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.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 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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Matthew Gross
Edited byMatthew Gross
Matthew Gross
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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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
4.6
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.
9.1 /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.
$70/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.
$150/mo
4.6
Best choiceBased on 453 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 (236)

Scott

May 5, 2025

Verified Review

Check the Fine Details

My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.

Matt

April 26, 2025

Verified Review

Pricing Themselves Out of Customers!

The price of our policies has increased faster and higher than the competition. Our local agents are great to deal with. Customer service is much better than the last company I was insured with.

Joel

April 21, 2025

Verified Review

American Family

It's great, but all insurance companies are gouging us.
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
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
Why 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 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 No. 2 for customer satisfaction in the Central region by J.D. Power

  • Many discounts available

  • A+ (Superior) 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 other insurers

  • Many negative mobile app reviews

Auto-Owners: Best for customer experience

User Reviews
3.9
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.
8.5 /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.
$68/mo
3.9
A solid optionBased on 190 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 (116)

Lois

April 20, 2025

Verified Review

Contract

I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!

Richard

April 19, 2025

Verified Review

Time to Compare Rates

I have had no problems with Auto-Owners, I just want to compare rates.

Dale

April 18, 2025

Verified Review

Good Review

I've had no problems with them and I have recommended them.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
821
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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++
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 No. 3 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

  • Rideshare coverage not available

State Farm: Best for bundling

User Reviews
4.2
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.
$55/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.
$117/mo
4.2
Best choiceBased on 10,903 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 (5,929)

Georgia

May 5, 2025

Verified Review

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

Carolyn

May 5, 2025

Verified Review

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

Randall

May 5, 2025

Verified Review

Valued

I've had great service on two claims. It went very smoothly.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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++
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

Cons
  • Above-average number of complaints on the NAIC Complaint Index

  • Gap insurance not available

  • Can be more expensive than other insurers

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.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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
Why we picked this company

Midvale Home & Auto 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
3.6
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.
7.3 /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.
$105/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.
$171/mo
3.6
A solid optionBased on 843 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 (462)

Alicia

May 4, 2025

Verified Review

Cost is outlandishly too high and not even worth it.

The monthly price for insurance is outrageous. I'm disabled and have a fixed income. I have to go without paying a bill or two to pay The General every month. I don't know how they expect people to live.

Camille

May 2, 2025

Verified Review

Would not recommend

When I first signed with The General, my bill was around $80-90. Every year it kept rising, but I didn't have any accidents. I even used less mileage, and my bill continued to go up. Would not recommend.

Samantha

April 30, 2025

Verified Review

Highly Unimpressed

Customer service was horrible; no one knew what they were doing. I called to add a vehicle to my policy and was told I had to have a new policy. I paid $220 down, and my first payment was going to be due 2 weeks later. I called back and was finally able to get someone to combine my policies if I paid another $220 down payment, and my monthly payments would go up $80 more than I was paying for the two separate policies added together. I canceled my policies that day, and they kept the original down payment from the day before. So, 1 day of liability insurance cost me $220. I went with someone different, and my policy for both said vehicles costs less than half of what I was paying with The General.
See all The General reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69
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
Why 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

  • Works with 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/edb628e3ac/insurify-icons-auto-blue-96x96_013-family.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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 $107 per month for car insurance, which adds up to an average annual rate of $1,288. The average monthly cost of a full-coverage policy is $136, and liability-only insurance costs an average of $79 per month.

North Dakota drivers tend to pay less than the national average for auto insurance. 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 $107 per month for car insurance. For a minimum-coverage policy, the average cost is $79 per month, and full-coverage insurance is $136.

  • 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

Sources

  1. Better Business Bureau. "Midvale Home and Auto."
  2. Trustpilow. "The General Reviews."
  3. North Dakota Insurance Department. "Auto."
Sarah Sharkey
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 Gross
Edited byMatthew GrossEditor
Matthew Gross
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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