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Car insurance in North Dakota

Get the cheapest car insurance in North Dakota for 2021

The average annual cost of car insurance in North Dakota is $1,350. Narrow down car insurers offering coverage in North Dakota by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

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North Dakota

Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Most popular North Dakota auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$67,26113.6%
American Family$43,6278.9%
Nodak Mutual$42,1688.6%
QBE Insurance$41,8438.5%
Grinnell Mutual$16,8363.4%
Center Mutual$15,4143.1%

Average car insurance costs in North Dakota

Drivers in this state can generally expect to pay right around the national average for their car insurance, which was in the ballpark of $1,250 to $1,350 annually in 2017. This works out to about $105 to $115 monthly. So if you’re older than 25 and there are no big issues on your driving record, this could be close to what you’ll pay for your coverage.

Location can play a large role in your car insurance rates, but admittedly it’s less evident in North Dakota than it would be in say, New York. The more expensive places in North Dakota to insure a car are cities like Fargo, because with city living comes an elevated risk of traffic accidents, theft, vandalism and other issues that commonly result in insurance claims. And as for the cheaper parts of North Dakota to get car insurance, look to the small towns and rural areas — the lower the population density, the cheaper it typically is to buy coverage.

Which city has the cheapest car insurance in North Dakota?

Of North Dakota’s largest cities, Grand Forks has the cheapest rates and Bismarck has the most expensive car insurance rates. Bismarck drivers could face rates 1.5 times more than Grand Forks drivers.

Car insurance quotes in Fargo

CompanyAnnual car insurance rate
21st Century$499

Car insurance quotes in Grand Forks

CompanyAnnual car insurance rate
21st Century$541

Car insurance quotes in Bismarck

CompanyAnnual car insurance rate
21st Century$492

Car insurance quotes in Minot

CompanyAnnual car insurance rate
21st Century$547

Car insurance quotes in West Fargo

CompanyAnnual car insurance rate
21st Century$519

Car insurance requirements in North Dakota

This state has a few minimum requirements when it comes to auto insurance coverage. So when you’re shopping for a policy, keep in mind that you must meet these standards to hit the road.

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist (UM/UIM) coverage: $25,000 per person / $50,000 per accident
  • Personal injury protection (PIP) coverage: $30,000 per person

You might sometimes see these requirements written as 25/50/25.

How do I get SR-22 insurance in North Dakota?

This is something your insurer will do for you once you let them know it’s being required by law. Typically when you have to file an SR-22 form in North Dakota, there’s a court order involved.

North Dakota Automobile Insurance Plan (NDAIP)

The North Dakota Automobile Insurance Plan can help high-risk drivers find minimum insurance coverage by assigning them to one of several area providers. All North Dakota car insurance companies are required to participate in the plan, so that every driver on the road is provided proper coverage. However, if you apply for coverage through the NDAIP, you can probably expect to pay more for your car insurance.

Bottom line

Since North Dakota requires you to carry car insurance and because you face financial and legal consequences if you don’t, your best route is to look for a conventional car insurance policy that works for you.

To learn more about these topics, from laws and regulations to finding the best values and policies out there, visit our comprehensive guide to car insurance.

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