Auto-Owners leads North Dakota car insurance providers with a MoneyGeek score of 4.62 out of 5, excelling in customer service and offering competitive rates. Since insurance needs vary by driver, we also recommend considering Progressive, GEICO, American Family and Farm Bureau.
Best Car Insurance in North Dakota
Updated: October 31, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in North Dakota is Auto-Owners, ranking first in customer experience.
Progressive offers the best coverage for drivers with a DUI and those with newer cars, while Auto-Owners leads for young drivers in the Peace Garden State.
North Dakota drivers can secure better rates by deciding on coverage needs first, researching provider options and getting plenty of quotes to compare.
Best Car Insurance Companies in North Dakota
| Auto Owners | 4.62 | $57 | 1 | 5 |
| Progressive | 4.55 | $53 | 2 | 2 |
| Geico | 4.40 | $44 | 6 | 6 |
| American Family | 4.39 | $47 | 5 | 6 |
| Farm Bureau | 4.36 | $50 | 3 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in North Dakota by Driver Profile
Auto-Owners leads North Dakota car insurance rates in eight out of ten driver categories. Progressive offers the cheapest rates for drivers with DUIs and those with newer vehicles.
| Young Drivers | Auto-Owners | 5 | 1 | 5 |
| Adult Drivers | Auto-Owners | 6 | 1 | 5 |
| Senior Drivers | Auto-Owners | 6 | 1 | 5 |
| Drivers With an Accident | Auto-Owners | 2 | 1 | 5 |
| Drivers With a DUI | Progressive | 2 | 2 | 2 |
| Drivers With A Speeding Ticket | Auto-Owners | 4 | 1 | 5 |
| Drivers With Bad Credit | Auto-Owners | 5 | 1 | 5 |
| Drivers With Low Income | Auto-Owners | 3 | 1 | 5 |
| Drivers With Newer Cars | Progressive | 3 | 2 | 2 |
| Drivers With Old Cars | Auto-Owners | 2 | 1 | 5 |
*We modified the categories above based on a male driver, 40 years of age, with good credit and also a clean driving record, who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best North Dakota Car Insurance Recommendations
Our top picks might not match your specific needs. Compare our five highest-rated providers below to find coverage that fits your situation.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | 0.18 | $133 | 2 | 2 |
| Auto Owners | 0.18 | $100 | 1 | 5 |
| American Family | 0.18 | $59 | 5 | 6 |
| Grinnell Insurance | 0.17 | $108 | 7 | 4 |
| Geico | 0.16 | $93 | 6 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best North Dakota Car Insurance Reviews
Below, we break down the services and features of our top-rated insurance providers in each category.
Auto-Owners
Best Customer Experience in North Dakota
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
5/5Customer Experience
3.4/5Coverage Points
Average Monthly Full Coverage Cost
$81For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$32For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
Progressive
Best Coverage Options in North Dakota
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4/5Customer Experience
4.8/5Coverage Points
Average Monthly Full Coverage Cost
$71For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$34For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.3/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Pet Injury Coverage
How to Find the Best Car Insurance in North Dakota
Finding the best car insurance in North Dakota can be difficult, so we've created this guide to help you find the right fit.
- 1Decide on coverage needs before you buy
Understanding your coverage requirements helps prevent overpaying. Review your driving patterns, vehicle value and finances but make sure you meet North Dakota required minimums.
- 2Research average costs and discounts you may qualify for
Start by checking average car insurance costs in North Dakota. Look for savings with home and auto insurance bundles, safe driving programs and multi-policy discounts. North Dakota insurers also offer defensive driving program discounts.
- 3Look through provider customer experiences and coverage options thoroughly
Verify that your chosen insurer offers any coverage options you might need beyond the standard policies.
- 4Consider non-standard coverage options
Explore non-owner car insurance and pay-per-mile policies if they better match your driving habits.
- 5Compare plenty of quotes through multiple means
Finding the cheapest option possible means looking at several quotes.
- 6Reassess annually
Insurance rates change often. Review your coverage and compare rates yearly to ensure your policy meets your needs.
Best North Dakota Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Based on our analysis, Auto-Owners ranks as the top provider in North Dakota, while Progressive and GEICO are also excellent options for drivers in the state.
Best Auto Insurance in North Dakota: FAQ
Finding the right car insurance depends on your specific needs, so we've gathered answers to common questions to help you choose the best coverage.
What is the best car insurance company in North Dakota?
Auto-Owners leads North Dakota's car insurance market with a MoneyGeek score of 4.3 out of 5 and an average monthly premium of $81 for full coverage.
What is the best car insurance company for minimum coverage in North Dakota?
Farm Bureau offers the most competitive rates for minimum coverage in North Dakota, with average premiums starting at $319 per year.
What is the best car insurance in North Dakota for young drivers?
Auto-Owners is the top choice for young adults in North Dakota, providing excellent customer service and competitive rates averaging $871 per year for minimum coverage.
What is the best car insurance for North Dakota drivers who value customer service?
Auto-Owners leads customer experience in North Dakota with a 5 out of 5 rating. The company excels in its purchase experience, agent support, digital tools and claims handling processes.
What is the best car insurance in North Dakota if you have driving offenses?
Progressive leads the pack for North Dakota drivers with violations, offering monthly rates of $41 for minimum coverage and $88 for full coverage insurance.
How We Rated the Best Car Insurance in North Dakota
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in North Dakota. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within North Dakota. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on North Dakota-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.