HomepageInsuranceCarThe Best North Dakota Auto Insurance Companies of 2021

The Best North Dakota Auto Insurance Companies of 2021

Fact-checked with HomeInsurance.com ​
Insurance Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    Reviews Report

    • USAA is the best car insurance company in North Dakota, earning a 4.8 out of 5
    • North Dakota is the cheapest state for car insurance in the country.
    • State law requires drivers to have PIP and uninsured/underinsured motorist coverage

    Finding the best North Dakota car insurance requires a bit of groundwork, but we’ve done the heavy lifting for you. We determined USAA and Progressive to be the top car insurance providers in North Dakota because of low premiums and great customer service, but American Family, 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, average premium costs, and financial strength.

    The 5 Best Auto Insurance Companies in North Dakota

    • USAA: Best North Dakota Car Insurance Company Overall
    • Progressive: Best Car Insurance Customer Service 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 Students

    Compare the Best Car Insurance Companies in North Dakota

    Full Coverage Annual Premium State Minimum Annual Premium Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin USAA$890.95$267.524.8A++897
    Pin Progressive$1,433.53$520.384.4A+837
    Pin American Family$906.86$370.124.6A839
    Pin Farmers$1,356.39$382.864A848
    Pin Allstate$1,617.42$560.294A+825

    Information accurate as of July 2021

    *Data provided by Coverage.com

    **J.D. Power’s 2021 Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale.

    USAA

    Best Overall Car Insurance

    Why we chose it

    With high customer satisfaction, strong financial ratings, and low premiums, USAA is the top North Dakota car insurance company for military members.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $267.52* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 897** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    With high customer satisfaction, strong financial ratings, and low premiums, USAA is the top North Dakota car insurance company for military members.

    Pros

    • Cheapest car insurance in North Dakota
    • Excellent customer service
    • Strong financial strength rating

    Cons

    • Only available to active and retired military
    • Few physical branch locations
    • Fewer than average discounts
    Read More

    Coverage Options

    • Comprehensive
    • Collision
    • Liability
    • Uninsured/underinsured
    • Full 
    • Rideshare

    Discounts Available

    • Multi-car
    • Good driver
    • New car
    • Garage
    • Loyal customer

    More USAA Insurance Reviews

    Progressive

    Best for Customer Service

    Why we chose it

    Progressive is the top North Dakota car insurance company available to civilians when it comes to customer satisfaction, so drivers can rest assured its representatives will be friendly, fast, and service is efficient.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $520.38* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 837** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is the top North Dakota car insurance company available to civilians when it comes to customer satisfaction, so drivers can rest assured its representatives will be friendly, fast, and service is efficient.

    Pros

    • Excellent customer service
    • A lot of discounts
    • Fast claims handling

    Cons

    • Some discounts not offered in every state
    • Quote process may look into your credit history
    • Will not insure expensive cars
    Read More

    Coverage Options

    • Gap insurance 
    • Roadside assistance
    • Medical
    • Deductible savings bank
    • Custom parts

    Discounts Available

    • Multi policy
    • Multi car
    • Pay in full
    • Good student
    • Homeowner 
    • Student away at college

    More Progressive Insurance Reviews

    American Family

    Best for Discounts

    Why we chose it

    American Family car insurance is a great option for drivers in North Dakota who want to save on auto insurance premiums through discounts, as it offers the most discounts than competitors.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $370.12* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 839** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family car insurance is a great option for drivers in North Dakota who want to save on auto insurance premiums through discounts, as it offers the most discounts than competitors.

    Pros

    • Plenty of additional coverage options
    • Wide variety of discounts
    • Strong financial strength

    Cons

    • Average customer satisfaction
    • Only available in 19 states
    • Not the best provider to bundle with homeowners insurance
    Read More

    Coverage Options

    • Gap coverage
    • Underinsured motorist
    • Rental reimbursement
    • Emergency road service
    • Accidental death and dismemberment
    • Medical expense

    Discounts Available

    • Loyalty
    • Multi-vehicle
    • Early bird
    • Multi-policy
    • Low mileage
    • Generational
    • Away at school
    • And more

    More American Family Insurance Reviews

    Farmers Insurance

    Best for Coverage Options

    Why we chose it

    Farmers Insurance offers a wide variety of additional coverage options for car insurance in North Dakota, going above and beyond basic protection.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $382.86* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers Insurance offers a wide variety of additional coverage options for car insurance in North Dakota, going above and beyond basic protection.

