Best Car Insurance in North Dakota for 2025 [Check out the Top 10 Companies]

State Farm, Progressive, and Geico offer the best car insurance in North Dakota for their overall package deals.

State Farm’s affordable policies, along with its 17% bundling discount, put it on top of our list. Progressive is rated A+ by AM Best and provides a unique budgeting tool. Geico consistently offers competitive rates and 10% bundle savings.

Consider adding this car insurance guide to your reading list. It will help you understand every detail of car insurance in North Dakota and drive with security and peace of mind. Check the top 10 companies offering the best car insurance in North Dakota below.

Our Top 10 Company Picks: Best Car Insurance in North Dakota

Compare car insurance coverage rates in ND by entering your ZIP code.

#1 – State Farm: Top Overall Pick

Pros

• Prompt Claim Response: Contact the claimant immediately in just one business day after the claim is filed. Check the filing process in our State Farm car insurance review.
• Extensive State Coverage: Over 19,000 agents can handle your concerns and claims and expedite the repayments.
• Package Deal Savings: When you bundle insurance, such as car, condo, or multi-vehicle insurance, you can save up to $1273 annually.

Cons

• Limited Savings Opportunities: State Farm might not have as many local agents in North Dakota as regional insurers, which could impact individualized care.
• Higher Policy Cost: For some drivers, State Farm is less affordable because its rates in North Dakota are often higher than those of its competitors.

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#2 – Progressive: Best for Budgeting Tools

Pros

• Deductible Savings Bank: Each claim-free and violation-free policy period lowers your collision and comprehensive deductibles by $50, bringing your deductible down to $0.
• Advanced Digital Resources: Customers can use digital apps for hassle-free transactions anytime and anywhere.
• Name Your Price Tool: According to our Progressive car insurance review, drivers can customize their policy to suit their budget.

Cons

• Premium Hikes: Premiums tend to be expensive, especially for high-risk drivers with past tickets, accidents, and poor credit.
• Inconsistent Support Quality: Some North Dakota drivers experienced slower response on claims compared to other insurers.

#3 – Geico: Best for Competitive Rates

Pros

• Wallet-Friendly Rates: According to our Geico car insurance review, the company offers cheap car insurance rates in North Dakota, starting at just $61 monthly for full coverage.
• Diverse Discounts Options: Besides its low rates, it offers various discounts to reduce your premiums even further, such as 25% bundle savings.
• Seamless Digital Experience: Geico Express, Accident Assistant, and Virtual Assistant Kate are helpful in all transactions, such as getting discounts, filing claims, etc.

Cons

• Mixed Customer Feedback: In J.D. ratings, Geico scored 692 out of 1,000 on the Power 2024 Claims Satisfaction Study, which is lower than the average of 697.
• Fewer Local Agents: It primarily operates online, so there are few in-person local agents, which is a disadvantage for customers who like face-to-face interactions.

#4 – Farmers: Best for Customized Coverage

Pros

• Insurance for Classic and Vintage Vehicles: As our Farmers car insurance review mentioned, this policy covers collector cars’ unique needs and worth.
• Vanishing Deductibles: When no claims are filed, deductibles will be reduced yearly up to $50, and this reduction will continue if the policyholder remains claims-free.
• Advanced Telematics Program: A smartphone app called Signal is designed to track driving behaviors and reward drivers with 15% savings on their car insurance costs.

Cons

• Higher-Than-Average Premiums: The average annual cost of their full coverage premiums is over $3,091, which is almost 50% more than the national average of $1,204.
• Mixed Customer Satisfaction: Farmers scored 802 out of 1,000 on the Power 2024 Auto Claims Satisfaction Study, worse than the average of 820.

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#5 – Allstate: Best for Accident Forgiveness

Pros

• Accident Protection Policy: Cash benefits cover ambulance service and other expenses. The Allstate car insurance review is the best way to learn more about this policy.
• Inclusive Coverage Plan: It offers comprehensive accident, uninsured motorist, and liability auto insurance in North Dakota.
• Established State Presence: The company has several local agents who are equipped to offer a variety of insurance services.

Cons

• Pricier Coverage: The average monthly cost of full coverage auto insurance in North Dakota is about $136, far less than the $261 national average.
• Lower Customer Satisfaction: In the J.D. Power 2024 Customer Satisfaction Study,  Allstate received a lower score of 806 out of 1,000 than the average of 820.

#6 – USAA: Best for Military Benefits

Pros

• Low-Cost and Distinctive Protection: USAA car insurance is centered on military members, offering the lowest possible rate of $12 a month for minimum coverage.
• Travel Coverage Opportunities: It offers programs like roadside assistance, rental car, travel accident, trip interruption, and overseas coverage.
• Wide-Ranging Savings: Savings with bundling discounts are up to 10%, and safe driver discounts are 10-30%. Check other discounts in this USAA car insurance review.

