Find North Dakota car insurance cost for both new and used cars by auto values, deductibles and credit scores. Once ready, see the best local and statewide car insurers.
Car insurance in North Dakota often runs close to the national average, but long travel distances, harsh winters, and rural roads can raise claim costs.
Snow, ice, strong winds, and limited access to repair shops in remote areas shape what people pay across the state.
North Dakota’s 25/50/25 Rule: What It Covers
North Dakota New Car Insurance Costs
North Dakota Used Car Insurance Costs
How Credit History Influences North Dakota Car Insurance Prices
Why North Dakota’s Minimums Can Leave You Paying the Difference
What Shapes North Dakota Rates
How North Dakota Drivers Can Bring Their Insurance Costs Down
Curious about car financing? See real North Dakota car loan rates shared by our community. Also find North Dakota best car loan lenders in your area (also community recommended).
North Dakota’s 25/50/25 Rule: What It Covers
North Dakota law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
North Dakota also requires coverage for injuries caused by uninsured and underinsured drivers. This helps protect you if the other driver has little or no insurance.
MFP Tip: High speeds on rural highways can lead to serious crashes. Higher liability limits can help protect your finances.
North Dakota New Car Insurance Costs
Your new car insurance price depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $151 | $175 | $191 | $308 |
| Standard | $126 | $147 | $160 | $259 | |
| Liability only | $82 | $96 | $104 | $168 | |
| $40K-$60K | Full | $127 | $148 | $162 | $261 |
| Standard | $106 | $123 | $134 | $217 | |
| Liability only | $70 | $82 | $89 | $144 | |
| $25K-$40K | Full | $111 | $129 | $141 | $228 |
| Standard | $92 | $107 | $117 | $189 | |
| Liability only | $62 | $73 | $79 | $128 | |
| Below $25K | Full | $98 | $113 | $124 | $200 |
| Standard | $80 | $93 | $102 | $164 | |
| Liability only | $55 | $64 | $70 | $113 |
North Dakota Used Car Insurance Costs
Used cars may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $114 | $132 | $144 | $233 |
| Standard | $95 | $110 | $120 | $194 | |
| Liability only | $63 | $73 | $80 | $129 | |
| $15K-$40K | Full | $95 | $110 | $120 | $194 |
| Standard | $79 | $92 | $100 | $161 | |
| Liability only | $53 | $62 | $68 | $109 | |
| Below $15K | Full | $80 | $93 | $101 | $163 |
| Standard | $65 | $76 | $82 | $133 | |
| Liability only | $45 | $53 | $58 | $93 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences North Dakota Car Insurance Prices
In North Dakota, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Finding the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why North Dakota’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on North Dakota roads cost more than $25,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has little or no insurance.
What Shapes North Dakota Rates
North Dakota uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Snow, ice, extreme cold, and high winds can damage vehicles and lead to claims across the state.
Long stretches of highway and higher speeds outside cities increase the risk of serious accidents and repair costs.
How North Dakota Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly long rural routes, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in North Dakota
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the North Dakota Department of Transportation. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
North Dakota Best Car Insurance
Find North Dakota best local insurers by metro areas based on community recommendations
Fargo, Bismarck, Grand Forks, Minot, West Fargo, Williston, Dickinson, Mandan
Fargo Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Fargo’s area are Renee Forde, agent, State Farm, Ihry Insurance and Dawson Insurance.
Renee Forde, agent, State Farm (91% Recommend)
- Renee Forde scores 4.8 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Fargo’s top 3.
- Customer feedback points to fast answers, helpful switching support and strong guidance for home and auto insurance decisions.
Ihry Insurance (87% Recommend)
- Ihry Insurance has 4.5 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, matching Dawson Insurance on Terms but leading it by 0.1 on support.
- The agency’s local experience and proposal-based approach support Fargo drivers comparing personal auto options.
Dawson Insurance (85% Recommend)
- Dawson Insurance scores 4.4 Easy Application, 4.6 Terms & Premium Satisfaction and 4.7 Support & Guidance, with the same Terms rating as Ihry Insurance.
- Its independent agency model gives Fargo drivers local guidance and help matching coverage with carrier options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Renee Forde, agent, State Farm | Insurer | 4.8 | 4.6 | 4.9 | 91% |
| Ihry Insurance | Agency | 4.5 | 4.6 | 4.8 | 87% |
| Dawson Insurance | Agency | 4.4 | 4.6 | 4.7 | 85% |
| Fredrick Hage, agent, Allstate | Insurer | 4.5 | 4.2 | 4.4 | 81% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.4 | 80% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 79% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 78% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 77% |
| State Farm | Insurer | 4.4 | 4.2 | 4.2 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Auto-Owners Insurance | Insurer | 4.1 | 4.4 | 4.3 | 76% |
| Farmers Union Insurance | Insurer | 4.1 | 4.3 | 4.3 | 75% |
| Farmers Insurance | Insurer | 4.2 | 4.0 | 4.1 | 74% |
| Liberty Mutual | Insurer | 4.3 | 3.9 | 4.0 | 73% |
| Nationwide | Insurer | 4.2 | 4.0 | 4.0 | 72% |
Bismarck Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Bismarck’s area are Pat Stocking, agent, Allstate, HUB International and Nodak Insurance Company.
