North Dakota Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, North Dakota car insurance averages about $164 a month ($1,963 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 30% below the national average in our data. It’s lower than in Minnesota, Montana and South Dakota. State Farm has the lowest full-coverage average among the insurers we rank, at about $135 a month.

Our North Dakota figures cover the 21 ZIP codes we price, in 15 cities and towns and 13 of the state’s 53 counties, and where you live matters. The nine ZIP codes we price in Bismarck, Mandan, Minot, Dickinson, Williston and Watford City average about $177 a month for full coverage, about 15% more than the $154 average across the 12 in the east, where Cass County, home to Fargo, is the least expensive county we price, at $147. Use these averages as a benchmark, then compare North Dakota auto insurance quotes for your own car and ZIP code.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 21 North Dakota ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 5, 2026.

How Much Is Car Insurance in North Dakota?

North Dakota car insurance costs about $164 a month ($1,963 a year) on average for full coverage and $37 a month ($445 a year) for liability-only coverage at the state’s 25/50/25 liability minimum. That’s for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in North Dakota averages $1,963 a year, or about $164 a month, for our benchmark driver. Liability-only coverage at North Dakota’s 25/50/25 minimum averages $445 a year ($37 a month), and 50/100/50 liability with comprehensive and collision averages $1,949 ($162 a month).

• Full coverage (100/300/100, $500 deductibles): $1,963 a year ($164 a month)
• 50/100/50 with $500 deductibles: $1,949 a year ($162 a month)
• Liability only (25/50/25): $445 a year ($37 a month)
• Fargo: $1,764 a year ($147 a month) for full coverage
• Bismarck: $2,091 a year ($174 a month) for full coverage
• Grand Forks: $1,873 a year ($156 a month) for full coverage
• Minot: $2,097 a year ($175 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How North Dakota Compares With Neighboring States

North Dakota’s average is about $59 a month below Minnesota’s, $14 below Montana’s and $30 below South Dakota’s. It’s the ninth-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in North Dakota: Companies Compared

Cheap auto insurance in North Dakota starts with State Farm, which has the lowest full-coverage average of the five insurers we price, about $135 a month ($1,614 a year) for our benchmark driver, with Progressive and Nodak Insurance close behind. For liability-only coverage, North Star Mutual has the lowest average of the five insurers we price, at about $27 a month. The bullets and table below show all five insurers we price and the four insurers marked *.

• Lowest average among insurers we rank, full coverage: State Farm, at about $135 a month ($1,614 a year).
• Next lowest among the insurers we rank: Progressive and Nodak Insurance, effectively tied at $146 and $147, then North Star Mutual at $183.
• Lowest liability-only average (25/50/25): North Star Mutual, at about $27 a month, then Progressive at $29.
• Also on our list: Auto-Owners at about $137 a month, USAA at $139, GEICO at $229 and Allstate at $315 (USAA sells only to military families).
• Most expensive among insurers we rank: American Family, at about $208 a month for full coverage, $878 a year more than State Farm.

State Farm has the lowest full-coverage average among the five insurers in our North Dakota rate data. The seven published 2026 statewide North Dakota rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA: two put GEICO first, two State Farm, one North Star Mutual and one Auto-Owners, and one has GEICO and American Family tied. For liability-only coverage at 25/50/25 limits, North Star Mutual has the lowest average among the insurers we price, at about $27 a month, with Progressive close behind at $29.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in North Dakota

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Rates change by city and ZIP code across North Dakota. Enter yours to compare quotes.

How North Dakota’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved since November 2025.

Are Car Insurance Rates Going Up in North Dakota?

Not for our benchmark driver. Comparing the same insurers in the same North Dakota ZIP codes, full coverage averaged $2,102 a year in rates as of Nov. 30, 2025, and $1,963 as of Aug. 31, 2026, a 6.6% drop. North Star Mutual cut its North Dakota average 14.1%, Nodak Insurance 10.3%, Progressive 4.0% and American Family 3.6%, while State Farm raised its average 2.3%. Liability-only coverage at 25/50/25 limits fell 3.9%, led by Progressive, which cut its liability-only average 12.9%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About North Dakota Car Insurance Costs

Three things stand out in our numbers and in state law.

