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With its wide open spaces and sparse population, having access to a vehicle is essential for living in North Dakota. Anyone who wants to drive in the state must also have auto insurance. By law, the minimum auto insurance requirements for ND are as follows:

  • Bodily Injury Liability: This covers any claims made against you for bodily injury caused to another person through the operation of your vehicle; $25,000 per person, $50,000 per accident minimum.
  • Property Damage Liability: This protects you from claims brought over damage to someone else’s property through the operation of your vehicle; $25,000 per accident minimum.
  • Uninsured Motorist Coverage: This form of insurance provides you with coverage for a bodily injury claim you could have against another driver without insurance; $25,000 per person, $50,000 per accident minimum.
  • Underinsured Motorist Coverage: This provides coverage for a bodily injury claim you could have with another driver whose liability coverage is less than your underinsured coverage; must be equal to the uninsured motorist coverage amount.
  • Basic No-Fault: This gives you coverage for economic loss incurred – such as medical expenses or time off work – as the result of an auto accident, regardless of who’s at fault; $30,000 per person minimum.

There are additional forms of coverage available as well, including: collision, towing, comprehensive, death and dismemberment, and GAP coverage. But if you’re looking for the cheapest auto insurance, you probably want to stick with the minimum requirements. To make this easier, we’ve made a list of the cheapest auto insurance companies for each of North Dakota’s five biggest cities.

Fargo, ND

North Dakota’s biggest city, perhaps most famous for the movie of the same name, is a great college town. Like the rest of the state, winters can get extremely cold, which means having a properly insured vehicle is a must.

Auto insurance rates here are among the cheapest in the state, costing an average of $1,148 per year. To get the lowest rates possible, check out these companies, led by Nodak Mutual offering average rates of $618 per year:

Bismarck, ND

  • Nodak Mutual
  • USAA
  • State Farm
  • Allied
  • AAA

Bismarck is North Dakota’s capital and second largest city. It’s also a great place to raise a family, boasting low crime rates and an excellent public school system. Auto insurance here is cheaper than the state average, at $1,224 per year. By choosing the right company, you can get a great deal with any of these companies:

Grand Forks, ND

  • USAA
  • State Farm
  • Nodak Mutual
  • Allied
  • AAA

The third largest city in ND, Grand Forks is also one of the cheapest places to get auto insurance. Residents pay an average of $1,154 annually. With a little shopping around, that figure can nearly be cut in half, to around $600:

Minot, ND

  • USAA
  • State Farm
  • Nodak Mutual
  • Allied
  • AAA

Proving that bigger cities don’t always equate to more expensive auto insurance, Minot – the state’s fourth largest city, is yet another place on the list with cheap insurance rates compared to the state average. Residents here pay about $1,200 per year to get their vehicles insured. These companies have even cheaper rates:

West Fargo, ND

  • USAA
  • Allied
  • Nodak Mutual
  • State Farm
  • AAA

The trend of cheap insurance rates continues with our last city, West Fargo, which has the cheapest auto insurance in the state. Those who drive in ND’s fifth largest city only pay $1,137 per year on average. With a little shopping around, consumers can potentially slash another $500 off that figure:

  • Nodak Mutual
  • USAA
  • Allied
  • State Farm
  • AAA