Best Car Insurance in North Dakota

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Updated: December 29, 2025

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Best Car Insurance in North Dakota: Fast Facts

MoneyGeek evaluated all auto insurance providers in North Dakota and scored their services based on affordability (cost and discounts), customer service, and coverage options across all residential ZIP codes. All in total, these companies offer the best car insurance in North Dakota (Click on each category to learn more about the winners):  

Best by Rating:

Best by Driver and Coverage:

To ensure you get a good deal on North Dakota auto insurance, we also provided answers to common questions about the topic (Click to learn more).

Best Car Insurance Companies in North Dakota

Auto-Owners ranks as our top overall choice for North Dakota drivers, with competitive rates for both young and senior drivers. American Family offers the most affordable coverage for drivers with violations. North Star provides the best value for drivers with poor credit or limited income.

Auto Owners4.62$5715
Progressive4.55$5322
Geico4.40$4466
American Family4.39$4756
Farm Bureau4.36$5037
North Star Insurance4.33$4795

How We Chose the Best Car Insurance Companies in North Dakota

Compare North Dakota Car Insurance Rates From Top Companies

Enter your ZIP code to quickly compare quotes with top car insurance companies in North Dakota.

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LEARN MORE ABOUT THE BEST CHEAP AUTO INSURANCE IN NORTH DAKOTA

Get more in-depth information about the best vehicle insurance in North Dakota for your profile:

Auto-Owners

Auto-Owners: Best Cheap North Dakota Car Insurance Company Overall

checkmarkpros

  • 24/7 claims center resolves damage quickly

  • Local independent agents know North Dakota roads and weather

  • Severe weather coverage protects against hail and thunderstorms

closecons

  • Higher premiums than competitors

  • No rideshare or mobile app

  • Limited coverage options compared to larger insurers

COMPANY HIGHLIGHTS

Auto-Owners ranks as the best overall car insurance provider and best for young and senior drivers in North Dakota. Adult drivers pay an average of $31 monthly ($375 annually). Drivers with older vehicles pay just $23 monthly ($273 annually). Drivers with speeding tickets pay $37 monthly ($441 annually), the most affordable rate in this category.

Auto-Owners provides coverage beyond standard liability, collision and comprehensive insurance. Coverage options include pet medical protection, gap insurance and roadside assistance with rental car reimbursement. The company offers specialized protection against North Dakota's severe weather, particularly hail and thunderstorms. Auto-Owners earned a Coverage Score of 3.4 out of 5.

Auto-Owners earns a perfect 5.0 out of 5 customer experience score, ranking first in most categories. The company operates through local independent agents who provide personalized service. Their 24/7 claims center offers convenient access for claims submission and bill payments.

Read our review: Auto-Owners Car Insurance Review

American Family Insurance

American Family: Best North Dakota Car Insurance for Young Drivers and Customer Service

checkmarkpros

  • Lowest premiums in North Dakota for drivers with violations

  • Fast claims processing through MyAmFam app

  • Teen Safe Driver program rewards young drivers with discounts

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  • No coverage for off-road or classic vehicles

  • Customer service unavailable outside business hours

  • Higher premiums than most competitors

COMPANY HIGHLIGHTS

American Family ranks as the best cheap option for drivers with violations in North Dakota. Coverage averages $47 monthly or $568 annually. American Family earned an affordability score of 4.9 out of 5.

American Family earns a customer experience rating of 3.8 out of 5. The company provides local agents throughout North Dakota and offers the MyAmFam app for claims reporting and account management. American Family's coverage score of 2.9 out of 5 reflects limited options compared to competitors. Reviews show the company offers specialized coverage, including pet injury protection, gap insurance and rental reimbursement.

Read our review: American Family Car Insurance Review

North Star Insurance

North Star: Best North Dakota Car Insurance for Seniors, High-Risk Drivers, Bad Credit and Coverage Options

checkmarkpros

  • Competitive premium rates statewide

  • Vanishing deductible rewards safe driving each year

  • Local North Dakota agents understand regional weather risks

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  • Few agents in rural North Dakota areas

  • Customer service ranks below most competitors

  • Coverage options more restrictive than alternatives

COMPANY HIGHLIGHTS

North Star ranks as the best cheap option for drivers with bad credit and low income in North Dakota. Minimum coverage starts at $26 monthly. Full coverage costs $67 monthly. North Star earned an affordability score of 4.9 out of 5 and ranks second statewide for affordability.

