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• In 2025, North Dakota’s average auto insurance premiums remain well below the national average (NerdWallet; The Zebra).
• State law requires liability, personal injury protection (no-fault) and uninsured/underinsured motorist coverage (North Dakota Insurance Department).

Finding the best North Dakota car insurance requires a bit of groundwork, but we’ve done the heavy lifting for you. We determined USAA (for eligible military families) and American Family to be among the top car insurance providers in North Dakota because of competitive premiums and strong satisfaction, but Progressive, Farmers, and Allstate should also be strongly considered by every driver. To determine who the best providers are in North Dakota, we looked at customer service and satisfaction (J.D. Power 2024 Central region), average premium costs informed by 2025 statewide analyses (Bankrate, NerdWallet), and financial strength.

The 5 Best Auto Insurance Companies in North Dakota

• USAA: Best for eligible military families in North Dakota
• Progressive: Best for usage-based and high-risk drivers in North Dakota
• American Family: Best Car Insurance Company in North Dakota for Discounts
• Farmers: Best North Dakota Car Insurance for Coverage 
• Allstate: Best North Dakota Car Insurance Company for Student Savings

Information current as of 2025.

* Statewide average cost references use 2025 analyses by Bankrate (Quadrant Information Services), with corroborating state averages from NerdWallet, The Zebra, and ValuePenguin.

**J.D. Power’s 2024 U.S. Auto Insurance Study for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.

* Statewide average cost references use 2025 analyses by Bankrate (Quadrant Information Services), with corroborating state averages from NerdWallet, The Zebra, and ValuePenguin.

**J.D. Power’s 2024 U.S. Auto Insurance Study for the Central region. Based on a 1,000-point scale.

The Average Cost of Car Insurance in North Dakota

Looking for cheap car insurance in North Dakota? You’re in luck: 2025 estimates place the state’s average premiums well below the national average. Full coverage typically runs about $1,450–$1,650 per year and minimum coverage about $300–$450 per year (roughly $120–$140 and $25–$40 per month, respectively), based on recent analyses from Bankrate, NerdWallet, The Zebra, and ValuePenguin. Recent national averages for full coverage are commonly in the upper $2,000s, keeping North Dakota among the more affordable states.

North Dakota’s comparatively low population density, no-fault insurance laws, and historically lower claim frequency help support lower premiums. At the same time, safety data show roughly around 100 motor vehicle fatalities in 2023 and a per-mile fatality rate above the national average due largely to rural exposure (IIHS state facts). For current, in-state counts and contributing factors, see the Vision Zero ND crash dashboard.

Top 3 Cheapest Car Insurance Companies in North Dakota

* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see Bankrate and NerdWallet.

Top 3 Most Expensive Car Insurance Companies in North Dakota

* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see Bankrate and NerdWallet.

Top 3 Cheapest Cities for Car Insurance in North Dakota

* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see Bankrate and NerdWallet.

Top 3 Most Expensive Cities for Car Insurance in North Dakota

* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see Bankrate and NerdWallet.

North Dakota Car Insurance: What You Need to Know

North Dakota car insurance is a little unique when compared to other states. North Dakota is one of the country’s no-fault states: after a crash, each injured person first uses personal injury protection (PIP) benefits regardless of fault. This is important context because, per IIHS’s latest state report, North Dakota’s fatality risk per mile traveled is above the national average due largely to rural exposure; the Vision Zero ND crash dashboard provides current, preliminary in‑state counts and contributing factors.

• In 2023, North Dakota recorded roughly around 100 motor vehicle deaths, and deaths per 100 million vehicle miles traveled were above the U.S. average (IIHS).
• Observed seat belt use in 2024 was below the national average, a factor consistently overrepresented in fatal outcomes (NHTSA).
• Impairment and speed remain leading contributors to fatal and serious-injury crashes in North Dakota (Vision Zero ND).

North Dakota Minimum Insurance Requirements

North Dakota requires at least 25/50/25 liability coverage, plus no-fault (PIP) and uninsured/underinsured motorist coverage on every policy (see the Insurance Department and N.D.C.C. ch. 26.1-41).

Minimum liability required in the state of North Dakota is divided as follows:

• $25,000 bodily injury coverage per person.
• $50,000 bodily injury coverage per accident
• $25,000 for property damage.

Drivers are also required to have PIP as well as underinsured/uninsured motorist coverage, which is determined as:

• Personal injury protection: at least $30,000 per person 
• Uninsured/underinsured motorist coverage: $25,000 per person / $50,000 per accident for bodily injury 

North Dakota’s No-Fault Law

North Dakota is a no-fault state, which means each driver’s insurance pays for medical and certain economic losses under personal injury protection (PIP) regardless of who was at fault (Insurance Department).

Because North Dakota is a no-fault state, lawsuits for injuries are limited until a statutory tort threshold is met (for example, a monetary threshold or specified serious injury). The tradeoff is typically faster initial medical payments through first-party PIP benefits (N.D.C.C. ch. 26.1-41).

North Dakota’s no-fault laws also means that it has modified comparative negligence laws; if you are more than 50% at fault in an accident, you can’t sue. Therefore, if it’s determined that  you are 20% at fault in an accident, you can sue the other driver for 80% of any damages done to you. 

Additional Car Insurance Coverage in North Dakota

• Collision: This type of coverage pays for damages to your car regardless of how it was damaged while driving. For example, should you swerve and hit a stop sign, collision will pay for your repairs.
• Comprehensive: Comprehensive coverage helps pay for repairs or replacement when your car is damaged or stolen in an incident that doesn’t involve another car. This is best suited for weather-related incidents, such as hail or falling trees. 
• Towing and Labor Cost: If you feel your car is unreliable, or don’t know what you would do if you had to change a tire, towing and labor cost coverage helps protect you. With this coverage, you get:
  • Gas/oil delivered
  • Jump starts
  • Locksmith
  • Tire changes
  • Towing
• Gap Coverage: Should your car get stolen or totaled, gap coverage pays off your auto loan if you owe more than what your provider reimburses you afterwards due to depreciation.

North Dakota DUI laws

If you’re convicted of drinking and driving in North Dakota, you can expect a fine, possible jail time, and a suspension of your driver’s license. You will also have a class B misdemeanor on your record. The severity of the penalties depends on your BAC level and number of past offenses. For example, have four or more offenses within a 15-year timespan, it’s considered a class C felony, which means the fines are much higher and the jail time goes up to at least a year. After certain violations, an SR-22 filing may be required to reinstate driving privileges (NDDOT SR-22).

North Dakota Car Insurance FAQ

Methodology

Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers (including regional performance from J.D. Power’s Central region).

As for average pricing, we used 2025 state-level datasets to triangulate North Dakota costs, including Bankrate (Quadrant Information Services), NerdWallet, The Zebra and ValuePenguin. For full coverage, the details used were the following:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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