Cons

• Limited Eligibility: Civilians in North Dakota may not be eligible to get car insurance policies because it is military-focused.
• Risk of Prolonged Claim Processing: Customers are dissatisfied with the slow claim response and sudden price hikes.

#7 – Nationwide: Best for Vanishing Deductibles

Pros

• Inclusive Protection Plans: Nationwide’s car insurance review highlights the importance of Your Side Claims Service and On Your Side Auto Repair Network.
• Vanishing Deductibles: Discounts of up to $100-$500 deductibles every year until they entirely vanish.
• Useful Digital Tools: Digital tools allow for managing all transactions, which is more convenient than going to the actual store.

Cons

• Higher Cost for Some Policyholders: High-risk drivers face a monthly premium of $77 for full coverage, compared to the average premium in North Dakota, which is $72.
• Limited Range of Discount Benefits: The available discounts vary, and some policyholders noticed it did not reduce their premiums compared to competitors.

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#8 – Liberty Mutual: Best for Flexible Add-Ons

Pros

• Flexible Add-Ons: Liberty Mutual’s car insurance review reveals that the company offers roadside assistance, rental car reimbursement, new car replacement, and accident forgiveness.
• Exceptional Discounts: Violations-free discounts, multi-car discounts, and RightTrack offer 10-30% savings on your premiums.
• New Car Replacement Coverage: A totaled vehicle less than a year old or less than 15,000 miles on it will be replaced with a brand-new car of the same make and model.

Cons

• Expensive Rate for High-Risk Drivers: Rates are higher than those of other insurers and significantly higher for drivers with bad driving records.
• Lengthy Claim Procedure: The procedure is time-consuming, resulting in resolution delays even when the support is highly needed.

#9 – American Family: Best for Loyalty Discounts

Pros

• Usage-Based Insurance Programs: Safe drivers can receive up to 25% off their auto insurance premiums by participating in programs like KnowYourDrive.
• Large Bundling Discounts: By combining their home and vehicle insurance policies, policyholders can reduce their premiums and save up to 25%.
• High Customer Satisfaction: Our American Family car insurance review highlights the company’s highly rated customer service and fast claim repayments.

Cons

• Restricted Endorsements and Add-Ons: American Family offers fewer optional coverages than some of its competitors, which might restrict policy customization.
• Exclusive Availability: Policyholders who move or need coverage in several states may find American Family’s 19-state operation restricted.

#10 – Travelers: Best for Safe Drivers

Pros

• Safe Driver Savings: Our Travelers car insurance review discusses the IntelliDrive® program, which tracks driving habits. Safe drivers can earn prizes to save up to 30%.
• Competitive Rates and Discounts: Customers can save up to 13% on their auto policy premiums by combining their home and auto insurance policies.
• High Level of Local Agent Support: When help is needed, prompt assistance and individualized service are guaranteed by this local support.

Cons

• Pricier Coverage Options: Its rates are often higher than those of other large insurers, such as Geico and Progressive.
• Challenges With Customer Service: Several policyholders have issues during the claims process, as well as disrespectful conduct from claims adjusters.

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Car Insurance Monthly Rates by Coverage and Provider

Here are the best car insurance in North Dakota and monthly rates for you to check out.

North Dakota Car Insurance Monthly Rates by Provider & Coverage Levell

The cheapest is USAA, with a minimum coverage rate of $12 and full coverage rates of $44. However, Liberty Mutual is surprisingly high, considering that the state had the lowest rates across the U.S.

The difference is a whopping $98 in minimum coverage and $354 in full. What a number!

Read more: American Family vs. Liberty Mutual Car Insurance

Car Insurance Monthly Rates by Age & Gender

Most of you probably know that having a teen driver will increase your premium. They have the obvious problem of inexperience on the road, which decreases over time, leading to significant drops in insurance rates. Does being male or female make a difference? What about marital status?

We compiled the rates of some of the largest insurance carriers in North Dakota for different age groups, marital statuses, and genders.

North Dakota Car Insurance Monthly Rates by Provider, Age, & Gender

Teen drivers can cost thousands more than older drivers, and females tend to pay slightly less than males.

Read more: Benefits of teaching your teen to drive

Cheapest Rates by Zip Code and City

Another factor determining your rates is where you live and your ZIP code. For the average North Dakotan, rates are low, but they can vary widely based on the city. We took the same companies from above and rated them for North Dakota zip codes and cities.

From this map, we will discuss further through the table provided below.

North Dakota Car Insurance Monthly Rates by City & ZIP Codes

Therefore, your ZIP code also plays a huge factor in determining your North Dakota car insurance quotes. Check out the cheapest car insurance companies in North Dakota.

