Best Car Insurance in North Dakota

Auto-Owners ranks as the top overall car insurance option in North Dakota and also scores well for young drivers and seniors. Average monthly costs are $31, or $375 per year, for adult drivers. Drivers with older vehicles see lower rates at about $23 per month, or $273 annually. Those with a speeding ticket pay an average of $37 per month, or $441 per year, which is the lowest rate among insurers reviewed for this group.

The company offers more than standard liability, collision and comprehensive coverage. Add-on options include pet medical coverage, gap insurance and roadside assistance with rental car reimbursement. Policies also account for common weather-related losses in North Dakota, including hail and severe storms. Based on these options, Auto-Owners received a coverage score of 3.4 out of 5.

Auto-Owners earns a 5.0 out of 5 customer experience score, placing it first across most service categories. Policies are sold through local independent agents who assist customers directly. A round-the-clock claims center allows drivers to file claims and manage payments at any time.

Read our review: Auto-Owners Car Insurance Review

American Family is a strong low-cost option in North Dakota for drivers with violations. Average premiums come to about $47 per month, or $568 per year, earning the company an affordability score of 4.9 out of 5.

The insurer receives a customer experience score of 3.8 out of 5. Drivers have access to local agents across the state, along with the MyAmFam app for claims and policy management. Coverage options are more limited than those offered by many competitors, which is reflected in its coverage score of 2.9 out of 5. 

That said, American Family does offer select add-ons such as pet injury protection, gap coverage and rental reimbursement.

Read our review: American Family Car Insurance Review

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