Auto Insurance in North Dakota

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Drivers in North Dakota pay a significant amount less than the national average for car insurance rates, but the specific rate drivers pay depends on considerations including their address and demographic data. That’s why it’s important that you get quotes from multiple insurers when you select your car insurance provider.

North Dakota

Population: 739,482
North Dakota
US Average

North Dakota became a state in 1889 and has the railroad to thank for boosting its population numbers; Fargo and Bismarck are its top two population centers. The state borders Canada and several U.S. states. Its climate varies, but all areas experience four seasons. The state undergoes below-freezing temperatures and blizzards in the winter, and it’s also southern enough to get tornadoes in the summer. The weather poses certain risks to drivers, and state law requires that drivers carry liability insurance, uninsured/underinsured motorist coverage, and no-fault insurance. Comprehensive coverage is not required, but it can protect you in dangerous weather.

North Dakota Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

North Dakota’s minimum liability coverage lags behind the recommended minimum of 50/100/50. These numbers mean you have $50,000 per-person coverage, $100,000 per accident and bodily injury coverage, and $50,000 in coverage for property damage. The figures for North Dakota are 25/50/25, and when the ideal coverage level of 100/300/100 is factored in, North Dakota falls even more behind.

In 2013, the average bodily injury claim equaled $15,443. While North Dakota’s minimum coverage requirements provide for this amount, the number is only an average. Half of the claims cost more than that, and paying the difference can mean you’re responsible for tens of thousands of dollars, or even more.

To boost your chances of getting the best coverage, shop for quotes from multiple car insurance companies. Compare the rates and coverage levels each company provides. The rates can be drastically different because each insurer has a different way of looking at your profile. Comparison shopping takes some time, but it usually pays off.

Cheapest Car Insurance in North Dakota

Yearly Rate

  • $1,130
    American Family
  • $1,988
    National Farmers Union P&C
  • $929
    State Farm
  • $778
    Nodak Mutual
  • $1,229

If you desire low-cost auto insurance, the companies here are good choices. Our research shows that these insurers offered cheap rates.

To be sure, inexpensive premium payments are an obvious benefit to picking a company like this, but there could be trade-offs. For example, the process may be less intimate, with customer service not as efficient and claims being harder to reimburse. If you’re not a frequent driver or aren’t affected by those possibilities, then a low-cost insurer could be for you.

Where is car insurance most affordable?

The specific car insurance rate that you pay depends on considerations such as your driving history, address, and other factors.

North Dakota drivers pay a little more than the national average, with drivers in Bismarck paying a smidgen more than the state average, and drivers in Fargo paying a bit less.

Car insurance in other areas of North Dakota can diverge considerably from the state average, so if you live outside of Bismarck or Fargo, look at quotes from multiple companies to see how they stack up compared with the national and state average.

Bismarck Auto Insurance

Population: 67,034
North Dakota

Bismarck, straddling Interstate 94 in the southern part of North Dakota, has a population of about 67,000, and is the state capital. Extreme storms are rare, but winters can be snowy and windy, with below-freezing temperatures. The Capital Area Transit System runs public buses through the Bismarck area, but residents tend to depend on driving to get around. Be sure to shop with multiple car insurers because different carriers analyze your data differently.

Fargo Auto Insurance

Population: 113,658
North Dakota

Fargo, on the North Dakota border with Minnesota, boasts a population of about 114,000. Interstates 29 and 94 run through the area, and winter weather is a definite hazard. In 2011, Fargo earned the dubious honor of being The Weather Channel’s toughest weather city due to floods, extreme cold, and blizzards. Temperatures fall to or below 0 degrees Fahrenheit about 43 nights a year. Despite the winter weather hazards, Fargo drivers pay a little less than the state average in car insurance.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.