Car Insurance After an Accident in North Dakota: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in North Dakota increases insurance by 34%, raising full coverage from $1,548/year to $2,074/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$129/mo
After At-Fault Accident (+34%)
$173/mo
Cheapest Companies After Accident in North Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $128/mo | $1,535/yr | Military families |
| Erie Insurance | $137/mo | $1,638/yr | Rate lock guarantee |
| GEICO | $142/mo | $1,701/yr | Clean driving record |
| Progressive | $152/mo | $1,825/yr | Telematics savings |
| State Farm | $157/mo | $1,887/yr | Good students |
| Travelers | $164/mo | $1,970/yr | Multiple discounts |
| Nationwide | $180/mo | $2,157/yr | Bundling home + auto |
| Farmers | $187/mo | $2,240/yr | Signal telematics |
| Allstate | $194/mo | $2,323/yr | Accident forgiveness |
| Liberty Mutual | $204/mo | $2,447/yr | New car replacement |
USAACheapest
Monthly
$128/mo
Annual
$1,535/yr
Best for: Military families
Erie Insurance
Monthly
$137/mo
Annual
$1,638/yr
Best for: Rate lock guarantee
GEICO
Monthly
$142/mo
Annual
$1,701/yr
Best for: Clean driving record
Progressive
Monthly
$152/mo
Annual
$1,825/yr
Best for: Telematics savings
State Farm
Monthly
$157/mo
Annual
$1,887/yr
Best for: Good students
Travelers
Monthly
$164/mo
Annual
$1,970/yr
Best for: Multiple discounts
Nationwide
Monthly
$180/mo
Annual
$2,157/yr
Best for: Bundling home + auto
Farmers
Monthly
$187/mo
Annual
$2,240/yr
Best for: Signal telematics
Allstate
Monthly
$194/mo
Annual
$2,323/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$204/mo
Annual
$2,447/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses