10 Best Auto Insurance Companies in North Dakota for 2025

The best auto insurance companies in North Dakota are State Farm, AmFam, and Auto-Owners. State Farm’s exceptional claims satisfaction score ensures reliable service statewide.

American Family adds value with KnowYourDrive telematics that gives personalized discounts based on actual driving behavior and mileage. Auto-Owners stands out with its reliable support and loyalty rewards for North Dakota drivers.

North Dakota drivers can get minimum coverage for as low as $35 per month from Geico.

Top 10 Companies: Best Auto Insurance in North Dakota

The easiest way to get the cheapest car insurance in North Dakota is through bundling discounts, good driver programs, and usage-based insurance options.

If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates from top-rated insurers.

North Dakota Auto Insurance Cost Breakdown

Drivers can choose from several North Dakota insurance companies, like Geico, State Farm, Progressive, and Auto-Owners, which provide competitive pricing and reliable protection.

Geico stands out for offering the cheapest auto insurance in North Dakota, with average monthly rates of $35 for minimum coverage and $78 for full coverage.

North Dakota Auto Insurance Monthly Rates by Coverage Level

When comparing the best insurance companies in North Dakota, Geico and State Farm often lead for affordability. American Family and Auto-Owners are priced slightly higher at $41 and $43 a month for their local and personalized service.

Liberty Mutual and AAA have higher price points but are preferred for more comprehensive coverage options, especially for ND drivers with new cars.

Factors That Affect ND Auto Insurance Rates

Several factors influence how much you’ll pay for car insurance in North Dakota, including your age, driving record, and credit score.

Comparing quotes online before you buy helps you spot where one insurer may be more forgiving than another, allowing you to choose the types of auto insurance and company that fits your profile best.

Age and driving record play the biggest role in whether you qualify for the cheapest car insurance in North Dakota or pay higher premiums.

Understanding these factors makes it easier to compare North Dakota insurance companies and ensure you’re not overpaying for coverage.

How Age Impacts North Dakota Car Insurance Costs

Age has the most significant impact on car insurance costs in North Dakota. Younger drivers, especially those under 25, usually pay more because they have less driving experience.

As North Dakota drivers get older, and if they can maintain their clean records, their auto insurance rates drop steadily.

North Dakota Auto Insurance Monthly Rates by Age

For example, an 18-year-old might pay around $130 per month with AAA, while a 45-year-old pays closer to $46.

Geico and State Farm have the cheapest car insurance in North Dakota for young drivers, while Allstate is one of the most expensive North Dakota insurance companies for drivers of all ages (Read More: Geico vs. Allstate Auto Insurance).

How Location Plays a Role in ND Auto Insurance Rates

Where you live in North Dakota impacts your car insurance premiums, with rates varying by as much as 50% between different cities.

Drivers in Fargo, Bismarck, and Grand Forks typically see higher insurance costs due to increased traffic density, higher accident rates, and greater risk of theft or vandalism.

Factors like local crime statistics, weather patterns, road conditions, and population density also contribute to regional rate variations (Learn More: Auto Insurance Rates by State).

The best car insurance companies in North Dakota adjust their rates based on local risk factors, making your ZIP code one of the most important pricing considerations.

High-Risk Auto Insurance Rates in North Dakota

Drivers with clean records can get rates as low as $35 per month with Geico, while one DUI or accident can raise rates to over $100 a month.

Even a single moving violation can increase your rates by 20-30%, while multiple infractions may make coverage difficult to obtain through standard insurers (Learn More: Cheap Auto Insurance for High-Risk Drivers).

North Dakota Auto Insurance Monthly Rates by Driving Record

Insurers reward safe drivers with lower premiums, so North Dakota drivers should prioritize safe driving habits and consider defensive driving courses.

Companies like State Farm, AmFam, and Auto Owners offer 25% discounts for accident-free driving.

Improve Your Credit Score for Cheaper North Dakota Auto Insurance

Insurance companies view credit scores as indicators of financial responsibility and claim likelihood. North Dakota drivers with excellent credit, usually above 800, tend to get the lowest rates.

Improving your credit by paying bills on time, reducing debt, and correcting errors on your credit report can lead to substantial savings over time.

North Dakota Auto Insurance Monthly Rates by Credit Score

Many insurers offer additional discounts for good credit and responsible payment history, making strong credit one of the easiest ways to lower your North Dakota car insurance (Read More: 17 Tips to Pay Less for Car Insurance).

Some drivers see their premiums drop by hundreds of dollars annually after improving their credit score by just 50-100 points.

North Dakota Auto Insurance Requirements

North Dakota requires all drivers to carry minimum liability coverage. State law mandates at least $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage.

While this minimum coverage satisfies legal requirements, many of the best car insurance companies in North Dakota recommend higher limits for better protection. Learn more about auto insurance requirements by state.

When comparing ND auto insurance rates, consider that minimum coverage may not fully protect your assets in serious accidents. Full coverage insurance, which includes comprehensive and collision coverage, provides more extensive protection.

