Best Car Insurance in North Dakota (2026)
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. | $31/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 534 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 (252)
Timothy
Verified Review
Be Cautious with American Family Insurance
Reviewed in Virginia on December 2025
Do NOT provide auto-withdrawal info to American Family. My withdrawals increased from $1200 to $3800 annually from one year to the next, without notice, and I have a perfect driving record. Keep a very sharp eye on this company, and make sure you make manual payments.
Becky
Verified Review
Pricey
Reviewed in Illinois on December 2025
The premiums are high and discounts are hard to get.
Lotette
Verified Review
Satisfaction Survey
Reviewed in Washington on December 2025
No problem; however, it's expensive despite never having a claim for our autos. The same goes for my very, very expensive home insurance!
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 274 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 (136)
Randy
Verified Review
Excellent
Reviewed in Florida on January 2026
They're a very good company and easy to work with.
Carol
Verified Review
Too High Rates
Reviewed in Pennsylvania on January 2026
Rates go up significantly even though there are no claims.
Monte
Verified Review
Insurance Auto
Reviewed in Indiana on January 2026
The price is high.
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 13,560 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 (6,794)
Suzanne
Verified Review
Insurance Incentives
Reviewed in Pennsylvania on January 2026
I've been with SF for 31 years, and the only thing I wish would change is the "incentive discounts." For example, rewards for no DWIs, no ticket violations, and only 2 claims in 31 years. I say that's having a good record.
Debra
Verified Review
Two on disability, one on limited retirement funds, one working at Walmart!
Reviewed in Arkansas on January 2026
I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.
Robert
Verified Review
Too Expensive
Reviewed in Texas on January 2026
All the insurance companies are more expensive than my current insurance. I have had no tickets in 20 years.
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. | $101/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. | $166/mo |
3.4
A solid optionBased on 1,078 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 (513)
Samantha
Verified Review
The General's Decline
Reviewed in North Carolina on January 2026
Honestly, I thought The General was great when I first signed up with them, but they’ve gone downhill. Customer service is poor now. Every time I speak to someone, I can barely understand what they’re saying because the accent is so heavy, and they’re not very informative at all. I can’t tell if it’s because they truly don’t have answers to my questions, they’re just poorly trained, or they’re intentionally being deceptive. I had to remove a vehicle and add a new one to my policy recently. Out of nowhere, they wanted almost $300 and couldn’t explain to me why. Nothing had changed; it was just replacing a vehicle. It wasn’t until I dug into policy history paperwork that I found out why. I called back and finally got someone on the phone who could answer me. They also aren't helpful if you have a claim. Someone grazed my vehicle in the past. I filed a police report and gave it to my insurance. I gave them everything they needed. The adjuster told me she couldn’t call the other person's insurance to file a claim, and I had to basically file the claim with the other insurance by myself. When the other insurance tried lying to deter me from filing a claim, my adjuster just said she didn’t know why they’d lie because the policy is active and hung up. Basically, she did nothing for me at all. Didn’t fight for me at all. Didn’t do anything, and the other person was never held responsible for the damage to my vehicle. As soon as I can, I’m getting a new policy with another company and moving my husband and his vehicle away from them.
Anastasia
Verified Review
Gotta progress away from the general
Reviewed in Colorado on January 2026
I am now with Progressive and saving $84 a month. The General is extremely hard to get a hold of anyone. The policy amounts change every month. I have asked multiple times for them to change my due date. They have not. I have asked for certain things to be taken off of my policy to lower my bill, they never did. Extremely high cost at The General!
Scott
Verified Purchase
The General always wanted more money. They charged me $17 for a paper for my sister to sign, saying she didn't drive my car. They also charged me $7 for something they couldn't even explain. In 6 months, they wanted to increase my policy by almost $80. The General is just a big joke; stay away from them.
Reviewed in Illinois on December 2025
The General always wanted more money. They charged me $17 for a paper for my sister to sign, saying she didn't drive my car. They also charged me $7 for something they couldn't even explain. In 6 months, they wanted to increase my policy by almost $80. The General is just a big joke; stay away from them.
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.
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Average cost of car insurance in North Dakota
North Dakota drivers pay an average of $86 per month for car insurance, which adds up to an average annual rate of $1,033. The average monthly cost of a full-coverage policy is $106, 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 $86 per month for car insurance. For a minimum-coverage policy, the average cost is $66 per month, and full-coverage insurance is $106.
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.