North Dakota Auto Insurance Rates
Median premium: $640/6mo across 10 carriers and 407 ZIP codes.
Premiums range from $544 to $1,418 — a 2.6x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$640
per 6 months
ZIP Codes
407
with rate data
Carriers
10
rated in ND
Price Spread
2.6x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $432 | 407 ZIPs | 100% | |
| 2 | Progressive | $536 | 0 ZIPs | 0% | |
| 3 | American Family | $570 | 0 ZIPs | 0% | |
| 4 | GEICO | $581 | 0 ZIPs | 0% | |
| 5 | State Farm | $619 | 0 ZIPs | 0% | |
| 6 | Nationwide | $660 | 0 ZIPs | 0% | |
| 7 | Travelers | $672 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $690 | 0 ZIPs | 0% | |
| 9 | Allstate | $780 | 0 ZIPs | 0% | |
| 10 | Farmers | $1,220 | 0 ZIPs | 0% |
1
$432USAA#1 in 407 ZIPs (100%)
2
$536Progressive#1 in 0 ZIPs (0%)
3
$570American Family#1 in 0 ZIPs (0%)
4
$581GEICO#1 in 0 ZIPs (0%)
5
$619State Farm#1 in 0 ZIPs (0%)
6
$660Nationwide#1 in 0 ZIPs (0%)
7
$672Travelers#1 in 0 ZIPs (0%)
8
$690Liberty Mutual#1 in 0 ZIPs (0%)
9
$780Allstate#1 in 0 ZIPs (0%)
10
$1,220Farmers#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in North Dakota
| City | Avg Median | ZIPs |
|---|---|---|
| Absaraka | $544 | 1 |
| Dahlen | $544 | 1 |
| Maida | $544 | 1 |
| Agate | $544 | 1 |
| Calvin | $544 | 1 |
Most Expensive Cities in North Dakota
| City | Avg Median | ZIPs |
|---|---|---|
| West Fargo | $743 | 1 |
| Grand Forks Afb | $698 | 2 |
| Mandan | $678 | 1 |
| Bismarck | $678 | 7 |
| Surrey | $646 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$743/6mo
58078 (West Fargo)
Cheapest ZIP
$544/6mo
58002 (Absaraka)
2.6x
Price Spread
The most expensive ZIP in North Dakota costs 2.6x more than the cheapest. Your ZIP code matters more than you think.
North Dakota Auto Insurance FAQ
ZIP Code Lookup
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All carriers in North Dakota
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Access ZIP-level rate data across all 10 carriers, 407 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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