Best Auto Insurance in North Dakota (2025)
Compare top-rated auto insurance companies in North Dakota. Find affordable coverage that meets ND state requirements and save up to 40% on your premium.
$1,098
Avg. Annual Premium
25/50/25
Minimum Coverage
Fargo
Largest City
779,000
Population
North Dakota Auto Insurance Requirements
North Dakota is a no-fault state requiring $30,000 in PIP coverage.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in North Dakota
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in North Dakota can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in North Dakota use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
North Dakota Auto Insurance FAQs
What is the minimum auto insurance required in North Dakota?
North Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). North Dakota is a no-fault state requiring $30,000 in PIP coverage.
How much does car insurance cost in North Dakota?
The average annual car insurance premium in North Dakota is $1,098. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in North Dakota?
Key factors affecting North Dakota auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Fargo typically pay more than those in rural areas.
How can I find cheap car insurance in North Dakota?
To find affordable car insurance in North Dakota: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free North Dakota Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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