Cheapest Car Insurance In North Dakota For 2024

Getting cheap car insurance in North Dakota can be tough, but there are good options. American Family offers competitive prices and reliable service, with coverage ranging from basic to comprehensive.

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Written by Bob Phillips
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As the cost of living rises and plenty of choices are available, it’s crucial to get car insurance that fits your budget and needs. Whether you’re a new driver, a regular commuter, or a family looking to save on insurance costs, understanding what affects your premiums and where to find the best deals is essential. Based on over ten years of research on car insurance policies, I’ve gathered some insights to help you navigate this complex market.

This guide explores the specifics of car insurance in North Dakota, looks at what factors affect prices, and gives practical advice on getting affordable coverage without sacrificing protection. Let’s start this journey to savings and uncover strategies for getting the cheapest car insurance in California.

Cheapest Car Insurance Companies In North Dakota

Cheapest Car Insurance, North Dakota

Cheapest Car Insurance In North Dakota For Drivers With Poor Credit

Drivers in North Dakota with less-than-perfect credit can secure wallet-friendly insurance from Nationwide, starting at about $90 a month.

Provider Average Monthly Cost Average Annual Cost
Grinnell Mutual

$172

$2,062

State Farm

$182

$2,182

Allstate

$150

$1,798

Farmers

$135

$1,618

Nationwide

$90

$1,078

The price of car insurance is largely determined by your credit score, which aids insurance companies in evaluating the level of risk you pose. A lower credit score suggests a higher chance of making claims, which makes you a riskier client to insure.

In North Dakota, drivers with poor credit may encounter higher insurance premiums compared to those with good credit. Insurers often take into account credit history when calculating rates due to research indicating a link between credit score and claim likelihood. Individuals with poor credit may have difficulty finding affordable insurance options, but they can explore discounts and compare quotes from various insurers to secure better rates.

Cheapest Car Insurance In North Dakota For Good Drivers

In North Dakota, what you pay for car insurance depends on factors like your driving history, age, and the type of coverage you want. Typically, if you have a clean driving record with no accidents, you’ll likely pay lower premiums because insurers consider you less of a risk.

Furthermore, if you’ve consistently maintained a good driving record, you might qualify for additional discounts. It’s recommended for cautious drivers to shop around and compare quotes from various insurance providers to find the best coverage at the best price.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

American Family

$30

$358

GEICO

$60

$718

Progressive

$45

$538

Allstate

$90

$1,078

Cheapest Car Insurance In North Dakota For Minimum Coverage

In North Dakota, American Family offers the most affordable car insurance, with starting monthly premiums typically at $30, making it a popular choice for drivers seeking affordability.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

American Family

$30

$358

GEICO

$60

$718

Progressive

$45

$538

Allstate

$90

$1,078

In North Dakota, drivers are required to have a specific level of car insurance to legally operate their vehicles. This basic coverage usually consists of liability insurance, which has two primary components: bodily injury liability and property damage liability.

Bodily injury liability coverage assists in paying for medical expenses, rehabilitation costs, and potential legal fees if you cause an accident that injures someone else. Property damage liability coverage, on the other hand, helps with the costs of repairing or replacing another person’s vehicle or property if the accident is your fault.

The minimum coverage requirements in North Dakota are determined by state law and can vary depending on factors such as your vehicle type and driving record. It’s important to carefully review these requirements and ensure you have adequate coverage to meet legal standards and protect yourself financially in case of an accident.

 

Cheapest Car Insurance In North Dakota For Young Drivers

Car insurance tends to be more affordable for young adults than for teenagers in North Dakota. This is because as people age, they generally become more cautious drivers, leading to a decrease in accidents and insurance expenses. Insurance companies recognize this pattern and provide lower premiums to young adults who have a proven track record of safe driving.

Cheapest North Dakota Car Insurance For 16-Year-Olds

North Star Mutual’s  insurance deals are especially appealing to 16-year-olds, with rates averaging $215 monthly.

