Cheap Car Insurance in North Dakota for 2024 (Big Savings With These 10 Companies!)

Cheapest in North Dakota: Geico

19,116 reviews

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4.1

Table of Contents

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Company Facts

Min. Coverage in North Dakota

$16/mo

A.M. Best Rating

A++

Complaint Level

Low

» Geico Car Insurance Review

19,116 reviews

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2nd Cheapest in North Dakota: State Farm

17,759 reviews

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4.1

Company Facts

Min. Coverage in North Dakota

$20/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Excellent customer service
• Wide range of insurance coverage options
• Financially strong

• State Farm insurance rates are slightly higher than the national average
• Weak international presence
• State Farm claims process can be slow

» State Farm Car Insurance Review

17,759 reviews

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3rd Cheapest in North Dakota: Travelers

1,731 reviews

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4.1

Company Facts

Min. Coverage in North Dakota

$24/mo

A.M. Best Rating

A++

Complaint Level

Low

» Travelers Car Insurance Review

1,731 reviews

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Are you a resident of North Dakota and looking for affordable car insurance? In this article, we will explore the various factors that affect car insurance rates in North Dakota and provide you with tips to find a policy that fits your budget. We will also highlight some of the top affordable car insurance companies in the state.

Understanding Car Insurance in North Dakota

Before diving into the world of car insurance, it is essential to understand the basics. Car insurance is a contract between you and an insurance company that protects you financially in case of an accident, theft, or damage to your vehicle. In North Dakota, car insurance is mandatory, and drivers are required to carry liability coverage.

But what exactly is liability coverage? Liability coverage is the portion of your car insurance policy that pays for damages and injuries you cause to others. This means that if you are at fault in an accident and someone else is injured or their property is damaged, your insurance company will cover the costs up to the limits of your policy. Enter your ZIP code now.

Our Top 10 Company Picks: Cheap Car Insurance in North Dakota

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$16	A++	Extensive Discounts	Geico
	#2	$20	B	Local Agents	State Farm
	#3	$24	A++	Financial Standing	Travelers
	#4	$22	A	Safe-Driving Rewards	Safeco
	#5	$18	A	High-Risk Drivers	The General
	#6	$30	A+	Customizable Policies	Farmers
	#7	$31	A+	Competitive Rates	Progressive
	#8	$38	A+	Comprehensive Coverage	Allstate
	#9	$40	A	Flexible Coverage	American Family
	#10	$110	A	Multi-Policy Discount	Liberty Mutual

#1 – Geico: Top Overall Pick

Pros

• Low Rates for Safe Drivers: GEICO offers some of the most affordable premiums for safe drivers, making it an excellent option for those seeking cheap car insurance in North Dakota with a clean driving record.
• Strong Customer Satisfaction: GEICO consistently ranks high for customer satisfaction, providing a reliable option for those searching for cheap car insurance in North Dakota with dependable customer support. Explore further details on our Geico auto insurance review and ratings.
• Efficient Online Tools: With a highly rated mobile app and online tools, GEICO offers convenience for customers looking for cheap car insurance in North Dakota with easy access to account management and claims services.

Cons

• Limited Coverage Options: GEICO’s coverage options may be less flexible, which could be a drawback for North Dakota drivers looking for comprehensive cheap car insurance in North Dakota plans.
• Higher Rates for High-Risk Drivers: GEICO’s rates for high-risk drivers, such as those with accidents or tickets, tend to be higher, which might make it less appealing for those looking for cheap car insurance in North Dakota after driving incidents.

#2 – State Farm: Best for Local Agents

Pros

• Local Agent Network: With a vast network of local agents, State Farm allows drivers in North Dakota to get personalized assistance, making it ideal for those seeking cheap car insurance in North Dakota with face-to-face help.
• Discounts for Bundling Policies: State Farm offers discounts when bundling auto and home insurance, helping customers save on cheap car insurance in North Dakota when combining policies.
• Good Student Discounts: State Farm provides discounts for students maintaining good grades, making it an attractive choice for families seeking cheap car insurance in North Dakota for younger drivers. Check out our State Farm homeowners insurance review for further details.

