What Used Cars Are the Cheapest to Insure in North Dakota?
Want to know the cheapest pre-owned vehicle to insure in North Dakota? We researched insurance quotes in the state to save you the effort!
This article covers insurance basics for the state of North Dakota and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!
North Dakota Cheapest Used Cars to Insure
We used a basic driver’s profile to get insurance quotes on 45 cars from the 2021 production year. The three cars below are the most affordable used cars to insure in North Dakota.
1. 2021 CX-30 by Mazda
The cheapest used car to insure in North Dakota is the 2021 Mazda CX-30. Full-coverage insurance for this four-door SUV costs $77 a month, $28 cheaper than the average cost of full-coverage insurance in North Dakota. Liability-only coverage costs $29 a month.
This 2021 SUV gets 24mpg in the city and 31mpg on the highway. Its excellent safety features grant it a spot on the Top Safety Pick+ list.
2. 2021 Forester by Subaru
The 2021 Subaru Forester is the second cheapest used vehicle to insure in North Dakota. Getting full-coverage insurance policies for this four-door SUV costs $79.05 a month, less than the $105 monthly average cost in North Dakota. A liability-only plan costs $29 a month.
The Forester gets 26mpg in the city and 33mpg on the highway.
3. 2021 CX-3 by Mazda
The third cheapest used car to insure in North Dakota is the 2021 Mazda CX-3. It costs $79.19 a month for full coverage insurance for the four-door SUV, roughly $26 cheaper each month than the average North Dakotan insurance plan. Liability-only coverage policies cost $32.
The Mazda CX-3’s crash test safety puts it on the Top Safety Pick+ list. The CX-3 gets 27mpg in the city and 32mpg when highway driving.
The 45 Cheapest Used Vehicles to Insure in North Dakota
We used 45 cars from the Insurance Institute for Highway Safety‘s (IIHS) 2021 Top Safety Pick list to compare the costs for full-coverage insurance, arranging them from least to most expensive. We also included the cost of liability-only insurance policies in the table below for your comparison.
| Year | Make | Model | Full Coverage | Liability Only |
| 2021 | Mazda | CX-30 | $77.94 | $29.19 |
| 2021 | Subaru | Forester | $79.05 | $29.19 |
| 2021 | Mazda | CX-3 | $79.19 | $32.11 |
| 2021 | Hyundai | Tucson | $83.22 | $34.30 |
| 2021 | Subaru | Crosstrek | $83.50 | $28.89 |
| 2021 | Hyundai | Nexo | $83.62 | $32.54 |
| 2021 | Hyundai | Santa Fe | $84.82 | $33.17 |
| 2021 | Chevrolet | Trailblazer | $85.87 | $32.54 |
| 2021 | Mazda | CX-5 | $87.47 | $32.11 |
| 2021 | Subaru | Legacy | $88.15 | $29.19 |
| 2021 | Volkswagen | ID.4 | $89.37 | $32.11 |
| 2021 | Subaru | Outback | $90.43 | $29.19 |
| 2021 | Honda | Insight | $93.16 | $32.11 |
| 2021 | Subaru | Ascent | $93.40 | $32.54 |
| 2021 | Volvo | XC40 | $93.41 | $34.30 |
| 2021 | Nissan | Rogue | $93.71 | $34.30 |
| 2021 | Mazda | 3 | $94.16 | $36.22 |
| 2021 | Toyota | Camry | $94.53 | $33.56 |
| 2021 | Hyundai | Palisade | $96.60 | $33.17 |
| 2021 | Volvo | XC60 | $97.25 | $35.65 |
| 2021 | Toyota | Highlander | $97.26 | $33.17 |
| 2021 | Volvo | V60 | $98.00 | $34.30 |
| 2021 | Nissan | Murano | $98.20 | $35.15 |
| 2021 | Mazda | CX-9 | $101.51 | $35.65 |
| 2021 | Kia | K5 | $101.94 | $35.15 |
| 2021 | Ford | Bronco | $102.61 | $37.49 |
| 2021 | Honda | Accord | $102.79 | $33.56 |
| 2021 | Volvo | S60 | $103.53 | $33.56 |
| 2021 | Mitsubishi | Outlander | $103.71 | $37.52 |
| 2021 | Mazda | 6 | $103.99 | $34.30 |
| 2021 | Nissan | Altima | $104.71 | $35.55 |
| 2021 | Chrysler | Pacifica | $105.53 | $32.11 |
| 2021 | Acura | TLX | $105.33 | $32.54 |
| 2021 | Lexus | NX | $107.31 | $33.17 |
| 2021 | Genesis | G70 | $117.97 | $30.24 |
| 2021 | Volvo | V90 | $121.47 | $30.24 |
| 2021 | Cadillac | XT6 | $122.32 | $37.35 |
| 2021 | Lexus | ES | $124.95 | $32.54 |
| 2021 | Volvo | S90 | $126.78 | $30.24 |
| 2021 | Nissan | Maxima | $128.10 | $34.30 |
| 2021 | Audi | Q5 | $131.73 | $33.17 |
| 2021 | Lexus | IS | $132.60 | $32.54 |
| 2021 | Mercedes-Benz | C-Class | $132.63 | $32.11 |
| 2021 | Mercedes-Benz | E-Class | $151.36 | $32.11 |
| 2021 | Audi | A6 | $176.48 | $32.54 |
Full Coverage vs. Liability Insurance Costs
Liability-only coverage is the cheapest form of car insurance. It only covers damage caused by the insured driver, while full coverage tackles all areas of insurance, like theft, property damage, injury, and even death.
|
Full-coverage policy
|
Liability-only policy
|
| $1,264 | $285 |
The Best North Dakota Car Insurance Companies
The three best automobile insurance companies in North Dakota are Grinnell Mutual, North Star Mutual, and American Family.