Provider Average Monthly Cost Average Annual Cost
American Family $262 $3,142
State Farm $265 $3,178
Grinnell Mutual $354 $4,246
North Star Mutual $215 $2,578
Auto-Owners $254 $3,046

Cheapest North Dakota Car Insurance For 17-Year-Olds

North Star Mutual’s  insurance rates are the most competitive for 17-year-olds, coming in at about $200 on average.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $238 $2,854
State Farm $245 $2,938
American Family $230 $2,758
North Star Mutual $200 $2,398
Nodak Insurance $236 $2,830

Cheapest North Dakota Car Insurance For 18-Year-Olds

USAA provides insurance deals designed for 18-year-olds, typically costing around $170 per month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $214 $2,566
State Farm $216 $2,590
American Family $202 $2,422
USAA $170 $2,038
North Star Mutual $200 $2,398

Cheapest North Dakota Car Insurance For 21-Year-Olds

USAA has the best prices for 21-year-olds, with an average monthly expenditure of $108.

Provider Average Monthly Cost Average Annual Cost
State Farm $152 $1,822
Auto-Owners $160 $1,918
North Star Mutual $165 $1,978
USAA $108 $1,294
American Family $126 $1,510

Cheapest Car Insurance In North Dakota For Seniors

American Family provides affordable insurance options tailored for the elderly residing in North Dakota, with an average starting cost of around $52 per month.

Provider Average Monthly Cost Average Annual Cost

Allstate

$122

$1,462

Progressive

$75

$898

State Farm

$79

$946

Farmers

$100

$1,198

American Family

$52

$622

Older adults may be eligible for lower car insurance premiums because they’re often seen as experienced and careful drivers, thus reducing the likelihood of accidents. Additionally, since many seniors drive less frequently, their risk of accidents and insurance claims is minimized.

Some insurance companies offer tailored discounts for senior drivers, taking into account factors such as age, driving habits, and completion of senior driver safety programs. Many insurers incentivize seniors to enroll in defensive driving courses by offering discounts after completing the course, with the aim of improving driving skills and fostering safer driving habits among older populations.

Cheapest Car Insurance In North Dakota For Full Coverage

American Family grants the most cost-effective deals for full car insurance coverage in North Dakota, beginning at about $50 per month on average.

Provider Average Monthly Cost Average Annual Cost

Allstate

$114

$1,366

State Farm

$87

$1,042

Farmers

$90

$1,078

American Family

$50

$598

Grinnell Mutual

$110

$1,318

North Dakota’s comprehensive auto insurance offers extensive protection for drivers and their vehicles. Apart from the required liability coverage, it includes collision and comprehensive insurance.

Collision coverage handles repair expenses for your vehicle post-accident, regardless of fault. Meanwhile, comprehensive coverage addresses damages from theft, vandalism, fire, or natural disasters. This insurance type provides assurance by ensuring broad financial protection in different scenarios, covering both your vehicle and others involved in an accident. However, it’s crucial to carefully examine your policy to understand coverage limits and deductibles for adequate protection.

Cheapest Car Insurance In North Dakota For Drivers With Prior Incidents

Securing cheap auto insurance in North Dakota can be challenging for individuals with a history of accidents, speeding tickets, or DUIs. These incidents classify them as high-risk drivers to insurance companies, increasing the likelihood of future claims.

This challenge is magnified in North Dakota due to the higher prevalence of traffic accidents. Insurers rely on data to determine premiums, recognizing a correlation between previous driving incidents and the likelihood of future claims.

Cheapest Car Insurance In North Dakota After A Speeding Ticket

Seeking affordable car insurance after a speeding ticket? State Farm offers coverage for about $120 on average, making it a top contender for budget-conscious drivers.

Provider Average Monthly Cost Average Annual Cost
Progressive $194 $2,326
Nodak $265 $3,178
State Farm $120 $1,438
Allstate $210 $2,518
American Family $190 $2,278

Cheapest Car Insurance In North Dakota After An At-Fault Accident

With a price tag of approximately $125, State Farm insurance stands as the top contender for drivers who’ve been in accidents they’re responsible for. It’s the most cost-efficient option for them.

