Cheapest Car Insurance in North Dakota (2026)
GEICO leads minimum coverage at $22/month. North Dakota drivers pay an average of $137/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums (25/50/25 + $30K PIP + UM/UIM 25/50 — no-fault state), average costs, and cheapest-carrier rankings.
Quick Answer — North Dakota
- Minimum coverage required: 25/50/25 + $30K PIP + UM/UIM 25/50 — no-fault state
- Avg full coverage cost: $137/month ($1,641/year)
- Cheapest carrier (minimum): GEICO — $22/mo avg
- Cheapest carrier (full coverage): Nodak (or USAA for military) — $78/mo avg
What's special about car insurance in North Dakota
- No-fault state with $30K mandatory PIP
- Among cheapest US states despite no-fault PIP requirement
- Allows credit-based insurance pricing
- Nodak Insurance (regional ND/MN/SD) consistently competitive
North Dakota car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 25/50/25 + $30K PIP + UM/UIM 25/50 — no-fault state | — | — |
| Avg minimum coverage cost | $35/mo | $420/yr | — |
| Avg full coverage cost | $137/mo | $1,641/yr | — |
| Cheapest carrier (minimum) | GEICOBest | $22/mo | $264/yr |
| Cheapest carrier (full coverage) | Nodak (or USAA for military)Best | $78/mo | $936/yr |
Which carrier should North Dakota drivers pick?
Match your situation to the right carrier. North Dakota-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverage→ GEICOCheapest in North Dakota at $22/mo.
- You want full coverage at the lowest price→ Nodak (or USAA for military)$78/mo full coverage in North Dakota.
- You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Get a free North Dakota quote in 15 minutes
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$22/mo
Cheapest minimum coverage
$137/mo
State avg full coverage
25/50/25 + $30K PIP + UM/UIM 25/50
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
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Methodology & sources
All North Dakota data on this page was WebSearch-verified May 2026 against the North Dakota insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
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