    Pros

    • Numerous discounts to choose from
    • Few complaints against it online
    • Easy to customize

    Cons

    • Only writes 6 month terms
    • Online quote tool isn’t comprehensive
    • Average customer satisfaction rating
    Read More

    Coverage Options

    • Liability
    • Comprehensive
    • Collision
    • Uninsured motorist
    • Windshield and glass
    • Gap coverage
    • Accident forgiveness
    • Guaranteed value
    • New car replacement

    Discounts Available

    • Distant student
    • Multi-car
    • Safe driver
    • Multi-policy
    • Homeowner
    • Good student

    More Farmers Insurance Reviews

    Allstate

    Best for Students

    Why we chose it

    Drivers and students under 25 years old can find specific savings and discounts with Allstate through its smart student discount and accident forgiveness.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $560.29* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Drivers and students under 25 years old can find specific savings and discounts with Allstate through its smart student discount and accident forgiveness.

    Pros

    • Numerous ways for students to save on policies
    • Strong financial strength
    • Great claims-free rewards program

    Cons

    • Average customer satisfaction scores
    • Only sells 6 month plans
    • Online quote tool could be better
    Read More

    Types of Coverage Offered

    • Uninsured/underinsured
    • PIP
    • Rental reimbursement
    • Roadside assistance
    • Gap coverage

    Discounts Available

    • New car
    • Defensive driver
    • Multi-policy
    • Good student
    • Paperless billing
    • Pay in full
    • Responsible payer

    More Allstate Insurance Reviews

    *Data provided by Coverage.com

    **J.D. Power’s 2021 Auto Insurance Satisfaction 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? It’s an easier state than most. That’s because North Dakota is the cheapest state for car insurance in the United States, according to the Insurance Information Institute. The average driver pays just $686.08 per year. This is a lot cheaper than Louisiana, which is the most expensive state at $1,545.82 a year. It’s also cheaper than the U.S. average of $1,056.55.

    North Dakota is likely the cheapest state because of its low population, no-fault insurance laws, and low amount of crashes each year. It’s always been low, but the North Dakota insurance department reports that the state only had 17,076 crashes in 2010, and in 2019 that number dropped down to 14,221. 

    Top 3 Cheapest Car Insurance Companies in North Dakota

    CompanyAverage Annual Premium
    Nodak Insurance Company$238.51
    Grinnell Mutual$243.71
    USAA$267.52

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in North Dakota

    CompanyAverage Annual Premium
    Metropolitan$918.76
    QBE Insurance$656.95
    Allstate$560.29

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in North Dakota

    CityAverage Annual Premium*
    Jamestown$567.98
    Wahpeton$570.52
    Devils Lake$575.04

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in North Dakota

    CityAverage Annual Premium*
    Fargo$634.49
    Minot$624.62
    Grand Forks$622.77

    * Data provided by Coverage.com, price based on the state minimum required policy.

    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 12 states that is a no-fault state. In a no-fault state, each driver is financially responsible for paying for his or her injuries after a car accident. This is important to know because as of IHS’s latest report, North Dakota has a 13.1 death rate per 100,000 travelers, which is higher than the national average of 11. According to North Dakota’s DMV crash summary , in 2019:

    • There were 14,221 crashes statewide, which resulted in 100 deaths and 4,258 injuries
    • From 2014 to 2019, men were 2.7 more likely to die in a car crash than women, contributing to higher premiums for men in the state.
    • Teen drivers contributed to 18% of all accidents in North Dakota in 2019.

    North Dakota Minimum Insurance Requirements

    Though state requirements vary state by state, North Dakota falls in line with many other states when it comes to basic coverage. Currently 16 other states require the same amount of 25/50/25 coverage. 

    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: $30,000 per person 
    • Uninsured/underinsured motorist coverage: $25,000 for bodily injury per person 

    North Dakota’s No-Fault Law

    North Dakota is a no-fault state, which means each driver’s insurance pays for any damages or injuries regardless of who was at fault. This is why each driver is required to purchase personal injury protection. 

    Because North Dakota is a no-fault state, if you’re in an accident you can’t sue other drivers as easily as you could in an at-fault state. The plus side is that you’ll get faster payouts due to the fact that insurance companies don’t need to investigate anything. 

    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.

    North Dakota Car Insurance FAQ

    Methodology

    Reviews.com scores products, services, and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in North Dakota, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in North Dakota, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Lauren Ward

    Lauren Ward Contributing Writer

    Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.

    Table Of Contents