Cons

• Higher Premiums for High-Risk Drivers: Drivers with traffic violation
• s or accidents may face higher premiums with State Farm, making it less appealing for those seeking cheap car insurance in North Dakota with a less-than-perfect driving record.
• Fewer Discounts for Senior Drivers: While some companies offer special savings for senior drivers, State Farm may not have as many senior-specific discounts for those looking for cheap car insurance in North Dakota as they age.

#3 – Travelers: Best for Financial Standing

Pros

• Flexible Coverage Options: Travelers provides a wide range of coverage options, ensuring drivers can customize their policies while still benefiting from cheap car insurance in North Dakota.
• Solid Financial Strength: Travelers has an excellent A.M. Best rating, meaning that North Dakota drivers can trust them for reliable claims payouts, even with cheap car insurance in North Dakota.
• Multi-Vehicle Discount: Insuring multiple cars with Travelers can lead to reduced premiums, making it easier to secure cheap car insurance in North Dakota for households with more than one car. Look more on our Travelers insurance review.

Cons

• Not the Cheapest Option: While Travelers offers solid coverage, it may not always provide the absolute lowest rates, meaning drivers focused solely on cheap car insurance in North Dakota might find cheaper alternatives.
• Limited Online Features: Travelers’ online tools and mobile app may not be as advanced as other competitors, which could impact drivers who prefer managing their cheap car insurance in North Dakota digitally.

#4 – Safeco Insurance: Best for Safe-Driving Rewards

Pros

• Flexible Payment Options: Safeco provides various payment plans, allowing drivers to choose a schedule that suits their budget for cheap car insurance in North Dakota. See more in-depth information on our Safeco insurance review and ratings to learn more.
• Usage-Based Insurance Options: Their usage-based insurance program rewards safe driving, providing opportunities for further savings on cheap car insurance in North Dakota.
• Strong Online Tools: Safeco’s online management tools are user-friendly, making it easier for drivers to manage their cheap car insurance in North Dakota policies conveniently.

Cons

• Customer Service Variability: Customer service experiences can vary, which may lead to dissatisfaction for some drivers relying on support for cheap car insurance in North Dakota.
• Potential Policy Complexity: The variety of options available can lead to confusion, making it harder for drivers to select the best cheap car insurance in North Dakota policy for their needs.

#5 – The General: Best for High-Risk Drivers

Pros

• Affordable Premiums: The General is known for its competitive rates, particularly for drivers with less-than-perfect records, making it an excellent option for those seeking cheap car insurance in North Dakota.
• Flexible Payment Plans: With various payment options, The General accommodates drivers looking for budget-friendly ways to manage their cheap car insurance in North Dakota expenses.
• Strong Focus on High-Risk Drivers: The General specializes in providing coverage for high-risk drivers, ensuring that those who may struggle to find affordable options can access cheap car insurance in North Dakota. Read our article “What is a general practice attorney?”.

Cons

• Mixed Customer Service Ratings: While some customers report satisfactory experiences, others have noted challenges with customer support, which could affect the reliability of cheap car insurance in North Dakota when assistance is needed.
• Higher Rates for Certain Drivers: While The General focuses on high-risk insurance, rates can still be higher for drivers with a history of accidents or claims, making cheap car insurance in North Dakota harder to secure for this group.

#6 – Farmers Insurance: Best for Customizable Policies

Pros

• Customizable Policies: Farmers allows for extensive customization of coverage, helping North Dakota drivers find cheap car insurance in North Dakota that meets their unique needs. Look more on our Farmers insurance review and ratings.
• Diverse Coverage Options: They offer specialized coverage options, such as classic car insurance, making it appealing for a range of vehicle owners looking for cheap car insurance in North Dakota.
• Bundling Discounts: By bundling auto insurance with home or other policies, drivers can enjoy significant savings, enhancing their chances of finding cheap car insurance in North Dakota.

