bristol West and Safeco. These companies are among the most affordable in the state, according to real quotes for Jerry customers.
Below are other affordable car insurance options for minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in North Dakota, compare car insurance quotes from multiple insurers.
Cheap minimum coverage in North Dakota
Minimum coverage auto insurance in North Dakota offers an affordable way to meet legal requirements while avoiding unnecessary extras. These policies handle third-party injury and damage expenses, but your own vehicle isn’t included in the plan. It’s a common option for drivers with reliable older cars or limited driving frequency.
Here are the most affordable insurers in North Dakota for minimum coverage policies, according to real car insurance quotes for Jerry customers. Comparing multiple policies helps North Dakota drivers secure the best price for their needs.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $67 | $802 |
| Safeco | $82 | $983 |
| Bristol West | $82 | $984 |
| Dairyland | $115 | $1,379 |
| Trexis | $120 | $1,444 |
| The General | $122 | $1,459 |
| Progressive | $156 | $1,874 |
| ROOT | $158 | $1,897 |
Minimum car insurance requirements in North Dakota
North Dakota’s minimum car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured/underinsured bodily injury per person.
- $50,000 in uninsured/underinsured bodily injury per accident.
- $30,000 in personal injury protection (PIP).
Cheap full coverage car insurance in North Dakota
Finding cheap full coverage auto insurance in North Dakota means getting protection that matches the risk of local driving conditions. Full coverage often includes liability, collision and comprehensive — covering issues such as icy road, wildlife collisions, traffic accidents and theft — giving you peace of mind in unpredictable situations. This type of coverage is essential for cars that would be costly to replace.
These are the cheapest car insurance companies in North Dakota for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $151 | $1,816 |
| Clearcover | $163 | $1,958 |
| ROOT | $203 | $2,440 |
| Bristol West | $210 | $2,515 |
| Progressive | $281 | $3,374 |
| The General | $285 | $3,424 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in North Dakota
Auto insurers in North Dakota consider young drivers a greater liability because of their minimal driving experience. Premiums remain elevated until a strong record of safe driving is established but youthful drivers in North Dakota should check for good student discounts and low-mileage rate adjustments.
Below are the average costs of car insurance in North Dakota for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $295 | $3,542 |
| 21-24 | $239 | $2,872 |
Average auto insurance costs for mature drivers in North Dakota (25-54)
In North Dakota, experienced drivers are often given lower rates because their track record suggests fewer incidents. Time spent driving in varied weather conditions helps sharpen road judgment and insurance providers reward this predictability with discounted premiums.
Below are the average costs of car insurance for drivers in North Dakota between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $169 | $2,024 |
| 35-44 | $135 | $1,620 |
| 45-54 | $139 | $1,670 |
Cheapest liability car insurance in North Dakota for a 35-year-old
In North Dakota, a 35-year-old may choose liability-only insurance if they’ve driven the same car for years and kept a clean record. They might feel comfortable skipping full coverage, especially if the car has limited value and it’s a straightforward way to stay compliant with state law.
These are the cheapest car insurance companies in North Dakota for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $129 | $1,546 |
| Bristol West | $136 | $1,629 |
| Progressive | $136 | $1,636 |
Cheapest full coverage in North Dakota for a 35-year-old
A 35-year-old may find full coverage especially helpful if they need to protect a high value car or want the peace of mind of complete coverage. Full coverage also limits out-of-pocket costs when dealing with common seasonal hazards and traffic related incidents. This makes full coverage a practical option for everyday driving.
These are the cheapest car insurance companies in North Dakota for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $174 | $2,086 |
| ROOT | $175 | $2,105 |
| Aspire Advantage | $189 | $2,265 |
| The General | $263 | $3,157 |
Average car insurance costs for older drivers in North Dakota (55+)
In North Dakota, aging drivers might encounter higher premiums due to concerns about reaction times and other age-related issues. Sparse traffic doesn’t always mean fewer risks, especially when vision or coordination start to decline. Insurance providers adjust rates accordingly to anticipate potential hazards as these changes reflect practical shifts in driving capability over time.
Below are the average costs of car insurance for drivers in North Dakota 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $117 | $1,398 |
| 65+ | $132 | $1,590 |
Cheapest car insurance in North Dakota by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in North Dakota
A clean record in North Dakota positions you as a low-risk driver to insurance providers. It shows you consistently follow laws and avoid dangerous situations and this can lead to more favorable premiums and smoother application processes. It’s a simple but powerful advantage.
Here are the most affordable insurers in North Dakota for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $51 | $617 |
| Bristol West | $109 | $1,312 |
| Trexis | $120 | $1,444 |
| Dairyland | $135 | $1,615 |
| Safeco | $151 | $1,817 |
Cheapest car insurance with a speeding ticket in North Dakota
Receiving a speeding ticket in North Dakota can affect how insurers rate your policy. Speeding is viewed as risky behavior that could lead to claims and even minor violations are recorded and factored into pricing.
Here are the most affordable insurers in North Dakota for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $56 | $669 |
| Safeco | $109 | $1,311 |
| Bristol West | $184 | $2,212 |
| ROOT | $217 | $2,601 |
| The General | $228 | $2,737 |
Cheapest car insurance after an at-fault accident with no injury in North Dakota
At-fault accidents in North Dakota are still important to your insurance profile, even if there are no injuries involved. Property damage claims and administrative costs make these events significant and they may lead to policy revisions or increased premiums.
Below are the cheapest auto insurers in North Dakota for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $56 | $669 |
| Progressive | $136 | $1,636 |
| The General | $175 | $2,102 |
| ROOT | $210 | $2,522 |
| Bristol West | $223 | $2,673 |
Average auto insurance costs for North Dakota drivers with other violations
Other violations in North Dakota, like failing to obey road signs or improper lane use, contribute to your risk status too. These incidents show a pattern insurers take seriously and the more violations on your record, the harder it is to get preferred rates.
Below are average car insurance costs in North Dakota for other driving violations and citations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $118 | $1,419 |
| Cell Phone | $130 | $1,565 |
| Driving on Sus. License | $70 | $837 |
| Failure to Obey Traffic Sign | $187 | $2,241 |
| Other | $146 | $1,747 |
Cheapest auto insurance for low credit scores in North Dakota
In North Dakota, financial responsibility is one factor in determining car insurance rates. A lower credit score may be seen as a potential risk marker and it can influence how your policy is priced.
Below are the most affordable insurers in North Dakota for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $56 | $669 |
| Safeco | $95 | $1,138 |
| Aspire Advantage | $119 | $1,423 |
| Progressive | $136 | $1,636 |
| Bristol West | $152 | $1,825 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in North Dakota
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
Learn more: Best car insurance companies
Factors that affect car insurance costs in North Dakota
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
