Best Car Insurance in North Dakota (2025)
Some of the best car insurance companies in North Dakota include American Family, State Farm, and Auto-Owners Insurance.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
When choosing the best car insurance company in North Dakota, one company isn’t going to suit everyone. Every driver has unique needs, whether it’s how much coverage they need or how much they want to spend. So the right insurance company for you might look different from your neighbor’s.
If you live in the Roughrider State, shopping around can help you find the best car insurance policy for your situation. Insurify analyzed 50 insurance companies in North Dakota to help you find the right one for you.
Best car insurance companies in North Dakota
Some car insurance companies offer customers a better experience than others. The list below highlights the best auto insurance companies in North Dakota, according to our research.
American Family: Best overall
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $52/mo |
4.5
Best choiceBased on 517 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (248)
Holly
Verified Review
Our Family
Reviewed in Ohio on October 2025
Wonderful and easy-to-use claims.
Janice
Verified Review
Excellent
Reviewed in Georgia on October 2025
So far, so good. I've never had to file a claim.
Charles Gary
Verified Review
Good service
Reviewed in Georgia on October 2025
Good, but rates are starting to skyrocket!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
After almost 100 years in business, American Family offers North Dakota drivers competitive rates and great customer service. American Family’s network of exclusive agents across the state can help you navigate your options and ensure you get the best coverage.
American Family offers a wide variety of discounts, giving you plenty of opportunities to save money.
Pros
Ranks second for customer satisfaction in the Central region by J.D. Power
Many discounts available
A (Excellent) financial strength rating from AM Best
Cons
Above-average number of customer complaints with the National Association of Insurance Commissioners (NAIC)
Rates can be more expensive than some competitors
Many negative mobile app reviews
Auto-Owners: Best for customer experience
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $23/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $38/mo |
4.3
Best choiceBased on 257 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (131)
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
663NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners Insurance gets high marks from North Dakota drivers for customer service and claims handling. The company received an A+ (Superior) financial strength rating from AM Best, indicating its ability to pay out claims. Auto-Owners also offers optional coverage, like roadside assistance and rental car coverage.
With a robust selection of discount opportunities, Auto-Owners Insurance most likely has saving opportunities that suit you.
Pros
Ranks third for customer satisfaction rating in the Central region by J.D. Power
Below-average number of customer complaints with the NAIC
Many discounts available
Cons
Poor rating on Trustpilot
Online quotes not available — must obtain quotes and policies through independent agents
Rideshare coverage not available
State Farm: Best for bundling
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $24/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $39/mo |
4.1
Best choiceBased on 12,597 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,521)
Andrea
Verified Review
Car Insurance
Reviewed in Colorado on November 2025
More expensive than the East Coast.
Margaret
Verified Review
Expensive
Reviewed in Illinois on November 2025
State Farm has always been good to me. My complaint is the significant rise in premium costs, although I haven’t filed a claim in decades.
James
Verified Review
State Farm
Reviewed in Minnesota on November 2025
I'm glad to be with State Farm. Joe Etten's staff is excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm’s extensive selection of insurance products allows you to handle all your insurance needs in one place. In addition to auto insurance, State Farm offers life insurance, home insurance, renters insurance, pet insurance, and more. Bundling all of your policies together can help you save time and money.
State Farm also offers various discounts, including multi-car and good student discounts.
Pros
Above-average customer satisfaction rating in the Central region by J.D. Power
Offers rideshare coverage
Wide range of insurance products available offering bundling opportunities
Cons
Above-average number of complaints on the NAIC Complaint Index
Payoff Protector (gap) coverage is limited to customers who originate an auto loan through State Farm Bank
Can be more expensive than some competitors
Midvale Home & Auto: Best for cheap rates
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
Best For
Student drivers
Optional coverages
Bundling savings
Best For
Student drivers
Optional coverages
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.11A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Midvale Home & Auto, owned by American Family, is great for drivers looking for cheap car insurance. The company consistently offers North Dakota drivers some of the most affordable rates, according to Insurify data. But cheap rates don’t mean you need to sacrifice coverage — Midvale has a variety of options like medical payments protection and roadside assistance.
In addition to great rates, Midvale Home & Auto offers multiple ways to save money, like enrolling in electronic billing and bundling multiple policies.
Pros
Cheap rates for North Dakota drivers
Various auto insurance options available
Gap insurance available
Cons
Safe driver discount not available
Many customer complaints with the Better Business Bureau (BBB)[1]
Doesn’t have a mobile app
The General: Best for high-risk drivers
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
3.4
A solid optionBased on 1,012 verified guest reviews and ratings
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (498)
Maria
Verified Review
Too Expensive
Reviewed in Texas on November 2025
Our experience has been somewhat okay. However, it is very expensive. If I had the time, I'd look for something else.