• Western North Dakota costs more in our data. The nine ZIP codes we price in Bismarck, Mandan, Minot, Dickinson, Williston and Watford City average about $177 a month for full coverage, compared with $154 across the 12 ZIP codes we price in the east. Mandan and Watford City have the highest averages of the 15 places we price, about $186 a month each, and West Fargo the lowest, at $143.
• Most insurers cut their prices. Comparing the same insurers in the same ZIP codes, North Star Mutual cut its statewide full-coverage average 14.1% and Nodak Insurance 10.3% between November 2025 and August 2026. State Farm was the only one of the five to raise its average, by 2.3%, and the five insurers’ combined average fell 6.6%.
• No-fault coverage on every policy. Every North Dakota policy must include $30,000 per person in basic no-fault coverage, which pays your medical bills and lost wages whoever caused the crash, under N.D.C.C. 26.1-41, along with uninsured and underinsured motorist coverage of at least 25/50.

North Dakota Car Insurance Rates by City

West Fargo has the lowest full-coverage average of the 15 North Dakota cities and towns we price, about $143 a month, followed by Fargo ($147) and Jamestown ($148). Mandan and Watford City have the highest, about $186 a month each, followed by Williston ($180). Of the four cities with two or more ZIP codes in our data, Minot costs the most, at $175, and Fargo the least. The table lists North Dakota car insurance rates for every place we price, and it links each of our four city guides.

The table lists all 15 North Dakota cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

North Dakota City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

North Dakota Car Insurance Rates by County

Morton County is the most expensive county in our data, at about $186 a month for full coverage, followed by McKenzie County ($186) and Williams County ($180). The least expensive of the 13 counties we price are Cass County ($147), Stutsman County ($148) and Richland County ($153). We price 13 of North Dakota’s 53 counties.

How Much More Does Better Coverage Cost in North Dakota?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $1,963 a year and 50/100/50 averages $1,949. Across the five insurers, the change runs from $133 less a year (Nodak Insurance) to $116 more (Progressive). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Nodak Insurance charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

North Dakota Car Insurance Laws at a Glance

North Dakota Car Insurance Requirements: What You Must Carry

North Dakota requires liability coverage of at least $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25), uninsured and underinsured motorist coverage of at least 25/50, and $30,000 per person in basic no-fault coverage, also called personal injury protection.

• Bodily injury liability: $25,000 per person and $50,000 per crash, under N.D.C.C. 39-16.1-11.
• Property damage liability: $25,000 per crash.
• Uninsured and underinsured motorist coverage: uninsured motorist coverage at the 25/50 bodily injury minimums, with higher limits available on request, and underinsured motorist coverage at the same limits, under N.D.C.C. 26.1-40-15.2 and 15.3.
• Basic no-fault coverage (personal injury protection): up to $30,000 per person for medical bills, lost wages and other economic losses, with limits of $150 a week for lost income and $3,500 for funeral expenses, under N.D.C.C. 26.1-41. Insurers must also offer excess no-fault coverage, up to $80,000 in total.

The liability-only prices on this page use 25/50/25 limits with 25/50 uninsured and underinsured motorist coverage. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.

Is North Dakota a No-Fault State?

Yes, for injuries. Your own no-fault coverage pays up to $30,000 per person for medical bills, lost wages and related costs, no matter who caused the crash, according to the North Dakota Insurance and Securities Department. Under N.D.C.C. 26.1-41-08, you can sue the other driver for pain and suffering only after a serious injury: death, dismemberment, serious and permanent disfigurement, a disability lasting more than 60 days or medical bills over $2,500. No-fault benefits cover economic losses from injuries, not damage to cars. You can recover damages only if your share of the fault is less than that of everyone else involved combined, under N.D.C.C. 32-03.2-02.

