Cheapest car insurance in North Dakota (2026)
Skip the averages. Get your actual North Dakota rate.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Scout's quick take
- Cheapest liability we found: State Farm at $25/mo for a clean-record 35-year-old
- North Dakota average runs 10% below national: $41/mo liability, $180/mo full coverage
- State minimum is 25/50/25; driving uninsured risks fines, license suspension, and SR-22 requirements
BudgetAutoRates affordability gauge: North Dakota premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
Cheapest companies in North Dakota, compared
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $25 | $112 | Overall cheapest |
| GEICO | $28 | $122 | Digital-first drivers |
| Progressive | $32 | $142 | High-risk / SR-22 |
| Allstate | $38 | $166 | Bundling home + auto |
| Farmers | $41 | $180 | Agent relationships |
| Liberty Mutual | $45 | $196 | Custom coverage add-ons |
Illustrative estimates for a clean-record 35-year-old, built from public rate benchmarks and our cost model, not quotes; see our methodology.
Where does your ZIP land?
Premiums swing ZIP to ZIP, so start with five digits.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
North Dakota rates run 10% below national. Let Scout push yours lower still.
Compare North Dakota RatesNorth Dakota minimum coverage: 25/50/25
North Dakota requires liability coverage on every registered vehicle. The legal floor:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $25,000 to replace, so one at-fault accident can outrun your property-damage limit.
No-fault state: PIP and UM/UIM required.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Rates by city
Premiums swing inside North Dakota: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address. The largest metros in our North Dakota sample:
North Dakota questions, answered
Why is car insurance in North Dakota cheap?
North Dakota rates average about 10% below the national average, near $41/mo for liability and $180/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
What happens if I drive uninsured in North Dakota?
Penalties for driving without required coverage in North Dakota typically include fines, license and registration suspension, SR-22 filing requirements, and reinstatement fees, with exact amounts set by state law. A minimum-coverage policy usually costs less than the penalties. Verify current penalties with the North Dakota Department of Insurance, then let Scout find a policy that beats the paperwork.
Compare North Dakota quotes now
Five digits, about 2 minutes, real quotes from top carriers.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · No obligation · Scout guards the burrow. No spam.