Britney
Verified Review
Poor Experience
Reviewed in Missouri on November 2025
I wouldn’t recommend. The rate is too high. Customer service has been poor since my accident a week ago. I have barely heard anything back, and my questions haven't been answered.
Gecolia
Verified Review
Excellent Company
Reviewed in Virginia on November 2025
They offer good prices and I love the fact that you don’t have to add your spouse if you’re separated like some companies want you to. I switched because the price was too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Drivers with a history of incidents might have trouble finding an insurance company that offers reasonable rates. But many high-risk drivers can find coverage through The General. Whether you have an at-fault accident or a speeding ticket on your driving record, The General is among the cheapest insurers for high-risk drivers in North Dakota.
The General offers high-risk drivers quality service, too. Although your experience might vary, customers rated The General an average of 4.7 out of 5 stars on Trustpilot.[2]
Pros
Offers SR-22 filings
Specializes in insuring high-risk drivers
Excellent Trustpilot score
Cons
Above-average number of complaints on the NAIC Complaint Index
Limited coverage options
Bundling discount not available
Our editorial team analyzed regional and national auto insurance companies that sell policies in North Dakota to assess which offer drivers the best rates, coverage options, customer service, and savings. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in North Dakota
Finding the best car insurance can be challenging. But you can use the tips below to find the right coverage at the best price in North Dakota.
Consider how much coverage you need
Before searching for a policy, you should decide how much car insurance coverage you need. You need a policy that meets North Dakota’s minimum car insurance requirements, but a minimum-coverage policy might not suit your needs.
Lenders usually require drivers who finance or lease their vehicles to purchase full-coverage insurance. A full-coverage policy includes bodily injury and property damage liability insurance, plus comprehensive and collision coverage. Full-coverage insurance is more expensive than a minimum-coverage policy but offers more financial protection if you need to file a claim.
Read customer reviews
Take some time to read through some customer feedback about the insurers you’re considering. Hearing about other people’s experiences with a particular company may help you decide which one is right for you.
Look for discounts
Most insurance companies offer various discounts, but not every company offers North Dakota drivers the discounts they need. Finding an insurance company offering the best deals for you can help you save money.
For example, a 20-year-old student might want an insurer offering a discount for good grades. But a driver with a clean driving history might prefer an insurer offering a safe driver discount. Don’t overlook discounts as a way to reduce your rates.
Compare quotes from multiple insurance companies
Insurers use different methods to determine the premiums they charge. Comparing quotes from multiple companies can help you find the most affordable rates for the coverage you need. Although it’s tempting to go with the lowest rate, make sure to consider other factors like available discounts and third-party reviews.
Find the Best Auto Insurance in North Dakota
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Average cost of car insurance in North Dakota
North Dakota drivers pay an average of $90 per month for car insurance, which adds up to an average annual rate of $1,075. The average monthly cost of a full-coverage policy is $113, and liability-only insurance costs an average of $66 per month.
North Dakota drivers tend to pay less than the national average for auto insurance due to less congested roadways and lower accident frequency. Rates have risen in the Peace Garden State over the last few years, but the increases have been relatively moderate compared to the rest of the country.
It’s worth noting that your rate may differ from the average car insurance cost. With discounts, you might pay less than the average rate. But your insurance might be more expensive if you’re a high-risk driver. If you have incidents on your record, you can still find affordable coverage through an insurer known for working with high-risk drivers.
Best car insurance in North Dakota FAQs
If you need help finding car insurance, the following answers to common questions from North Dakota drivers may help.
How much is car insurance in North Dakota?
Drivers in North Dakota pay an average of $90 per month for car insurance. For a minimum-coverage policy, the average cost is $66 per month, and full-coverage insurance is $113.
What are the best car insurance companies in North Dakota?
American Family, State Farm, Auto-Owners, The General, and Midvale Home & Auto are some of the best car insurance companies in North Dakota. But the best insurer for you depends on your situation. Comparing rates from multiple companies can help you find the coverage you need at the right price.
What is the required auto insurance coverage amount in North Dakota?
North Dakota requires drivers to purchase the following minimum auto insurance coverages:[3]
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured motorist coverage
$25,000 per person and $50,000 per accident in underinsured motorist coverage
$30,000 per person in personal injury protection
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Sources
- Better Business Bureau. "Midvale Home and Auto."
- Trustpilow. "The General Reviews."
- North Dakota Insurance Department. "Auto."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.