Penalties for Driving Without Insurance in North Dakota

Driving without liability insurance carries a $150 fee, or $300 for a second violation within three years, under N.D.C.C. 39-06.1-06, and 6 points on your driving record: 12 points for a repeat within 18 months, or 14 if it’s found while investigating a crash involving a vehicle you own and were driving. For a second or later violation, the court impounds your license plates until you show proof of insurance and pay a $20 fee, under N.D.C.C. 39-08-20. After a conviction you must keep proof of insurance on file with the Department of Transportation for one year or lose your license, and the license that carries that notation costs $50, with another $50 to remove the notation.

You can show proof of insurance on paper or electronically, and if you’re cited but can later prove you were insured at the time, you won’t be found in violation. If an uninsured driver damages your car, the court must order that driver to pay your insurance deductible, under N.D.C.C. 39-08-20.1.

Credit, Rate Filings and Complaints

North Dakota insurers can use credit-based insurance scores, but they can’t deny, cancel or refuse to renew a policy based solely on credit information, and medical debt in collections can’t count against you, under N.D.C.C. 26.1-25.1-03. Insurers must file their rates with the insurance commissioner, and a filing is deemed to meet state law unless the commissioner disapproves it within a 60-day waiting period, under N.D.C.C. 26.1-25-04.

The department publishes a yearly auto insurance cost survey comparing insurers’ premiums for example drivers in Fargo, Bismarck and Mandan, Grand Forks, Minot and the rest of the state. For problems with an insurer, it takes complaints online and at 701-328-2440.

How to Lower Your Car Insurance Rate in North Dakota

1. Quote several insurers. Among the insurers we rank in North Dakota, the lowest and highest averages are about $73 a month apart for the same driver and car.
2. Compare State Farm, Progressive and Nodak Insurance first. State Farm has the lowest full-coverage average among the insurers we rank in North Dakota, about $135 a month, and Progressive and Nodak Insurance are effectively tied for next, at about $146 and $147 a month.
3. Don’t let coverage lapse. Driving uninsured in North Dakota carries a $150 fee and 6 points on your driving record, under N.D.C.C. 39-06.1, and a second violation means the court impounds your plates, so a gap between policies can cost more than the premium you save.
4. Keep proof of insurance on your phone. North Dakota accepts written or electronic proof when an officer asks, under N.D.C.C. 39-08-20, and if you’re cited but can later show you were insured at the time, you won’t be found in violation.
5. Consider higher uninsured motorist limits. Every North Dakota policy includes uninsured and underinsured motorist coverage at 25/50 or more, and insurers must offer higher uninsured motorist limits when you ask, under N.D.C.C. 26.1-40-15.2. Our full-coverage prices include both at 100/300.
6. Know how credit is used. North Dakota insurers can use a credit-based insurance score, but not as the only reason to deny, cancel or refuse to renew a policy, and medical debt in collections can’t count against you, under N.D.C.C. 26.1-25.1-03.
7. Compare at every renewal. Since November 2025, North Star Mutual has cut its statewide average 14.1%, Nodak Insurance 10.3%, Progressive 4.0% and American Family 3.6%, while State Farm has raised its average 2.3%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in North Dakota and our home insurance guides for Bismarck and Fargo, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare North Dakota Car Insurance Quotes

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How We Calculated North Dakota Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 105 full-coverage premiums from five insurers across 21 North Dakota ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at North Dakota’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Every North Dakota policy must also include $30,000 per person in basic no-fault coverage, also called personal injury protection; the requirements section of this page explains what it pays.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 North Dakota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from North Dakota law and the North Dakota Insurance and Securities Department. We refresh these figures when new rate data is released.

More North Dakota Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

North Dakota Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 53 counties, and a coupe is the most expensive in 48 of them. A coupe costs about 38% more than an SUV on average.

North Dakota Car Insurance FAQ