Best Car Insurance In North Dakota

Key Points:

• State Farm is the largest insurer in the U.S. and tops our lists for both the best provider nationwide and the best choice for drivers in North Dakota.
• North Dakota is a no-fault state, meaning you’ll need to file claims with your own insurance company after an accident, regardless of fault.
• Drivers in North Dakota pay an average of $1,238 per year or $103 per month for full coverage car insurance.

In North Dakota, you can take your pick of well-known national car insurance brands like State Farm or more local options like Nodak Insurance Company. Before you commit to just any provider, though, you should compare quotes to see what the best car insurance companies can offer in the Flickertail state.

We’ve researched dozens of auto insurance companies to compare and rate each based on coverage options, customer reviews, industry ratings, and more. In this article, we’ll give you our rundown of the best car insurance companies in North Dakota. Each provider offers different coverage options and discounts, so drivers from all walks of life can find the right coverage for an affordable price.

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What Is The Best Car Insurance Company In North Dakota?

Based on our industry-wide provider research, we like State Farm for most North Dakota drivers. State Farm offers great coverage selection, budget-friendly pricing, and positive reviews. However, drivers interested in usage-based insurance can find great discounts with Progressive, while Geico offers dependable full-coverage auto insurance rates.

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in North Dakota.

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5 Best Car Insurance Companies In North Dakota

We break down key coverage details for each of the best insurance companies you can work with in North Dakota below. All rate estimates are based on the profile of a 30 year-old male with good credit and a clean driving record driving a 2020 Honda CR-V.

#1 State Farm: Best Overall Provider

Full Coverage Auto Insurance Cost: $1,155 per year, $96 per month
Minimum Liability Auto Insurance Cost: $397 per year, $33 per month
North Dakota Customer Service Rating: 833/1,000 points
Claims Satisfaction Rating: 891/1,000 points

State Farm offers relatively low rates across the board in North Dakota, but especially for high-risk drivers in the state. The company also offers many discounts that apply to students, teen drivers, and families. State Farm took the top spot in our insurance provider ratings, primarily due to its nationwide affordability, broad selection of coverage options, and unique discount opportunities.

Learn more about this company by reading our full State Farm auto insurance review.

#2 Progressive: Affordable Coverage For North Dakota Drivers

Full Coverage Auto Insurance Cost: $1,139 per year, $95 per month
Minimum Liability Auto Insurance Cost: $373 per year, $31 per month
North Dakota Customer Service Rating: 803/1,000 points
Claims Satisfaction Rating: 870/1,000 points

Progressive offers some of the most affordable full and minimum coverage insurance policies for drivers in North Dakota. Progressive started out as a provider for high-risk drivers, or those with poor credit or speeding tickets, DUIs, at-fault accidents in their driving history. Today, it’s an affordable provider for many drivers in the Flickertail state, especially with its usage-based program that rewards safe drivers with discounts.

To learn more about this provider, read our Progressive auto insurance review.

#3 Geico: Most Affordable Full Coverage

Full Coverage Auto Insurance Cost: $1,006 per year, $84 per month
Minimum Liability Auto Insurance Cost: $454 per year, $38 per month
North Dakota Customer Service Rating: 819/1,000 points
Claims Satisfaction Rating: 871/1,000 points

Geico may be one of the most recognizable providers in the U.S. because of its heavy advertising. But a talking gecko isn’t the only thing that’s made Geico one of the top insurers in the country. Geico offers the lowest average rates in the state for full coverage policies, including for drivers with a bad credit score. It also has a wide variety of car insurance discounts to save you even more money.

Learn more about the company by reading our Geico auto insurance review.

#4 American Family: Great Coverage For Teens

Full Coverage Auto Insurance Cost: $1,161 per year, $97 per month
Minimum Liability Auto Insurance Cost: $550 per year, $46 per month
North Dakota Customer Service Rating: 837/1,000 points
Claims Satisfaction Rating: 882/1,000 points

American Family is a well-established name in the insurance industry and offers low rates for young drivers in North Dakota. Also, if you’ve had a recent at-fault accident in the Flickertail state, we recommend checking with American Family to see if it’s the cheapest company for you. 

Read more about cost, coverage, and customer reviews in our in-depth American Family insurance review.

#5 Nodak Insurance Company: Superior Local Coverage

Full Coverage Auto Insurance Cost: $1,233 per year, $103 per month
Minimum Liability Auto Insurance Cost: $526 per year, $44 per month
South Dakota Customer Service Rating: N/A
Claims Satisfaction Rating: N/A

Nodak Insurance Company is headquartered in Fargo, North Dakota and provides communities across the state with access to friendly, local insurance agents and coverage. We like Nodak Mutual for North Dakota drivers because of its well-rounded coverage options, including comprehensive and liability coverage with new car replacement for eligible vehicles. Nodak also provides discounts tailored to teen drivers.

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North Dakota Car Insurance Requirements

North Dakota state law requires drivers to maintain at least  25/50/25 liability insurance coverage, 25/50 uninsured motorist coverage, and $30,000 in personal injury protection. North Dakota is a no-fault state, which means that drivers file claims with their own insurance companies after an accident, regardless of who was at fault. See the table below for a full explanation of North Dakota car insurance requirements.

Drivers caught on the road without the state minimum coverage are subject to the following penalties:

• First offense: Drivers face a fine between $150 and $1,000 and a suspension of their license until proof of insurance is provided.
• Second offense: Drivers face a fine between $300 and $5,000, jail time up to 30 days, suspension of their license until showing proof of insurance, and impounded plates until showing proof of insurance and paying a $20 fee.

While liability insurance, personal injury protection, and uninsured/underinsured motorist coverage are the only coverages legally required in the state of North Dakota, it’s always a good idea to purchase full coverage auto insurance. This expanded policy will protect your finances in the event your vehicle is damaged. Smart drivers should consider purchasing collision and comprehensive car insurance coverage in addition to the policies mentioned above.

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What To Know About Driving In North Dakota

Based on car crash statistics, driving in North Dakota is slightly more dangerous than average. According to data collected by the Insurance Institute for Highway Safety (IIHS), there were 101 auto crash deaths in North Dakota in 2021. This made for 13 deaths per 100,000 people, just above the national average of 12.9.

If you’re driving in North Dakota, be sure to wear a seat belt and be wary of road conditions. North Dakota averages 50.5 inches of snow per year on average (depending on which part of the state you live in). When the road is iced or covered in snow, take caution, drive slower, and allow more room to stop.

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Best Car Insurance In North Dakota: Our Take

North Dakota car insurance may cost less than coverage in other states. Of course, drivers in any state will want to find the lowest car insurance rates that they can. We recommend North Dakota drivers consider State Farm, Progressive, Geico, American Family, or Nodak Insurance Company. These providers offer some of the best customer service and rates in the region.

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FAQ: Best North Dakota Car Insurance

Below, we answer some of the questions about insurance companies, costs, and coverage options that North Dakota drivers often ask:

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How We Rate North Dakota Auto Insurers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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