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Best Car Insurance Companies in North Dakota

We know that you need insurance to be a legal driver in North Dakota. So, which company had the best car insurance rates in North Dakota? Well, that depends on many factors.

Insurance companies take into consideration different factors that affect car insurance rates. Some may rate heavier on your driving record, while others look more at your credit history. By comparing these different rates, you can know where you may find the best rate for your needs.

A.M. Best is a popular company that measures the financial stability of car insurance companies. Why does the financial rating of these companies matter to you?

North Dakota Car Insurance Financial Ratings by Top Providers

As shown in the table above, all the top pick companies had high financial ratings. Most had an A and A+ rate with only State Farm with B, which isn’t so bad.

If a company is financially stable, the next thing you want to look at is their customer service. No one wants to deal with loss and poor customer service. Long hold times and unhelpful customer service reps can make your insurance experience a bad one.

JD Power takes real customer experiences and charts companies’ performance.

Let us try to compare the average car insurance rates by company vs the state average in North Dakota.

All companies are above the state average, with Allstate at the highest at 76% and State Farm at the lowest at 12%.

Companies With the Most Complaints in North Dakota

There is always some bad with the good. Even the best companies may have complaints filed against them for the most common reasons for issues encountered when filing a car insurance claim. Check this table.

North Dakota Car Insurance Complaint Index

The figure displays insurance firms’ ratings according to the premium writing and complaint index. State Farm had the highest number, with a 1.5 complaint index, while USAA had the lowest, at 0.9.

Read more: Strategies on how to negotiate in filing a claim after an accident

Cheapest Insurance Companies in North Dakota

We all want to find the best coverage at the cheapest rates. To get the cheapest car insurance in North Dakota, you have to know the North Dakota car insurance quotes. We sampled rates from the largest companies and compared them to the state average.

North Dakota Car Insurance Cheapest Monthly Rates by Provider vs. U.S. Average

North Dakota does not have long commuter times, but insurance companies often rate your premium based on how far you drive daily.

Car Insurance Monthly Rates in North Dakota by Provider & Annual Mileage

Some companies, like Farmers and USAA, do not rate based on commuting times. So, if you commute to work, you can choose a company that does not charge for it.

Moreover, there are bundles of joy prepared for you in the list of discounts below.

Car Insurance Discounts From the Top Providers in North Dakota

North Dakota auto insurance is already the cheapest, but there are still more ways to lower your monthly rates. Check this guide to lower your premiums. 

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Coverage Level Rates by Companies

More coverage means more premium, right? Not necessarily. Take a look at Liberty Mutual on the chart below.

North Dakota Car Insurance Monthly Rates by Provider & Coverage Level

A higher coverage actually costs less than a lower coverage. Also, you can see some higher coverage at one company is the same cost as a lower coverage at another. Shopping around and getting multiple quotes always pays off for the best coverage at the cheapest rates.

Read more: Guide on understanding your coverage and policy

Credit History Rates by Companies

Credit history is not one of those factors a consumer thinks of when shopping for insurance. You usually think bigger purchases, like a home or car, would rate heavily on your credit.

North Dakota Car Insurance Monthly Rates by Credit Score

The truth is your credit follows you even with your insurance premium. For instance, Liberty Mutual charges almost $10,000 more for poor credit versus good credit. But if you are a driver who does not really drive often, you can options like cheap one-day car insurance to save more.

Driving Record Rates by Companies

One of the most obvious factors in your rate is your driving record. Want to know how much that ticket is going to cost you?

In addition to court fees and fines, it can cost you anywhere from a couple hundred dollars to upwards of a thousand.

Car Insurance Monthly Rates in North Dakota by Driving Record

A DUI conviction is by far the most costly. Not only with your insurance, as we see above, but we will take a deeper look later to see how much that DUI conviction can impact your driver’s license and your wallet.

Read more: How to keep your insurance and your car safe 

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Largest Car Insurance Companies in North Dakota

Let’s take a look at the largest companies available in North Dakota and their market share.

Further, the table below includes factors like direct premiums, loss ratio, and market share.

North Dakota Car Insurance by Market Share

But do not worry. There are almost 800 insurers in North Dakota, so you have more options than you could ever imagine.

We classify insurers as domestic and foreign. There are 12 domestic and 786 foreign insurers. Know if your best car insurance company is domestic or foreign.

Car Insurance Coverage in North Dakota

If you want to drive in North Dakota, you will need car insurance and meet the state’s minimum limits to drive on North Dakota roadways. The map below shows the rates in different states, and North Dakota is luckily on the cheaper color code.

