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Looking for North Dakota car insurance coverage? This article recommends some of the best providers for car insurance in the state. We also review state insurance guidelines and average auto insurance rates for North Dakota drivers.

Our review team has already examined the best car insurance companies in the United States, looking at factors such as coverage, costs, industry reputation, and more. In this article, we see which are the best North Dakota car insurance providers based on regional customer satisfaction scores and average premiums for the state. Of course, the only way to find the lowest-cost provider for your vehicle is to compare individualized quotes, which you can do using the free tool above.

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5 Best North Dakota Car Insurance Companies

A few of our top-recommended national providers are great choices for North Dakota drivers, but you may want to consider regional providers as well. See a breakdown of our five top recommended North Dakota auto insurance providers in the table below.

Best North Dakota Auto InsuranceMotor1 RatingCustomer ServiceAffordabilityCoverage
1. USAA Car Insurance$4.804.754.8
2. Auto-Owners Insurance$4.404.54.94.3
3. Geico Car Insurance4.
4. Progressive Auto Insurance$4.604.14.74.5
5. State Farm Auto Insurance4.

*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.


#1 USAA: Best For Military

In the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudySM for the Central region – which includes Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota – USAA scored a total of 897 out of a possible 1,000 points. This was higher than any other provider surveyed. However, because USAA is not available to all drivers, it was not eligible for ranking.

USAA insurance is restricted to military members and their families. If you do not meet these criteria, you will need to search for a policy elsewhere. For drivers who do qualify for USAA membership, it is one of the lowest-priced and highest-reviewed insurers in any state, including North Dakota.

USAA policy offerings are comprehensive. The company offers standard types of auto insurance as well as:

Drivers who choose USAA often pay low premiums, especially if they are able to take advantage of USAA’s discount opportunities, which include:

  • Annual mileage discount: Gives a discount for driving a low number of miles each year
  • Premier driver discount: Gives a discount to drivers who go accident- and ticket-free for five years
  • Defensive driving discount: Gives a discount to drivers who complete a defensive driving course
  • Driver training discount: Gives a discount to drivers under age 21 who take a driver training course
  • Good student discount: Gives a discount to full-time students with at least a 3.0 GPA
  • New vehicle discount: Gives a discount for insuring vehicles that are less than three years old
  • Automatic payments discount: Gives up to three percent off your policy for scheduling automatic payments
  • Family discount: Gives premium reductions if you have family members who are also insured through USAA
  • Military garaging discount: Gives up to a 15-percent discount to drivers who store their vehicle on a military base

USAA has an A++ (Superior) financial strength grade from AM Best, indicating a superior ability to meet customer claims obligations.

Affordable rates and numerous discountsOnly available for military members and their immediate families
Good option for military members
Superior financial strength rating and A+ rating from the BBB

To learn more information about this provider, read our full USAA auto insurance review.

#2 Auto-Owners Insurance: Best Local Service

Auto-Owners Insurance is not available in every state, but it is an option for North Dakota car insurance. In the 2021 J.D. Power Satisfaction Study, it scored 845 out of 1,000 points, ranking first in the region and above national powerhouses like Geico, State Farm, and Progressive.

Despite being a smaller insurer than some of the other recommended providers, Auto-Owners is a company with strong financials. It has an A++ financial strength rating from AM Best, indicating a superior ability to meet financial obligations.

Auto-Owners offers full coverage auto insurance policies as well as additional coverage for:

  • Roadside assistance
  • GAP coverage
  • Rental and travel expense reimbursement
  • Diminished value/new car replacement

Drivers with Auto-Owners policies can also purchase the Personal Automobile Plus Package. This offers extras like identity theft coverage and phone replacements.

Based on our research, Auto-Owners provides low-cost policy options for North Dakota drivers. You can save with this company through its many discounts, such as:

  • Multiple policy discount
  • Advance quote discount
  • Pay-in-full discount
  • Payment history discount
  • Green discount
  • Safety features discount
  • Favorable loss history discount
  • Multiple car discount
  • Distant student discount
  • Teen driver monitoring discount
  • Good student discount

One thing to note about Auto-Owners Insurance is that it is sold exclusively through local agents. While this can mean that it takes a little longer to request a car insurance quote or file a claim, knowledgeable local experts may be one of the reasons that the company ranks so highly for customer service.

Auto-Owners Insurance ProsAuto-Owners Insurance Cons
Knowledgeable local agentsYou must file claims and get a quote through an agent
Excellent customer service reviews
Helpful mobile app

#3 Geico: Best Overall Provider Nationwide

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 low rates and exceptional service.

In North Dakota specifically, Geico is well-regarded. It ranked fourth in the 2021 J.D. Power Satisfaction Study for the region, scoring 845 out of 1,000 points. It also has an A+ rating from the Better Business Bureau (BBB) and many positive customer reviews.

Geico is rated A++ for financial strength by AM Best, meaning it has the funds to back its policies. And filing claims is simple and convenient with the Geico claims mobile app.

Drivers who choose Geico can save on policies by taking advantage of Geico discounts such as:

  • Multiple policy discount
  • Multiple vehicle discount
  • Military discount
  • Federal employee discount
  • Safety features discount
  • Good student discount
  • Good driver discount
  • Defensive driving discount

We named Geico our best overall provider in the country because of its availability, affordability, and coverage options. It’s certainly worth contacting Geico for a quote when looking for North Dakota car insurance.

