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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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 13, 2024
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Table of contents
On average, North Dakota drivers pay $119 per month for auto insurance, which is less than the national average of $154 per month. The state’s relatively low population density contributes to its relatively low car insurance rates — it ranks 47th in the country, with 779,261 residents in 69,000 square miles of land.[1] [2]
Besides your location and the insurer you choose, other factors that affect car insurance costs include your age, driving record, credit history, and more. Here’s what you should know about how auto insurance premiums fluctuate based on these unique factors to find the cheapest coverage for you in North Dakota.
North Dakota is a no-fault state, so drivers must purchase personal injury protection, plus a minimum amount of liability, uninsured motorist, and underinsured motorist coverage.[3]
On average, North Dakota drivers pay $85 per month for liability-only car insurance, which is higher than the average premiums in neighboring South Dakota, but lower than Minnesota at $63 and $104 respectively.
North Dakota law allows insurers to consider your credit history when determining premiums.[4]
Best car insurance companies in North Dakota
Every driver has a unique situation that affects car insurance costs. Some of the best car insurance companies in North Dakota consistently offer low premiums for different coverage levels and many types of drivers.
As a driver, shopping around for quotes from different insurers is the best way to find the cheapest insurance. Below, you’ll find information on some of the best insurance companies available in North Dakota.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Midvale Home & Auto | 3.3 | $88 | $78 | Cheap rates |
The General | 7.3 | $144 | $100 | High-risk drivers |
Safeco | 8.3 | $125 | $66 | Safe drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best for cheap rates: Midvale Home & Auto
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 |
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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. | 3.2 /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. | $78/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. | $138/mo |
Midvale Home & Auto offers North Dakota drivers the most affordable average quotes for full-coverage and liability car insurance. In addition to auto insurance, the company sells condo, renters, and home insurance. And customers can save by bundling multiple insurance products.
Other saving opportunities include good student, paperless payments, automatic payments, and full-pay discounts.
Lengthy list of discount opportunities
Wide range of coverage options to suit your needs
Poor average customer reviews
No discount for safe driving
Best for high-risk drivers: The General
User Reviews | 3.5 |
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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 |