Cheapest Car Insurance in North Dakota

Numbers refreshed November 4, 2026

Where North Dakota publishes rates, insurers are ranked by price, plus ways to cut your own bill.

Cheapest coverage for an adult with a clean record in North Dakota

Clean record and excellent credit, single female, 30, driving a 2017 Acura TL, 10,000 mi/yr. Priced by the state.

Rank	Insurer	Per year	Per month
1	Progressive	$476	$40
2	Progressive	$596	$50
3	National Farmers Union	$600	$50
4	Allstate	$726	$60
5	COUNTRY Preferred	$778	$65
6	Nodak	$862	$72
7	American Family Insurance	$914	$76
8	Nationwide	$1,046	$87
9	RAM Mutual	$1,074	$90
10	GEICO	$1,096	$91

The state priced this profile: single male, 23, with a clean record and excellent credit. The car is a 2017 Ford F-150 XLT 4x4, 15,000 miles a year.

Rank	Insurer	Per year	Per month
1	Progressive	$622	$52
2	National Farmers Union	$790	$66
3	Progressive	$848	$71
4	American Family Insurance	$908	$76
5	Allstate	$952	$79
6	Nodak	$992	$83
7	COUNTRY Preferred	$1,038	$86
8	Nationwide	$1,246	$104
9	North Star Mutual	$1,300	$108
10	GEICO	$1,340	$112

The state priced this profile: single male, 21, driving a 2009 Ford Mustang, 2 tickets for speeding plus 1 at-fault accident, with excellent credit.

Rank	Insurer	Per year	Per month
1	Progressive	$516	$43
2	Progressive	$704	$59
3	Allstate	$712	$59
4	GEICO	$972	$81
5	GEICO	$976	$81
6	Casualty Insurance	$1,226	$102
7	General Indemnity	$1,248	$104
8	National Farmers Union	$1,268	$106
9	USAA	$1,360	$113
10	American Family Insurance	$1,410	$118

Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $705 a year on the North Dakota average.
Raise your deductible; what you save in a year often beats the extra cost of one claim.
Ask for every discount by name: good student, multi-car, paying in full, bundling home and auto, safe-driving apps.
Compare prices again each time you renew. A price rise doesn't mean other companies went up too.

First written November 4, 2026