North Dakota car insurance requirements are 25/50/25. The North Dakota Insurance Department has the following information listed on their site:

The coverages and minimum car insurance in North Dakota as mandated by law are:

• Bodily injury liability – $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident).
• Property damage liability – $25,000 per accident. Property damage liability provides coverage for claims brought against you for damage caused to someone else’s property through the operation of your vehicle.
• Uninsured motorist coverage – $25,000 per person/$50,000 per accident. Uninsured motorist provides you coverage for a bodily injury claim you would have against another driver who does not have insurance.
• Underinsured motorist coverage – underinsured motorist coverage must be equal to the uninsured motorist coverage.
• Basic no-fault – $30,000 per person. Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury without regard to fault.

Remember that this is the minimum required amount, according to the North Dakota Insurance Department. Suppose you get into an accident and damages exceed your coverage limits.

In that case, your insurance company only pays your limits, and you could be liable for the remaining amount. Find out how much car insurance you need.

You have at least the required minimum amount of insurance, but how do you prove it? That is called a form of financial responsibility.

The following can be used for proof of insurance in North Dakota:

• Valid insurance cards showing liability coverage
• Copy of insurance policy
• Electronic proof on your smartphone or electronic device

Driving without insurance in North Dakota can lead to some hefty fines and consequences. It could be a ticket requiring you to submit proof of coverage to your local courthouse. The state can also suspend your license or charge you fees.

Financial Burden for Insurance in North Dakota

Let’s see how much of your income will keep you legally on the road. Here is some data about the best car insurance rates in North Dakota.

North Dakota Car Insurance Annual Disposable Income

So, how does North Dakota compare to the rest of the country? It’s pretty good, as its income percentages are the lowest in the country. The neighboring state, South Dakota, ranks sixth in lowest income percentages.

While the average cost could be a low dollar amount, it must be balanced against one’s total disposable income to determine affordability.

The following rates were taken from the National Association of Insurance Commissioners. North Dakota rates are lower in three out of the four categories than the national averages for insurance rates.

Lucky for North Dakota drivers, the different coverage rates are considered the lowest among all the states. You can check this further in this summative review of the car insurance rates by state.

North Dakota Car Insurance Monthly Rates by Coverage Type

Liability coverage in North Dakota is measured according to the loss ratio, which indicates a company’s financial health.

In layman’s terms, it is the ratio of the money a company pays in claims to the amount it earns in premiums. If the percentage is too high, the company is not making money and could be under financial stress.

Car Insurance Loss Ratios in North Dakota

Medical payment coverage is for medical payments only. This is additional coverage for anyone in the vehicle, regardless of fault.

Whereas additional liability coverages do increase the premium, if a loss occurs, there could be less stress when paying the claim.

We have compiled a list of affordable coverages you can opt to add to your policy.

• Gap insurance
• Umbrella
• Rental reimbursement
• Roadside assistance
• Mechanical breakdown insurance (MBI)
• Non-owner coverage
• Modified car insurance
• Classic car insurance

As always, you can sit down with an agent and review your needs to ensure there is no gap in your coverage with your needs.

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Car Insurance Laws in North Dakota

All rates and regulations are state-specific and overseen by the National Association of Insurance Commissioners. On the NAIC website, you can find the following regulations of North Dakota:

Regarding rate filing, a rate/rule filing of less than 5 percent for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard.

North Dakota auto insurance laws do not have state-specific mandates regarding repairing or using aftermarket parts. Just because there is no law does not mean you do not have coverage. Some companies have coverage under their comprehensive coverage, and you can opt to use car insurance to replace your windshield.

High-Risk Insurance in North Dakota

Are you having difficulty finding insurance due to speeding tickets and other moving violations? Just because you are having a harder time finding insurance to cover you doesn’t mean you do not have to have it.

If you have difficulty finding insurance, the North Dakota Automobile Insurance Plan might be the next place to seek coverage.

Although this plan is higher than premiums in the normal market, it is available to drivers with a less-than-perfect record needing insurance.

SR-22 is also a type of filing some drivers may be required to have when looking for insurance. Reasons for obtaining SR-22 insurance through your provider could be driving under the influence or driving with a suspended license. This filing will also cost drivers more than the average driver.

Automobile Insurance Fraud in North Dakota

Sadly, insurance fraud amounts to $30 billion over a five-year period. That is a lot of money that can eventually be recovered by raising premiums across the board.

Insurance fraud can range from soft to hard. Soft fraud refers to infractions like making a legitimate claim bigger to get more money, while hard fraud is a planned activity, such as faking a car accident.

Both types of fraud are illegal and should be reported. If you ever suspect fraud, please contact the North Dakota Insurance Department.

Yet, of course, in case of legal claims, consider the Statute of limitations implemented by the state.

It actually refers to the time frame you have to file a claim. Legally, you only have a certain amount of time to file for losses from the time of loss. It is always best to file the claim immediately. Lastly, insureds must file a claim for six years for property damages and personal injuries.

Compare your rates and get the best car insurance in North Dakota. Don’t forget to use our free comparison tool to get started.