Cons

• Potentially Higher Initial Premiums: Farmers’ initial premiums can be higher than competitors, which might deter budget-conscious drivers looking for cheap car insurance in North Dakota.
• Complex Pricing Structure: The variety of available coverage can lead to confusion regarding pricing, making it hard for some drivers to determine their best option for cheap car insurance in North Dakota.

#7 – Progressive: Best for Competitive Rates

Pros

• Name Your Price Tool: Progressive offers a unique tool that allows customers to set their budget for cheap car insurance in North Dakota, helping drivers find a policy that fits their financial needs.
• Snapshot Program: This program rewards safe driving with discounts, allowing North Dakota drivers to save even more on cheap car insurance in North Dakota if they maintain a good driving record.
• Wide Range of Coverage Options: Progressive offers a variety of coverage types, including rideshare and custom parts coverage, appealing to a diverse set of needs while ensuring cheap car insurance in North Dakota. Check out our best car insurance for high-risk drivers in 2024 for more information.

Cons

• Complex Policy Options: The wide array of coverage options can be overwhelming for some drivers, making it challenging to find the most suitable cheap car insurance in North Dakota policy.
• Mixed Customer Service Reviews: While Progressive is known for its competitive pricing, customer service reviews are mixed, which could be a concern for those relying on support for cheap car insurance in North Dakota.

#8 – Allstate: Best for Comprehensive Coverage

Pros

• Personalized Insurance Options: Allstate offers tailored insurance policies, ensuring that drivers can find a plan that meets their specific needs while still being cheap car insurance in North Dakota. Learn more through our Allstate insurance review and ratings.
• Strong Financial Backing: With a solid reputation and high A.M. Best ratings, Allstate provides reliable claims support for drivers, making their cheap car insurance in North Dakota trustworthy.
• Local Agents: North Dakota drivers can benefit from Allstate’s extensive network of local agents, providing personalized assistance when needed, especially for cheap car insurance in North Dakota.

Cons

• Limited Online Management Tools: Allstate’s online and app features may not be as comprehensive as those of other providers, which could affect tech-savvy drivers seeking to manage their cheap car insurance in North Dakota digitally.
• Rate Increases After Claims: Some customers have reported rate increases following claims, which might discourage drivers who are looking for consistent pricing in their cheap car insurance in North Dakota.

#9 – American Family Insurance: Flexible Coverage

Pros

• Flexible Coverage Choices: American Family offers customizable policies, ensuring drivers can find a plan that meets their specific needs while enjoying cheap car insurance in North Dakota. Check out our State Farm insurance review & ratings for more information.
• Strong Focus on Customer Experience: With a high customer satisfaction rating, American Family is committed to providing excellent service for those seeking cheap car insurance in North Dakota.
• Local Agents for Personalized Service: A strong local agent network allows North Dakota drivers to get personalized help with their cheap car insurance policies. Check our free car insurance information, advice and online quotes for further details.

Cons

• Fewer Coverage Options for High-Risk Drivers: American Family may have limited options for high-risk drivers, which can hinder their ability to find cheap car insurance in North Dakota.
• Mixed Feedback on Claims Processing: Customers have reported varying experiences with claims processing, which could affect the reliability of cheap car insurance in North Dakota in urgent situations.

#10 – Liberty Manual: Best for Multi-Policy Discount

Pros

• Wide Range of Coverage Options: Liberty Mutual offers a broad selection of coverage options, allowing North Dakota drivers to customize their cheap car insurance in North Dakota to fit their needs.
• Discounts for Safe Driving: They provide discounts for drivers who maintain a clean record, making cheap car insurance in North Dakota more attainable for responsible drivers. Look more on our Liberty Mutual auto insurance review.
• Local Agent Accessibility: With a network of local agents, Liberty Mutual offers personalized assistance to help drivers find the best options for cheap car insurance in North Dakota.

Cons

• Mixed Customer Service Experiences: Customer reviews are varied, and some may encounter challenges with the claims process, which could detract from the benefits of cheap car insurance in North Dakota.
• Complex Policy Terms: The range of options can lead to confusion over policy terms and conditions, making it difficult for some drivers to determine their best value for cheap car insurance in North Dakota.

