Cheap Car Insurance in North Dakota
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North Dakota Car Insurance Minimums
North Dakota requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Personal injury protection (PIP): $30,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Underinsured motorist
No-fault state.
Source: N.D.C.C. §§ 26.1-40-15.2, 26.1-40-15.3; N.D.C.C. ch. 26.1-41, verified 2026-09-01.
What drives car insurance rates in North Dakota
Average spend per insured vehicle, 2023
$808
North Dakota drivers spent $808 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
68¢
Auto insurers in North Dakota paid 68 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.9
North Dakota recorded 90 traffic deaths in 2024, 0.9 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
153.5
North Dakota reported 1,227 motor vehicle thefts in 2025, 153.5 per 100,000 residents, from 181 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#44
FEMA ranks North Dakota #44 of 51 for expected annual loss from natural hazards; winter weather accounts for 42% of that loss, and comprehensive coverage is what pays for ice and snow damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in North Dakota
The ten insurer groups that wrote the most auto premium in North Dakota in 2025, with their share of the state total of $713 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 29.19% | $208 million |
| 2 | State Farm Group | 13.17% | $94 million |
| 3 | Nodak Mutual Group | 8.57% | $61 million |
| 4 | Allstate Insurance Group | 8.12% | $58 million |
| 5 | American Family Insurance Group | 7.23% | $52 million |
| 6 | United Services Automobile Association Group | 5.09% | $36 million |
| 7 | Auto Owners Group | 3.69% | $26 million |
| 8 | Farmers Insurance Group | 3.64% | $26 million |
| 9 | Berkshire Hathaway Group | 3.24% | $23 million |
| 10 | North Star Co. Group | 3.01% | $21 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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