Provider Average Monthly Cost Average Annual Cost
Farmers $290 $3,478
Allstate $250 $2,998
GEICO $310 $3,718
State Farm $125 $1,498
Progressive $200 $2,398

Cheapest Car Insurance In North Dakota For Drivers After A DUI

Progressive’s car insurance comes in at an average of $150, making it the most economical choice for DUI-afflicted drivers.

Provider Average Monthly Cost Average Annual Cost
Progressive $150 $1,798
GEICO $530 $6,358
American Family $250 $2,998
Nodak $305 $3,658
State Farm $390 $4,678
 

Average Cost Of Auto Insurance In North Dakota – By Age

Age Average Monthly Cost Average Annual Cost
16 $485 $5,818
17 $350 $4,198
18 $315 $3,778
19 $224 $2,686
21 $174 $2,086
25 $132 $1,582
30 $120 $1,438
40 $116 $1,390
50 $104 $1,246
55 $102 $1,222
65 $100 $1,198
75 $116 $1,390

Average Cost Of Car Insurance In North Dakota – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,100
Male Single $1,198
Female Married $1,100
Male Married $1,198

Average Cost Of Auto Insurance In North Dakota – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $104 $1,246
Good $108 $1,294
Poor $170 $2,038

Cheapest Car Insurance In North Dakota By City

City Average Monthly Cost Average Annual Cost
Minot $128 $1,534
Grafton $130 $1,558
Belcourt $134 $1,606
Beulah $138 $1,654
Hazen $138 $1,654

Minimum Car Insurance Requirements In North Dakota

North Dakota has specific car insurance requirements. It covers injuries and property damage in accidents. The standard is $25,000 for each person’s injury, $30,000 total for injuries in one accident, and $5,000 for property damage in one accident.

North Dakota also requires Personal Injury Protection (PIP). This helps with medical bills and lost wages after an accident, regardless of fault. It’s there to protect your finances.

Alternatively, you can choose “Health Insurance Primary” (HIP). This means your health insurance pays for accident-related medical costs first, instead of PIP. But not all health plans qualify for HIP, so check with your provider.

Car Insurance Discounts In North Dakota

When you’re in the market for car insurance, it’s wise to seek out companies that offer personalized discounts tailored to your individual needs. Speaking with your insurance agent can help you discover potential discounts you might not be taking advantage of. Most major car insurance companies typically offer these types of discounts:

  • Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for this discount.
  • Multi-Vehicle Discount: Insuring multiple vehicles under one policy often earns you a discount, which can be more economical than separate policies.
  • Bundling Discount: Many companies provide discounts to customers who bundle their car insurance with other policies like home or renters insurance.
  • Good Student Discount: Students who maintain good grades might be eligible for discounts on their car insurance.
  • Defensive Driving Course Discount: Completing a defensive driving course can qualify drivers for discounts on their premiums. These courses teach skills that help drivers avoid accidents and reduce risks on the road.
 

Our Methodology

During my research, I systematically collected and analyzed data on various car insurance companies and their products. I first identified essential aspects to consider, such as coverage options, pricing details, customer satisfaction levels, and insurers' financial stability. Then, I gathered information from credible sources like insurance company websites, consumer reviews, and industry reports.

After compiling the data, I structured it and assessed each insurance provider based on specific criteria, comparing factors such as coverage options, pricing models, available discounts, and customer opinions to determine the advantages and disadvantages of each company.

115

Quotes Analyzed

15+

Years Of Industry Experience

29

Brands Reviewed

35+

Research Hours

FAQs

How much is car insurance a month in North Dakota?

Auto insurance expenses in North Dakota could differ each month due to variables such as the policyholder’s age, driving track record, and the types of coverage they opt for.

What is the minimum car insurance one must have in North Dakota?

North Dakota law dictates that all car insurance plans must provide coverage for bodily injury and property damage, and they must include mandatory Personal Injury Protection (PIP) coverage.

Which insurance is better in North Dakota?

Choosing the optimal insurance company in North Dakota depends on individual preferences, driving habits, and insurance needs. It’s advisable to solicit quotes from several insurers to uncover the perfect fit for your unique circumstances.

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