Twitter Facebook LinkedIn GooglePlus

Cheapest Car Insurance Rates In North Dakota (2018)

If you’ve been searching the Web for cheap auto insurance in North Dakota, you’ve probably discovered that insurance quotes can vary greatly from one company to the next. There are dozens of factors that determine your monthly premiums. The secret to finding the best car insurance quotes in ND is to find a company that caters to your particular driver profile.

Below, you’ll find the results of our study that compared nine insurance providers to identify the best insurance rates in North Dakota for these four driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$/month estimate

$123/month estimate

If you’re a safe driver, you shouldn’t have to pay the same amount for insurance as a person who has a history of accidents. Fortunately, insurance companies are aware that good drivers are less of a liability, so they tend to offer cheaper premiums to motorists in this group.

Best Rates For Teen Drivers

$142/month estimate

$/month estimate

Even the most diligent teenagers are more likely to cause accidents due to their inexperience. Our researchers determined that Allstate and Progressive have the cheapest car insurance rates for teens in North Dakota. Our driver was an 18 year old who drive 12,000 miles per year and didn’t have any serious traffic infractions.

Best Rates For Drivers With A DUI

$88/month estimate

$229/month estimate

It’s easy to underestimate the penalties of a DUI or DWI until you’re convicted. In addition to criminal penalties, you’ll probably notice a marked increase in your insurance rates. Our study found that drivers in North Dakota who have been convicted of DUI can find the cheapest car insurance rates at State Farm.

Best Rates For Senior Drivers

$59/month estimate

$102/month estimate

If you’re a senior and you’ve had a clean driving record for the past five years, consider comparing auto insurance quotes from State Farm and Allstate. The driver in our test was 65 and traveled 4,000 miles per year.


To estimate the monthly premiums for each driver category, our researchers averaged the auto insurance rates for males and females in five ND zip codes. The default driver’s age was 29. A 2014 Toyota Corolla is the vehicle used in the study. In most segments, the driver had an annual mileage of 12,000. Our hypothetical teen driver was shopping for insurance that met the minimum requirements in North Dakota. With the exception of the teenage driver part of our study, we used liability coverage limits of 50/100/25 and the same limits for uninsured motorist coverage.

Minimum Auto Insurance Requirements In North Dakota

In North Dakota, the minimum auto insurance limits are as follows:

  • For Bodily Injuries To One Individual: $25,000 Per Person / $50,000 Per Accident
  • For Property Damage: $25,000
  • Un/Underinsured Motorist Coverage For Bodily Injuries: $25,000 Per Person / $50,000 Per Accident
  • Personal Injury Protection (PIP): $30,000 Per Person


cheapest car insurance in north dakota

Visit the PennyGeeks blog to brush up on your auto insurance knowledge.


If you have a question or comment to share, please post it to our Facebook and/or Twitter page.

Find Cheap Insurance By State
Find Cheap Insurance By Driver Type
Car Insurance FAQs
How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?