Pat Stocking, agent, Allstate (89% Recommend)
- Pat Stocking scores 4.7 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Bismarck’s top 3.
- Customer feedback points to helpful, professional and easy-to-work-with service from the local agency team.
HUB International (85% Recommend)
- HUB International has 4.4 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, 0.1 below Pat Stocking on support.
- The broker model supports Bismarck drivers who want personal auto options and broader coverage guidance.
Nodak Insurance Company (82% Recommend)
- Nodak Insurance Company scores 4.1 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, matching HUB on Terms but trailing it on application ease.
- Its North Dakota-based footprint and agent-guided auto insurance model support strong state relevance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Pat Stocking, agent, Allstate | Insurer | 4.7 | 4.5 | 4.8 | 89% |
| HUB International | Broker | 4.4 | 4.5 | 4.7 | 85% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 82% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 79% |
| State Farm | Insurer | 4.4 | 4.2 | 4.2 | 78% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 77% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 76% |
| Farmers Union Insurance | Insurer | 4.1 | 4.3 | 4.3 | 75% |
| Auto-Owners Insurance | Insurer | 4.1 | 4.4 | 4.3 | 75% |
| Nationwide | Insurer | 4.2 | 4.0 | 4.0 | 72% |
Grand Forks Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Grand Forks’s area are Logan Karsky, agent, State Farm, Bremer Insurance and Nodak Insurance Company.
Logan Karsky, agent, State Farm (88% Recommend)
- Logan Karsky scores 4.6 Easy Application, 4.4 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Grand Forks’s top 3.
- The local State Farm office gives Grand Forks drivers a direct auto quote path with agent-based support.
Bremer Insurance (84% Recommend)
- Bremer Insurance has 4.4 Easy Application, 4.4 Terms & Premium Satisfaction and 4.6 Support & Guidance, 0.2 below Logan Karsky on support.
- The agency model supports drivers who want help comparing coverage and bundling personal insurance needs.
Nodak Insurance Company (82% Recommend)
- Nodak Insurance Company scores 4.1 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, with the highest Terms rating among the top 3.
- Its North Dakota agent network and local insurance focus make it relevant for Grand Forks drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Logan Karsky, agent, State Farm | Insurer | 4.6 | 4.4 | 4.8 | 88% |
| Bremer Insurance | Agency | 4.4 | 4.4 | 4.6 | 84% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 82% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 79% |
| State Farm | Insurer | 4.4 | 4.2 | 4.2 | 78% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 77% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 76% |
| Farmers Union Insurance | Insurer | 4.1 | 4.3 | 4.3 | 75% |
| Auto-Owners Insurance | Insurer | 4.1 | 4.4 | 4.3 | 75% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 74% |
Minot Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Minot’s area are Kim Albert Agency, Allstate, Kellen Latendresse, agent, Farmers and Paul Siebert, agent, State Farm.
Kim Albert Agency, Allstate (91% Recommend)
- Kim Albert Agency scores 4.8 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Minot’s top 3.
- Customer feedback highlights timely answers, professionalism, strong support and high recommendation intent.
Kellen Latendresse, agent, Farmers (89% Recommend)
- Kellen Latendresse has 4.7 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, 0.1 below Kim Albert Agency on support.
- His Minot background and local Farmers office support strong city-specific guidance for car insurance decisions.
Paul Siebert, agent, State Farm (86% Recommend)
- Paul Siebert scores 4.5 Easy Application, 4.4 Terms & Premium Satisfaction and 4.7 Support & Guidance, trailing Kellen Latendresse by 0.1 on support.
- The office emphasizes auto, home and renters insurance help with a local team serving Minot drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Kim Albert Agency, Allstate | Insurer | 4.8 | 4.6 | 4.9 | 91% |
| Kellen Latendresse, agent, Farmers | Insurer | 4.7 | 4.5 | 4.8 | 89% |
| Paul Siebert, agent, State Farm | Insurer | 4.5 | 4.4 | 4.7 | 86% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 82% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 79% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 77% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 76% |
| Farmers Union Insurance | Insurer | 4.1 | 4.3 | 4.3 | 75% |
West Fargo Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in West Fargo’s area are Ihry Insurance, HUB International and Renee Forde, agent, State Farm.