Affordable North Dakota car insurance companies, like State Farm, Progressive, Geico, and Nationwide, offer policies that exceed state minimums for under $90 a month.

Ways to Lower North Dakota Insurance Rates

North Dakota auto insurance costs can be pretty inconsistent, as it all comes down to things like your age, driving record, and even your credit score.

Use some of these cost-cutting strategies that work to get good coverage without breaking the bank and still meet the state insurance requirements:

• Group Your Policies Together: Getting multiple policies from the same company (like your car and home insurance) can save you 15-25% on your payments.
• Keep a Clean Driving Record: If you’ve never been in an accident, or had a ticket or any other kind of trouble on the road, you can qualify for the best rates.
• Sort Out Your Credit: If you have a great credit score in North Dakota, you can save up to 30% on your payments compared to someone with a poor credit history.
• Increase Your Deductible: It’s not the best option, but raising your deductible from $500 to $1,000 can save you 20%-30% on your payments.
• Take Advantage of Telematics: These are usage-based programs that track how you drive, how much you speed, how far you drive, and what time of day you’re on the road.

Usage-based car insurance (UBI) is a popular way to save money on insurance in North Dakota, since the state generally has less traffic and fewer accidents, which helps drivers maintain safe habits.

UBI with telematics also comes with the biggest discount, with companies like Nationwide and Allstate offering up to 40% to drivers who don’t speed or drive at night.

The best car insurance companies in ND offer all sorts of discounts and incentives that can make a big difference if you’re a good driver and know how to take advantage of them.

Liberty Mutual leads the way with a 35% anti-theft discount, while Nationwide offers generous 40% savings for good drivers.

Top Auto Insurance Discounts in North Dakota

Bundling multiple policies with one company, like home and auto, can save up to 25% with American Family. The best part is that many drivers qualify for multiple discounts at the same time.

Knowing how to compare auto insurance companies is key to saving money. What one company might charge you a lot for, another provider might offer for a fraction of the price.

Where to Get the Best North Dakota Insurance

The best auto insurance companies in North Dakota are State Farm, American Family, and Auto-Owners. These three stand out for claims satisfaction, personalized service, and strong financial stability.

State Farm is the top overall pick thanks to its high customer satisfaction scores, which help drivers handle policies and claims smoothly.

Even though American Family and Auto-Owners are not the largest insurers in the state. Their strength comes from regional expertise and consistent customer support.

AmFam offers usage-based savings through its KnowYourDrive telematics program. Auto-Owners is smaller in size but known for reliable claims support, competitive senior driver rates, and exceptional financial strength.

American Family’s 16% share reflects its regional strength in the Midwest, while Allstate and Auto-Owners maintain solid positions through their network of local agents and personalized service.

These market leaders invest heavily in understanding North Dakota’s unique insurance needs, from harsh winter driving conditions to rural coverage requirements. Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.

#1 – State Farm: Top Overall Pick

Pros

• Highest Claims Satisfaction: Achieves top claims satisfaction score of 664 out of 1,000 among North Dakota insurers, ensuring smooth claim experiences for policyholders.
• Extensive Local Agent Network: State Farm maintains the largest network of local agents throughout North Dakota, providing face-to-face policy reviews for customers.
• Usage-Based Savings Program: Our State Farm insurance review shows its Drive Safe & Save usage-based program can reduce premiums up to 30% for safe driving habits.

Cons

• Higher Rates After Incidents: Charges higher premiums for drivers with recent accidents or traffic violations compared to budget-focused competitors in North Dakota.
• Limited Digital Tools: Provides fewer digital tools compared to tech-forward insurers, requiring more in-person or phone interactions for policy management tasks.

#2 – American Family: Best for Localized Service

Pros

• Strong Claims Performance: American Family is known for reliable claims handling for North Dakota policyholders statewide.
• Telematics Program: As mentioned in our American Family insurance review, its KnowYourDrive telematics program rewards safe drivers with personalized discounts.
• Weather Expertise: American Family understands North Dakota’s unique weather-related coverage needs, including hail and snow damage protection.

Cons

• Limited Rural Availability: Coverage availability is restricted in certain rural North Dakota counties, which may limit access for some potential customers seeking policies.
• Fewer Discount Options: Offers fewer discount opportunities compared to larger national carriers operating in the North Dakota insurance marketplace.

#3 – Auto-Owners: Best for Reliable Support

Pros

• Excellent Claims Satisfaction: The company reflects a strong commitment to reliable support during the claims process. Learn more in our Auto-Owners insurance review.
• Competitive Senior Rates: Provides competitive rates for mature drivers over 50 years old seeking affordable full coverage insurance options in North Dakota.
• Financial Stability: Maintains excellent financial stability ratings, providing peace of mind that claims will be paid promptly.

Cons

• Basic Digital Platform: Limited online and mobile app functionality compared to digitally advanced competitors in North Dakota’s insurance marketplace.
• Smaller Agent Network: Reduced market presence means fewer local agents available in some North Dakota communities for in-person consultations and service.