North Star earns a coverage score of 3.4 out of 5, ranking fifth in the state. The company offers a vanishing deductible program that reduces your deductible for each year of safe driving. North Star's local agents understand North Dakota's weather-related coverage needs. Information about gap insurance and roadside assistance isn't available online.

North Star earns a customer experience score of 3.4 out of 5, ranking ninth among North Dakota insurers. The company handles claims quickly and serves high-risk drivers other insurers may decline.

Read our review: North Star Car Insurance Review

Best Car Insurance in North Dakota by City

Car insurance rates vary across North Dakota cities based on traffic patterns and claim frequencies. MoneyGeek analyzed 19 major cities to identify the most competitive insurers.

Cities where Auto-Owners is best: Beulah, Bismarck, Carrington, Devils Lake, Dickinson, Fargo, Grafton, Grand Forks, Grand Forks AFB, Harvey, Jamestown, Mandan, Minot, New Town, Rugby, Valley City, Watford City, West Fargo, Williston

BeulahAuto Owners$5615
BismarckAuto Owners$5415
BowmanAuto Owners$5815
CarringtonAuto Owners$5515
Devils LakeAuto Owners$5315
DickinsonAuto Owners$5415
FargoAuto Owners$5315
GraftonAuto Owners$5415
Grand ForksAuto Owners$5415
HarveyAuto Owners$5715
JamestownAuto Owners$4715
LisbonAuto Owners$5215
MandanAuto Owners$5515
MinotAuto Owners$5115
New TownAuto Owners$5815
RugbyAuto Owners$5715
Watford CityAuto Owners$5715
West FargoAuto Owners$4515
WillistonAuto Owners$5215

How to Find the Best Car Insurance in North Dakota

Follow these steps to find the best car insurance in North Dakota.

  1. 1

    Assess Your Coverage Needs

    Evaluate your insurance requirements based on your driving habits, vehicle value and financial situation. Rural areas face different risks than cities like Fargo or Bismarck. Use our car insurance needs calculator to determine coverage levels, or consult an independent agent.

  2. 2

    Study Costs and Discounts

    Understanding the average car insurance costs for your demographic helps set realistic expectations. Review our analysis of the cheapest auto insurance providers. Look for discounts like safe driver, multi-policy, good student or defensive driving course credits.

  3. 3

    Evaluate Company Reliability

    Check insurer financial stability through A.M. Best ratings, NAIC complaint data and J.D. Power surveys. Compare coverage options like roadside assistance, rental car reimbursement and gap coverage. Read Trustpilot reviews to learn about claims processing and customer service.

  4. 4

    Gather Multiple Quotes

    Get quotes from at least five insurers. Contact independent agents who represent multiple companies. Visit captive agents for specific insurers. Use online comparison tools and check company websites. Each method may yield different pricing.

  5. 5

    Review Annually

    Insurance rates change due to market conditions, regulatory updates and personal circumstances. Set a yearly reminder to reassess coverage and shop for new quotes.

  6. 6

    Verify State Requirements

    North Dakota requires 30/60/30 liability coverage. Consider higher limits based on your assets and risk tolerance.

  7. 7

    Finalize and Monitor

    Review policy documents before signing. Maintain continuous coverage to avoid penalties. Inform your insurer of address changes, new drivers or vehicle modifications.

Best Auto Insurance in North Dakota: FAQ

Find answers to common questions about choosing car insurance in North Dakota.

Who are the cheapest car insurance providers in North Dakota?

Why is car insurance so expensive in North Dakota?

How much is car insurance in North Dakota on average?

How can I save money on car insurance in North Dakota?

How much car insurance is required in North Dakota?

Is unlimited PIP still worth it in North Dakota?

Best Auto Insurance North Dakota: Bottom Line

Auto-Owners, American Family and North Star Insurance stand out as the top affordable car insurance options for most drivers across the state. However, these recommendations serve as a starting point since your ideal insurer depends on your specific driving record, coverage preferences and personal circumstances. To secure the best value, determine your coverage requirements first, investigate each company's discounts and reputation, then gather multiple quotes for comparison shopping.

Best Car Insurance in North Dakota Chart

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

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