We used Everquote to find the market share for each insurance company listed below. We also researched the complaint index of each insurer. The average complaint index is 1.0, meaning any company with a score below this receive below-average complaints, signifying higher customer satisfaction.
You can see all the rankings below.
|
Insurance Company
|
Market Share
|
Percent of Total Complaints
|
Complaint Index
|
| Grinnell Mutual | 3.42% | N/A | 0.41 |
| North Star Mutual Insurance Co | 2.52% | N/A | 0.48 |
| American Family Insurance | 8.85% | N/A | 0.58 |
| Auto-Owners Insurance | 2.87% | N/A | 0.58 |
| Farmers Insurance | 3.29% | N/A | 0.74 |
| Liberty Mutual | 2.34% | N/A | 1.11 |
| National General Holdings Corp. | 8.56% | N/A | 1.27 |
| Progressive | 16.58% | N/A | 1.40 |
| State Farm | 13.65% | N/A | 1.42 |
| Allstate Corp. | 2.94% | N/A | 1.48 |
| USAA | 4.88% | N/A | 1.73 |
| Nationwide | 2.35% | N/A | 1.75 |
| Berkshire Hathaway Inc. | 3.66% | N/A | 2.56 |
Disclaimer: The figures presented in the ‘Complaint Index’ column are National Association of Insurance Commissioners (NAIC) ratings which we collected individually, via multiple sources.
Tips to Lower Insurance Premiums in North Dakota
Drivers in North Dakota can follow these tips to maximize discounts and minimize insurance premiums:
- Regularly shop around for discounted policies.
- Increase your credit score.
- Drive responsibly to sustain a good record and receive lower insurance quotes.
- Driving less often can result in lower rates, so consider walking or other transport for short trips.
Research Methodology
We used an in-state address to identify the cheapest used vehicles to provide the most relevant and accurate data for drivers in North Dakota. We applied the North Dakota address with a basic driver profile to research the forty-five vehicles mentioned above through an insurance quote generator.
Basic Driver Profile
- 35-year-old-male with a bachelor’s degree
- Single and employed full time
- Homeowner but did not bundle policies
- Owns the vehicle rather than leases or finances it
- Has been with the current insurance carrier for five or more years
We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.
We used the following limits for liability-only quotes:
- $100,000/$300,000 liability limits
- $100,000 property damage limits
- $10,000 personal injury protection
For the full-coverage quotes, we included the following coverages with the liability selections:
- $1,000 deductible on collision coverage
- $1,000 deductible for comprehensive coverage
- $50/$1,500 rental reimbursement
- $100 roadside assistance
Frequently Asked Questions
What is the cheapest SUV to insure in North Dakota?
The 2021 Mazda CX-30 is the cheapest used SUV to insure in North Dakota. Full-coverage insurance costs $77 a month. Buying liability-only insurance for a Mazda CX-30 is $29.
Are older cars cheaper to insure?
Older cars are less valuable than new ones, making them cheaper to insure. Repairing them and sourcing new parts is easier and cheaper, which equals cheaper insurance. Vintage and classic cars cost more to insure, however, since their parts are much harder to source.
How much liability insurance is required in North Dakota?
Those living in North Dakota must have car insurance that provides 25/50/25 coverage. This means a minimum of $25,000 of bodily injury payments per person, a $50,000 limit minimum per accident, and a property damage liability minimum of $25,000 per accident.
Drivers also legally need uninsured/underinsured motorist coverage and personal injury protection.
What is the penalty for driving without insurance in North Dakota?
Driving without the required car insurance in North Dakota is a class B misdemeanor. You can receive a fine of up to $1,500 and even get 30 days in jail for a second offense within a year. It’s also possible to have your license suspended until you can prove you have insurance.
What is the basic insurance for a car?
Basic car insurance is called liability-only insurance. This only covers the damage caused by the insured driver. If you are leasing a car, a lender may require you to have a full-coverage plan with comprehensive and collision insurance.
What car has the highest insurance rates?
luxury vehicles and supercars have the highest insurance rates. Collectors of specific vintage classic cars can also expect to pay high insurance rates. Their maintenance and repairs are costly and time-consuming, leading to higher insurance rates.
References
- (2023.) 2021 Top Safety Picks. Insurance Institute for Highway Safety. Retrieved April 18, 2023, from https://www.iihs.org/ratings/top-safety-picks/2021
- (2023.) Average Cost of Car Insurance in North Dakota for 2023. Bankrate. Retrieved April 18, 2023, from https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-north-dakota/
- (2023.) Penalties for Driving Without Insurance in North Dakota. ValuePenguin. Retrieved April 18, 2023, from https://www.valuepenguin.com/auto-insurance/north-dakota/penalties-driving-without-insurance
- (2023.) Largest Auto Insurance Companies in North Dakota. Everquote. Retrieved April 18, 2023, from https://www.everquote.com/blog/car-insurance/largest-companies-north-dakota/
- (2023.) Results by Complaint Index. NAIC. Retrieved April 18, 2023, from https://content.naic.org/
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