Ihry Insurance (88% Recommend)
- Ihry Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Terms rating among West Fargo’s top 3.
- Its long local experience and comprehensive proposal process support drivers comparing personal auto coverage.
HUB International (86% Recommend)
- HUB International has 4.4 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, tying Ihry Insurance on Support & Guidance.
- The West Fargo office offers personal insurance guidance through a broker model with broader coverage resources.
Renee Forde, agent, State Farm (84% Recommend)
- Renee Forde scores 4.8 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest table metrics but with a lower West Fargo city signal than the two local offices.
- Customer feedback supports strong help with vehicles and home insurance, especially for shoppers willing to use a nearby Fargo-area office.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Ihry Insurance | Agency | 4.6 | 4.6 | 4.8 | 88% |
| HUB International | Broker | 4.4 | 4.5 | 4.8 | 86% |
| Renee Forde, agent, State Farm | Insurer | 4.8 | 4.6 | 4.9 | 84% |
| Dawson Insurance | Agency | 4.4 | 4.6 | 4.7 | 83% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 80% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 77% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 76% |
Williston Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Williston’s area are Cooperative Insurance Agency, Choice Insurance and Nodak Insurance Company.
Cooperative Insurance Agency (87% Recommend)
- Cooperative Insurance Agency scores 4.5 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Williston’s top 3.
- The local agency offers auto, home and farm-related coverage support with a clear Williston office presence.
Choice Insurance (84% Recommend)
- Choice Insurance has 4.4 Easy Application, 4.4 Terms & Premium Satisfaction and 4.7 Support & Guidance, 0.1 below Cooperative Insurance Agency on support.
- The agency model supports Williston drivers who want help comparing personal insurance options.
Nodak Insurance Company (81% Recommend)
- Nodak Insurance Company scores 4.1 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, stronger than Choice Insurance on Terms but lower on application ease.
- Its North Dakota agent network and auto insurance focus make it a relevant local-state option.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cooperative Insurance Agency | Agency | 4.5 | 4.6 | 4.8 | 87% |
| Choice Insurance | Agency | 4.4 | 4.4 | 4.7 | 84% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 81% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 76% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 75% |
Dickinson Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Dickinson’s area are Yahnke Insurance Agency, HUB International and Nodak Insurance Company.
Yahnke Insurance Agency (88% Recommend)
- Yahnke Insurance Agency scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest top-3 Support & Guidance score.
- The agency clearly offers car insurance in North Dakota and supports drivers with personal coverage guidance.
HUB International (84% Recommend)
- HUB International has 4.4 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, 0.1 below Yahnke on support.
- The broker model gives Dickinson drivers access to broader personal insurance support and comparison help.
Nodak Insurance Company (81% Recommend)
- Nodak Insurance Company scores 4.1 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, matching HUB on Terms but lower on application ease.
- Its North Dakota-based agent network supports state relevance and local familiarity for auto insurance shoppers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Yahnke Insurance Agency | Agency | 4.6 | 4.6 | 4.8 | 88% |
| HUB International | Broker | 4.4 | 4.5 | 4.7 | 84% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 81% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 76% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 75% |
Mandan Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Mandan’s area are HUB International, Nodak Insurance Company and Pat Stocking, agent, Allstate.
HUB International (86% Recommend)
- HUB International scores 4.4 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest city-specific Support & Guidance score among Mandan’s top 3.
- The Mandan office offers personal auto insurance support and broader local advisory help for central North Dakota drivers.
Nodak Insurance Company (82% Recommend)
- Nodak Insurance Company has 4.1 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, matching HUB on Terms but trailing it by 0.3 on support.
- Its North Dakota agent network and auto insurance focus give it strong local-state relevance.
Pat Stocking, agent, Allstate (81% Recommend)
- Pat Stocking scores 4.7 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, matching HUB on support but with a lower Mandan-specific signal than the local office.
- Customer feedback points to helpful and professional service from the nearby Bismarck-area agency.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| HUB International | Broker | 4.4 | 4.5 | 4.8 | 86% |
| Nodak Insurance Company | Insurer | 4.1 | 4.5 | 4.5 | 82% |
| Pat Stocking, agent, Allstate | Insurer | 4.7 | 4.5 | 4.8 | 81% |
| American Family Insurance | Insurer | 4.3 | 4.3 | 4.3 | 78% |
| Progressive | Insurer | 4.6 | 4.2 | 4.0 | 76% |
| GEICO | Insurer | 4.7 | 4.2 | 3.9 | 75% |
End Note
State-required insurance satisfies the rules, but real-world claims can exceed those numbers fast.
Your coverage should reflect what you own and what a serious crash can cost on North Dakota roads.