Best Car Insurance in North Dakota (2026)
State Farm, Auto-Owners, and USAA are among the best insurers in North Dakota.
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
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Best car insurance companies in North Dakota
Insurify analyzed 120+ car insurance companies to find the best auto insurers in North Dakota. State Farm, Auto-Owners, and National General are among the top insurers in North Dakota.
Below, you can see our top picks for North Dakota car insurance, chosen based on cost, user reviews, coverages, discounts, and more.
State Farm: Best overall
| 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. | $25/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. | $47/mo |
4.2
Best choice in North DakotaBased on 21,719 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in North Dakota for
Showing recent national reviewsSee all 8,313 State Farm reviews
Verified Review
Reviewed in Florida on November 13, 2026
I haven’t had any claims, so I don’t really know how to answer this question. So far, so good.
Verified Review
Reviewed in Michigan on November 13, 2026
I’ve been a loyal customer for over twenty years, and I’ve watched it change hands three times. Dave was the first person to be my insurance agent.
I never missed a payment, and if I had a claim, it was due to another person or the weather. I feel like I should’ve been grandfathered in. I’ve been on disability since before I chose them, and over the years I’ve struggled with the increases in my insurance while my income has never changed. I’m struggling to pay my insurance or buy necessities. If you have an income other than disability, it might be a better fit for you.
Verified Review
Reviewed in Kentucky on November 13, 2026
They’re way too expensive. They should charge based on miles driven. I’ve never had an accident, so I’m not sure how they handle claims. I just know I have to pay way too much for both of my vehicles.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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 has the second-highest overall customer satisfaction rating in the Central region in the JD Power U.S. Auto Insurance Study. It also has some of the lowest car insurance premiums in the state and offers a variety of discounts for even more savings.
Pros
Excellent customer satisfaction ratings in Central region
Premiums are among the lowest in North Dakota
Few complaints filed with the National Association of Insurance Commissioners (NAIC)
Cons
Limited number of add-on coverages
AM Best recently downgraded its financial strength rating from A++ to A+
Doesn’t sell accident forgiveness coverage
Auto-Owners: Best for low rates
| 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. | $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. | $46/mo |
4.3
Best choice in North DakotaBased on 313 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in North Dakota for
Showing recent national reviewsSee all 169 Auto-Owners reviews
Verified Review
Reviewed in Michigan on October 14, 2026
I haven’t really had any problems with them, other than my premium keeps going up at every renewal.
Verified Review
Reviewed in Indiana on October 13, 2026
No problems with them so far.
Verified Review
Reviewed in Georgia on September 20, 2026
Too expensive.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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 has some of the cheapest car insurance in North Dakota, with rates well below the statewide average. It also offers a great selection of car insurance discounts, with savings for good students, students away from home, policy bundling, vehicle safety features, customer loyalty, paying in full, and more.
Pros
Among the lowest rates in North Dakota
Few complaints filed with the NAIC
More than a dozen advertised discounts
Cons
Below-average JD Power customer satisfaction rating in the Central region
Quotes only available through agents
Low Trustpilot rating
National General: Best for high-risk drivers
| User Reviews | 3.7 |
|---|---|
| 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 /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. | $51/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. | $99/mo |
3.7
A solid option in North DakotaBased on 1,611 verified driver reviews and ratings
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
Based on analysis of verified reviews collected by Insurify
Best in North Dakota for
Showing recent national reviews
Verified Purchase
Reviewed in Pennsylvania on November 13, 2026
It would be nice if I could actually sign in to my account and pay my bill, instead of having to sign in as a guest.
Verified Review
Reviewed in Florida on November 12, 2026
One of the cheapest I’ve found. I’ve never had a claim with them.
Verified Purchase
Reviewed in Indiana on November 11, 2026
Fast, efficient service.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
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
If you have a poor driving record or less-than-perfect credit, National General is a good choice for car insurance in North Dakota. National General has the financial backing of Allstate and offers low average rates for high-risk drivers. It also offers several add-on coverages to customize your auto policy, as well as a handful of discounts.
Pros
Lower rates for risky drivers
Several available add-ons
Pays out most small claims within 48 hours
Cons
Many more complaints than expected filed with the NAIC
Low Trustpilot rating
Lowest-rated insurer for claims satisfaction by JD Powe
Farmers: Best for discounts
| User Reviews | 4.0 |
|---|---|
| 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. | $53/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. | $100/mo |
4.0
Best choice in North DakotaBased on 3,865 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
Best in North Dakota for
Showing recent national reviewsSee all 1,124 Farmers reviews
Verified Review
Reviewed in Pennsylvania on September 28, 2026
Don’t talk over anyone. Don’t push anything. Discuss your offerings sincerely, not flatly or without feeling. Give the client the best deal—don’t keep trying to make the most money for yourself. Focus on the best savings for them. Then you’ll have a repeat client.
Verified Review
Reviewed in Minnesota on July 23, 2026
There are cheaper car coverage plans available from other insurers. They are very competitive on home insurance.