Geico ProsGeico Cons
Superior financial strength rating and A+ rating from the BBBAverage quotes experience
Many choices for coverage available in 50 statesUsage-based app not available in all states
High level of customer satisfaction

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

#4 Progressive: Best For High-Risk Drivers

Progressive is a good choice for high-risk drivers because it offers low rates to younger drivers and those with a DUI on their driving record. It’s a good option for drivers across the country as well as North Dakota. In the 2021 J.D. Power Satisfaction Study, Progressive ranked seventh, scoring 837 out of a possible 1,000 points.

Progressive also receives a low volume of complaints relative to its size. Progressive policies are inexpensive and may be worth looking into for drivers than can take advantage of Progressive’s many discounts, which include:

  • Multiple policy discount
  • Multiple car discount
  • Continuous insurance discount
  • Teen driver discount
  • Good student discount
  • Distant student discount
  • Homeowners discount
  • Online quote discount
  • Sign online discount
  • Paperless discount
  • Pay-in-full discount
  • Automatic payment discount

Another way to save with Progressive is its deductible savings bank feature, which adds $50 toward your next deductible for every six-month period you go without an accident. Progressive also has a usage-based program called Snapshot®. The Snapshot program tailors your premium price based on the way you drive, reducing rates for drivers with good habits.

Progressive ProsProgressive Cons
One of the top auto insurers in the U.S.Average customer satisfaction
Superior financial strength ratingMixed customer service reviews
Great choice for high-risk driversHigher rates than some competitors
Several money-saving features and easy quotes process

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

#5 State Farm: Best For Student Drivers

State Farm offers relatively low rates across the board, but especially for younger drivers. It offers many discounts that apply to students, teen drivers, and families. Discount options from State Farm include:

  • Safe driving discount: Offers a discount for having a clean driving record with no accidents or moving violations for three years
  • Driving course discounts: Offers a discount for completing a defensive driving course or a driver’s education course
  • Student discounts: Offers premium discounts to students away at school as well as students with good grades
  • Safe vehicle discounts: Provides discounts for vehicles that have modern safety features and anti-theft mechanisms
  • Loyalty discounts: Provides up to 20 percent off for insuring multiple vehicles and 17 percent off for bundling your auto policy with another insurance policy like homeowners insurance

State Farm did not rate as highly as our other recommended providers in the J.D. Power Satisfaction Study for the region, but it did well, ranking fifth overall with a score of 849 out of 1,000. This put it just above the regional average of 843.

High-risk drivers looking for North Dakota car insurance should definitely reach out to State Farm for a quote. The company has an A++ financial strength rating from AM Best and is known to handle claims quickly.

State Farm ProsState Farm Cons
Comprehensive coverage offerings available in all 50 statesReported errors with autopay
Extensive selection of discountsUsage-based app not available in all states
High level of customer satisfactionAverage quotes process
Easy online quotes process
Superior financial strength rating and A+ rating from the BBB

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

North Dakota Car Insurance Requirements

North Dakota state law requires drivers to maintain at least a 25/50/25 liability insurance policy, 25/50 uninsured/underinsured motorist policy, and a $30,000 personal injury protection policy. 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.

Type of Car InsuranceNorth Dakota Car Insurance Requirement
Liability Auto Insurance$25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability
Uninsured/Underinsured Motorist Insurance$25,000 liability per person $50,000 liability per accident
Personal Injury Protection$30,000 personal injury protection coverage per accident

Drivers caught on the road without the minimum-required 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 only liability insurance, personal injury protection, and uninsured/underinsured motorist coverage are legally required in the state of North Dakota, it’s always a good idea to purchase full coverage auto insurance. This 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.

Cost Of North Dakota Car Insurance

Compared to the national average, North Dakota car insurance is very cheap. While policy costs differ from county to county, below are state averages according to the National Association of Insurance Commissioners (NAIC).

Type of CoverageAverage Annual Expenditure
Liability coverage$303.66
Collision coverage$263.72
Comprehensive coverage$241.51
Total cost$659.94

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

The data referenced above is based on customer price data collected in 2017. North Dakota car insurance costs less overall than it does in other states. However, comprehensive coverage policies cost slightly more for North Dakota drivers.

The cost of car insurance is different for every driver, as it depends on the following factors:

  • Age
  • Marital status
  • Gender
  • Driving record
  • Credit history
  • City
  • Vehicle details

Other factors may impact the cost of your insurance, but those listed above are typically the most consequential.

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 105 auto crash deaths in North Dakota in 2018. This made for 13.8 deaths per 100,000 people, above the national average of 11.2.

North Dakota is a low-population state (the fourth lowest in the country), but people there tend to drive farther than in other states. According to the IIHS study, there were 17,588 miles traveled per licensed driver in the state in 2018.

If you’re driving in North Dakota, be sure to wear a seat belt and be wary of road conditions. North Dakota averages between 26 and 38 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.

Final Thoughts

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 USAA, Auto-Owners Insurance, and Geico. These providers offer some of the best customer service and rates in the region.

The only way to find the most affordable provider for you is to get multiple car insurance quotes that are personalized to your vehicle and driver profile. You can start doing so using the free tool below.

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FAQ: North Dakota Car Insurance


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.