#4 – Allstate: Best for Custom Plans

Pros

• Drivewise Rewards Program: Its Drivewise program provides up to a 40% discount for safe driving. See how it works in our Allstate insurance review.
• Accident Forgiveness Coverage: Prevents rate increases after the first at-fault accident for qualifying policyholders in North Dakota.
• Extensive Customization Options: Its customization options include New Car Replacement and Deductible Rewards for individual North Dakota drivers.

Cons

• High Young Driver Rates: Charges above-average base rates for young drivers under 25 compared to more affordable insurance options available in North Dakota.
• Lower Claims Satisfaction: Claims satisfaction score of 644 out of 1,000 falls below top-ranked competitors serving North Dakota customers daily.

#5 – Geico: Best for Budget Drivers

Pros

• Lowest Minimum Coverage Rates: Provides the lowest average rates in North Dakota for drivers seeking basic minimum liability coverage meeting state requirements.
• Superior Digital Experience: Industry-leading digital tools and 24/7 mobile app access make policy management convenient for tech-savvy North Dakota customers.
• Military and Federal Discounts: Military discount of up to 15% plus federal employee discounts help North Dakota’s military and government employees.

Cons

• Below-Average Claims Rating: Claims satisfaction rating lags behind higher-rated competitors in North Dakota. Learn more in our Geico insurance review.
• No Local Agents: Lacks local agents in most North Dakota communities, limiting face-to-face service for customers preferring personal interactions and consultations.

#6 – Farmers: Best for Comprehensive Protection

Pros

• Signal Telematics Savings: Signal telematics app offers personalized discounts up to 30% based on safe driving habits for North Dakota policyholders.
• Rideshare Coverage Option: Rideshare coverage protects drivers during all phases of driving throughout North Dakota. Find more in our Farmers insurance review.
• Flexible Payment Plans: Flexible payment options and multi-policy bundling discounts help North Dakota families reduce overall insurance costs significantly each year.

Cons

• Average Claims Performance: Claims satisfaction score of 641 out of 1,000 indicates room for improvement compared to top-rated North Dakota insurers.
• High-Risk Driver Rates: Charges higher than average rates for drivers with DUIs or multiple violations seeking coverage options in North Dakota.

#7 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Best Anti-Theft Discount: Anti-theft device discount helps North Dakota drivers protect vehicles from theft. See our Liberty Mutual insurance review for more.
• Multiple Accident Forgiveness: This program forgives multiple accidents for long-term policyholders with good driving records in North Dakota.
• RightTrack Enrollment Bonus: The RightTrack program offers an initial 10% discount just for enrolling, plus additional savings of up to 30% total based on driving.

Cons

• Lower Claims Satisfaction: Below-average claims satisfaction rating of 640 out of 1,000 compared to top-performing competitors serving North Dakota residents.
• Higher Minimum Coverage Cost: Premium rates are much higher than with other North Dakota auto insurance companies.

#8 – Progressive: Best for Usage-Based Savings

Pros

• Snapshot Program Benefits: Snapshot usage-based insurance program provides immediate discounts and rewards safe driving with savings up to 30%.
• Name Your Price Tool: Name Your Price tool helps North Dakota budget-conscious drivers find coverage matching their specific financial constraints easily through an online platform.
• Pet Injury Coverage: Pet Injury Coverage endorsement protects furry passengers injured in accidents, unique offering among North Dakota auto insurance providers today.

Cons

• Low Claims Satisfaction: Claims satisfaction ranks among the lowest of top competitors serving North Dakota policyholders. Learn more in our Progressive auto insurance review.
• Steep Post-Accident Increases: Rates increase a bit after accidents compared to forgiving competitors in the North Dakota insurance market for similar violations.

#9 – Nationwide: Best for Bundling Options

Pros

• SmartRide Discount Program: As mentioned in our Nationwide insurance review, its SmartRide program offers up to a 40% discount for safe driving habits.
• Vanishing Deductible Feature: This program reduces drivers’ deductibles by $100 annually for each year without accidents or claims.
• Free Policy Reviews: On Your Side Review provides free annual policy consultation for North Dakota customers.

Cons

• Lowest Claims Satisfaction: Claims satisfaction rating of 632 out of 1,000 is the lowest among the top-ranked North Dakota auto insurance providers in the market.
• Limited Rural Presence: Limited local agent availability in smaller North Dakota towns restricts in-person service options for rural customers needing face-to-face assistance.

#10 – AAA: Best for Roadside Assistance

Pros

• Free Roadside Assistance: As mentioned in our AAA auto insurance review, its members-only benefits include free roadside assistance with unlimited towing services.
• Loyalty Reward Program: AAA’s loyalty discounts reward long-term North Dakota policyholders with increasing savings over time.
• Teen Driver Resources: Teen driver programs and educational resources help young North Dakota drivers develop safe habits while managing insurance costs effectively.

Cons

• Lowest Customer Satisfaction: Lowest claims satisfaction score of 628 out of 1,000 among all top-ranked North Dakota auto insurance companies reviewed.
• Membership Fee Required: AAA membership fee on top of insurance premiums, which increases the total annual cost for North Dakota customers.