Verified Review
Reviewed in Michigan on July 20, 2026
Be careful—once they get you in, they start hiking up your price.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
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
Farmers is a great pick for drivers in North Dakota looking for car insurance discounts. The company offers savings for bundling, young drivers, safe drivers, good students, students away from home, shared family cars, homeowners, mature drivers, and more. It also ranks highly for overall customer satisfaction.
Pros
Offers 19 car insurance discounts
Above-average JD Power customer satisfaction rating in the Central region
Many available car insurance add-ons
Cons
Below-average JD Power claims satisfaction rating
Lower financial strength rating than some other insurers
Low Trustpilot rating
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| 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. | 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. | $25/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. | $47/mo |
4.9
Best choice in North DakotaBased on 4,416 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in North Dakota for
Showing recent national reviewsSee all 1,744 USAA reviews
Verified Review
Reviewed in Texas on November 12, 2026
You can’t beat USAA for their outstanding customer service. They complete any insurance claims you have without question; however, they are a little more expensive than everybody else.
Verified Review
Reviewed in North Carolina on November 12, 2026
Rates are too high for a company that caters to veterans and their families.
Verified Review
Reviewed in Washington on November 10, 2026
Good if you stay with them, but it could be better.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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
If you live at Minot Air Force Base or Grand Forks Air Force Base, USAA is a great auto insurer to consider. It offers low average premiums for full-coverage and liability-only insurance, has excellent customer satisfaction ratings, and has minimal complaints filed with the NAIC. USAA also offers two usage-based insurance (UBI) programs for safe and low-mileage drivers.
Pros
Highest customer satisfaction rating from JD Power in the Central region
Very few complaints for auto insurance filed with the NAIC
Cheaper rates than most competitors
Cons
Only insures eligible military personnel and family members
No branch locations or in-person agents
Fewer add-ons than what some other insurers offer
How we chose the best car insurance companies in North Dakota
Our editorial team analyzed regional and national auto insurance companies that sell policies in North Dakota to assess which offer the best rates, coverage options, customer service, and savings to drivers. 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.
Average cost of car insurance in North Dakota
The average cost of car insurance in North Dakota is $114 per month for full coverage and $66 per month for state-minimum coverage. Drivers in North Dakota pay far less than the U.S. national averages of $187 per month for full coverage and $99 for minimum coverage.
Car insurance premiums in North Dakota are more affordable because the state has one of the lowest population densities in the country and very few uninsured drivers.[1] Insurify data projects North Dakota car insurance prices to fall by about 1% by the end of 2026, according to Insurify’s most recent auto insurance report.
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How to get the best car insurance in North Dakota
You have many options for car insurance in North Dakota, but the best insurer varies by driver. Here are some tips for getting the best car insurance in North Dakota:
Maintain the state’s minimum car insurance requirements
North Dakota requires drivers to have at least 25/50/25 in personal liability insurance, as well as uninsured and underinsured motorist (UM/UIM) coverage and personal injury protection (PIP) coverage.[2] Many drivers can benefit from purchasing higher limits in case of an at-fault accident.
Carry comprehensive coverage to protect against deer crashes
Wildlife accidents are common in North Dakota, especially in November. It’s beneficial to carry comprehensive insurance, which can cover the cost of repairing or replacing your vehicle if you hit a deer or other animal.[3]
Review the state’s Auto Insurance Cost Comparison Survey before buying
The North Dakota Insurance and Securities Department publishes an annual report that compares car insurance rates in the state from major insurers. Before you buy a policy, check the latest report to find out whether your quote is competitive.[4]
Take an approved defensive driving course
If you complete a defensive driving course approved by the North Dakota State Highway Patrol, you’re eligible under state law to receive a discount on your car insurance premium.
Compare quotes
Car insurance rates in North Dakota vary based on several factors, including your insurance company. Comparing quotes from multiple insurance companies can help you find cheap car insurance.
Best car insurance in North Dakota FAQs
Here’s some additional information that can help you choose the best car insurance in North Dakota.
What is the average cost of car insurance in North Dakota?
The average car insurance premium in North Dakota is $66 per month for liability coverage and $114 for full-coverage insurance. But rates depend on many factors, like your ZIP code, age, credit-based insurance score, and vehicle type.
What is the cheapest car insurance company in North Dakota?
Auto-Owners is the cheapest car insurance company in North Dakota, with an average liability insurance rate of $24 per month, according to Insurify data. USAA and State Farm also have below-average auto insurance premiums.
What are the auto insurance requirements for North Dakota?
The required coverages in North Dakota include $25,000 per person and $50,000 per accident in bodily injury liability and UM/UIM coverage, $25,000 per accident in property damage liability, and $30,000 for PIP coverage.
Sources
- United States Census Bureau. "QuickFacts North Dakota."
- North Dakota Insurance and Securities. "Auto."
- North Dakota Vision Zero. "Wildlife Crashes."
- North Dakota Insurance and Securities. "2026 Auto Insurance Cost Comparison Survey."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.