The Basics of Car Insurance

Collision coverage is designed to protect your vehicle in case of an accident, whether you collide with another vehicle, a stationary object, or even a pothole, helping to pay for repairs or replacement. While not required by law, this coverage is highly recommended, especially for newer or more valuable vehicles.

Insurance Company	Minimum Coverage	Full Coverage
	$38	$136
	$40	$145
	$30	$107
	$16	$61
	$110	$398
	$31	$110
	$22	$82
	$20	$76
	$18	$67
	$24	$88

Comprehensive coverage, on the other hand, covers non-accident-related damage, including theft, vandalism, fire, natural disasters, and hitting an animal. Similar to collision coverage, comprehensive coverage is not mandatory but provides an additional layer of protection for your vehicle.

Car insurance policies typically consist of different types of coverage, including:

• Bodily Injury Liability: This coverage pays for medical expenses, lost wages, and legal fees if you 2injure someone in an accident.
• Property Damage Liability: This coverage pays for damages to someone else’s property caused by your vehicle.
• Collision Coverage: This coverage pays for damages to your vehicle resulting from a collision with another vehicle or object.
• Comprehensive Coverage: This coverage pays for damages to your vehicle caused by non-collision incidents, such as theft, vandalism, fire, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.

Lastly, uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who lacks insurance or sufficient coverage to pay for damages, helping with medical expenses, lost wages, and even pain and suffering.

North Dakota’s Car Insurance Requirements

According to North Dakota law, the minimum car insurance requirements are as follows:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident, ensuring drivers can cover medical expenses for injuries they cause to others in an accident.
• Property Damage Liability: $25,000 per accident, which covers damages to another person’s property resulting from an accident caused by the insured driver.
• Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident, providing protection if you’re injured by a driver who lacks sufficient insurance coverage.
• Uninsured/Underinsured Motorist Property Damage: $25,000 per accident, ensuring that damages to your property are covered in cases involving uninsured or underinsured motorists.

These requirements reflect North Dakota’s approach to ensuring drivers are financially protected while navigating the state’s unique driving conditions.

In North Dakota, drivers are required to carry minimum liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.

These minimum limits ensure that there is enough coverage to compensate others for their injuries or property damage in case of an accident.

Without adequate coverage, you could be personally responsible for any costs that exceed your policy limits, which can quickly add up and put you in a difficult financial situation.

By seeking the best uninsured and underinsured motorist coverage, you can better protect yourself from potential out-of-pocket expenses. Now that you have a better understanding of car insurance in North Dakota, you can make informed decisions when it comes to choosing the right coverage for your needs.

Factors Affecting Car Insurance Rates in North Dakota

Car insurance rates can vary based on several factors, and understanding these elements can help you find ways to lower your premiums, especially when considering car insurance for seniors. In North Dakota, known for its beautiful landscapes and harsh winters, unique challenges arise that influence car insurance rates, making it essential to account for factors that can affect premiums, particularly for senior drivers.

Insurance Company	Available Discounts
	Safe Driving Bonus, Multi-Policy, Accident Forgiveness, Early Signing
	Steer Into Savings, Multi-Policy, Defensive Driving, Loyalty Discount
	Signal® App, Multi-Policy, New Car Replacement, Safe Driver
	Defensive Driving, Multi-Policy, Good Driver, Anti-Theft
	Multi-Policy, Accident Forgiveness, New Car Replacement, Vehicle Safety Discount
	Snapshot®, Multi-Policy, Continuous Insurance, Safe Driver
	Multi-Policy, Accident Forgiveness, New Car Replacement, Anti-Theft
	Drive Safe & Save™, Multi-Policy, Accident-Free, Good Student
	Multi-Policy, Safe Driver, Accident Forgiveness, Good Student
	Multi-Policy, Safe Driver, Accident Forgiveness, New Car Replacement

The state’s extreme weather conditions and rural areas contribute to the risk factors considered by insurance companies when determining rates, making it essential for drivers to be aware of how these factors can impact their insurance costs.

