Car Insurance with Bad Credit in North Dakota (2026)
Quick Answer
Bad credit in North Dakota increases car insurance by 44%, raising full coverage from $1,548/year to $2,229/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$129/mo
Poor Credit (1.44x)
$186/mo
Best Companies for Bad Credit in North Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $137/mo | $1,649/yr | Military families |
| Erie Insurance | $147/mo | $1,761/yr | Rate lock guarantee |
| GEICO | $152/mo | $1,828/yr | Clean driving record |
| Progressive | $163/mo | $1,962/yr | Telematics savings |
| State Farm | $169/mo | $2,028/yr | Good students |
| Travelers | $176/mo | $2,118/yr | Multiple discounts |
| Nationwide | $193/mo | $2,318/yr | Bundling home + auto |
| Farmers | $201/mo | $2,407/yr | Signal telematics |
| Allstate | $208/mo | $2,496/yr | Accident forgiveness |
| Liberty Mutual | $219/mo | $2,630/yr | New car replacement |
USAACheapest
Monthly
$137/mo
Annual
$1,649/yr
Best for: Military families
Erie Insurance
Monthly
$147/mo
Annual
$1,761/yr
Best for: Rate lock guarantee
GEICO
Monthly
$152/mo
Annual
$1,828/yr
Best for: Clean driving record
Progressive
Monthly
$163/mo
Annual
$1,962/yr
Best for: Telematics savings
State Farm
Monthly
$169/mo
Annual
$2,028/yr
Best for: Good students
Travelers
Monthly
$176/mo
Annual
$2,118/yr
Best for: Multiple discounts
Nationwide
Monthly
$193/mo
Annual
$2,318/yr
Best for: Bundling home + auto
Farmers
Monthly
$201/mo
Annual
$2,407/yr
Best for: Signal telematics
Allstate
Monthly
$208/mo
Annual
$2,496/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$219/mo
Annual
$2,630/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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