Age and Driving Experience

Young and inexperienced drivers often face higher insurance rates due to the higher risk associated with their age group. In North Dakota, this is especially true considering the challenging driving conditions during the winter months. The icy roads and reduced visibility increase the likelihood of accidents for new drivers.

As you gain more experience and maintain a clean driving record, your insurance premiums may decrease. Insurance companies recognize the value of experience and reward responsible driving habits.

Driving Record and Claims History

Your driving record plays a significant role in determining your car insurance rates, as highlighted in insurance company reviews and ratings. Insurance companies evaluate factors like accidents, traffic violations, and claims history when assessing your risk.

In North Dakota, where weather-related accidents are more common, having a clean driving record becomes even more crucial. Maintaining a clean driving record can lead to lower insurance premiums as it demonstrates your commitment to safe driving.

Furthermore, insurance companies take into account the number of claims you have made in the past. Frequent claims can indicate a higher risk of future claims, which may result in higher insurance rates.

Vehicle Make and Model

For instance, vehicles equipped with all-wheel drive and advanced safety features, such as anti-lock brakes and traction control, are better suited to handle the challenging driving conditions in North Dakota.

Insurance companies recognize these safety features and may offer lower insurance premiums for vehicles that prioritize driver and passenger safety.

Moreover, the likelihood of theft is also taken into account. In North Dakota’s rural areas, where vehicles may be more vulnerable to theft, insurance companies may adjust rates accordingly.

Overall, understanding the factors that affect car insurance rates in North Dakota can empower you to make informed decisions and find ways to lower your premiums, especially when considering the risks of property ownership.

By considering your age and driving experience, maintaining a clean driving record, and selecting a vehicle that prioritizes safety and theft prevention, you can potentially save money while ensuring adequate coverage for your car.

Tips for Finding Cheap Car Insurance in North Dakota

Car insurance is a necessary expense, but that doesn’t mean you have to break the bank. There are ways to find affordable policies without compromising coverage. Here are some tips to help you on your search:

Shopping Around for Quotes

One of the most effective ways to find cheap car insurance is to shop around and compare quotes from multiple insurance companies. Each company may offer different rates and discounts, so it’s essential to explore your options.

When shopping for car insurance, it’s essential to evaluate not just the price but also the coverage provided. Some policies may feature lower premiums, but they could fall short on comprehensive protection, leading to the question: “Is full coverage really full?” Make sure to understand what is included in your policy to ensure you’re adequately protected.

On the other hand, higher-priced policies may offer additional benefits like roadside assistance or rental car reimbursement. By comparing quotes, you can find the right balance between cost and coverage.

Taking Advantage of Discounts

Insurance companies often offer various discounts that can help reduce your premiums, as highlighted in the united home life insurance review. Common discounts include multi-policy discounts, safe driver discounts, and good student discounts. Be sure to ask each company about any available discounts that you may qualify for to maximize your savings.

In addition to the standard discounts, some insurance companies offer unique incentives. For example, some companies provide discounts for drivers who take defensive driving courses or install anti-theft devices in their vehicles.

Maintaining a Clean Driving Record

As mentioned earlier, your driving record has a significant impact on your insurance rates. By practicing safe driving habits and avoiding accidents and traffic violations, you can maintain a clean record and potentially qualify for lower insurance premiums.

However, accidents happen, and even the most cautious drivers can find themselves with a blemish on their record. If you do have a recent accident or violation, don’t lose hope.

Some insurance companies offer accident forgiveness programs that can help you avoid significant rate increases after your first at-fault accident.

When researching how to get paid for car accident damage, it’s worth checking with each insurer to see if they provide this valuable feature, as it can make a significant difference in your overall premium.

Remember, finding cheap car insurance in North Dakota requires a bit of effort and research. By shopping around for quotes, taking advantage of discounts, and maintaining a clean driving record, you can secure an affordable policy without compromising on coverage.

By understanding the basics of car insurance, being aware of the factors that affect rates, and following the tips mentioned above, you can find affordable car insurance in North Dakota.