Best Car Insurance in North Dakota for 2026

At $78/month for full coverage, Auto-Owners is 12% below the North Dakota state average of $89/month, reasonable but not the cheapest option available. Minimum coverage costs $31/month, 24% below the state average of $41/month. Where Auto-Owners' pricing falls short is after a DUI conviction: the monthly rate goes up to $149/month, compared to American Family's $72/month and Progressive's $86/month for the same driver. 

For young drivers, Auto-Owners charges $177/month, coming in fourth among the top five. Drivers with violations can find a full breakdown of options in our SR-22 insurance in North Dakota guide (SR-22 is a form your insurer files with the state to prove you're covered).

Auto-Owners scored 654 out of about 1,000 in J.D. Power's 2025 customer satisfaction survey, five points above the regional average of 649 and the highest score among North Dakota's top companies. That result matches the 5.00/5 customer service score in my overall rating, which also uses AM Best financial grades and complaint data from the NAIC. Auto-Owners' clearest advantage is its claims process: it receives fewer customer complaints per policy than the average insurance company, according to NAIC tracking data.

Auto-Owners offers roadside assistance, rental reimbursement and accident forgiveness (a feature that prevents your rate from going up after your first crash) for eligible drivers in North Dakota, covering nine of the 13 optional coverage types we tracked. The two most important things it doesn't offer are gap insurance and rideshare coverage. If you're making payments on a car and it gets wrecked beyond repair, gap insurance covers the difference between what insurance pays you and what you still owe the lender. 

Without it, you could owe thousands out of pocket. If you drive for Uber or Lyft in Fargo or Bismarck, your personal auto policy won't cover you while you're logged into the app waiting for a ride request. If you need either one, Progressive is the better choice.

Progressive's full-coverage rate of $70/month is 21% below the North Dakota state average of $89/month and 43% below the national average of $123/month. Minimum coverage costs $34/month, 17% below the state average of $41/month. The rate for a driver with a DUI is $86/month, the second cheapest among the five companies, behind only American Family's $72/month. 

That rate matters if you need broad coverage options after a conviction. Young drivers pay $241/month with Progressive, the highest young driver rate among the companies we tested — nearly double American Family's $116/month. Progressive's Snapshot program tracks your driving habits and can lower your monthly rate if you drive safely.

In J.D. Power's 2025 customer satisfaction survey, Progressive scored 637, 12 points below the regional average of 649 and the lowest score among North Dakota's top five carriers. The 4.04/5 customer service score in my overall rating is higher than the J.D. Power result suggests because it also draws on AM Best financial grades and NAIC complaint data, where Progressive performs closer to average. 

Progressive's clearest service advantage is its digital claims tools. The mobile app lets customers file and track claims without calling an agent, a practical advantage when roads are iced over and you need to report a claim fast.

Progressive's 4.82/5 coverage score is the second-highest among North Dakota's top five. Optional coverage types include rideshare coverage, gap insurance, coverage for aftermarket parts added to your car and accident forgiveness: 10 of the 13 types we tracked. Rideshare coverage protects you during the gap between your personal auto policy and what Uber or Lyft covers. It kicks in when you're logged into the app but haven't accepted a ride yet. 

Gap insurance covers the difference between what your insurance company says your car is worth and what you still owe on your loan after a total loss. For example, if your car was worth $30,000 when you bought it but has depreciated to $22,000 by year two, your insurer pays $22,000. 

Without gap insurance, you'd still owe the bank $8,000. Progressive doesn't offer new car replacement in North Dakota, which means if you total a brand-new car, you'd get the depreciated value, not the cost of a new equivalent vehicle.

GEICO's $56/month for full coverage is 37% below the North Dakota state average of $89/month and 54% below the national average of $123/month. Minimum coverage costs $26/month, also the lowest among the five companies. For young drivers, GEICO prices full coverage at $153/month, coming in third among the top five. 

The DUI rate is where GEICO's pricing advantage disappears: at $158/month, it's the most expensive DUI rate among the top five, more than double American Family's $72/month and nearly double Progressive's $86/month for the same profile. 

If you have a DUI on your driving record, GEICO isn't the right choice. GEICO's DriveEasy program tracks your driving through an app and can lower your monthly rate if you drive safely.

GEICO scored 641 in J.D. Power's 2025 customer satisfaction survey, eight points below the regional average of 649 and the second-lowest score among North Dakota's top five carriers. The 3.69/5 customer service score in my rating reflects that below-average result. 

GEICO's weak spot is claims satisfaction: it receives more customer complaints per policy than Auto-Owners or Progressive, based on NAIC tracking data. Simple claims tend to resolve fine at GEICO, but when a claim is disputed or complicated, customers report more problems.

Of the five companies, GEICO has the lowest coverage score at 2.95/5, offering eight of the 13 optional coverage types we tracked. The three add-ons it offers are roadside assistance, rental reimbursement and mechanical breakdown insurance. That last one is worth knowing about: mechanical breakdown insurance pays for repairs when something in your car stops working on its own (not because of a crash) and can cost less than a dealer extended warranty. 

GEICO doesn't offer gap insurance, rideshare coverage or new car replacement in North Dakota. If you're making payments on a car and it gets wrecked beyond repair, you'll owe the bank the difference between what insurance pays you and what's left on your loan. GEICO won't cover that difference. If you drive for Uber or Lyft, your personal GEICO policy won't cover you while you're waiting in the app for a ride request.

Full coverage with American Family costs $60/month, 33% below the North Dakota state average of $89/month and 51% below the national average of $123/month. Minimum coverage costs $33/month, 20% below the state average of $41/month. The lowest rates are for young drivers at $116/month (cheapest among the five companies) and drivers with a DUI at $72/month (also the cheapest). 

On the DUI rate: $72/month is $14/month less than Progressive's $86/month and $86/month less than GEICO's $158/month for the same profile. That's over $1,000 a year in savings versus GEICO. American Family's KnowYourDrive program tracks your driving through an app and can lower your monthly rate if you drive safely.

American Family scored 660 in J.D. Power's 2025 customer satisfaction survey, 11 points above the regional average of 649 and third among North Dakota's top five carriers. That's a better J.D. Power result than the 3.83/5 customer service score in my overall rating implies. American Family's weak spot is how long it takes to get a claim paid: customers report longer waits than at Auto-Owners or Progressive. In a state where winter weather damage to vehicles happens every year, that means a longer wait for your payout when your car is already sitting in a lot, undriveable.

American Family's coverage score of 2.95/5 is the lowest among the five companies: it offers nine of the 13 optional coverage types we tracked. The carrier offers roadside assistance, rental reimbursement and accident forgiveness in North Dakota. Gap insurance and rideshare coverage aren't available. If you're making payments on a car and it gets wrecked beyond repair in a North Dakota winter accident, American Family won't cover the difference between what insurance pays and what you still owe the lender. 

If you drive for Uber or Lyft, your personal policy won't cover you while you're waiting in the app for a ride request. For drivers who don't need gap insurance or rideshare coverage and want to keep costs low, especially for a young driver, American Family's policies cover everything North Dakota requires plus a few extras.

Farm Bureau's minimum coverage rate of $25/month is the lowest among the five companies and 39% below the state average of $41/month. That's its biggest price advantage. Full coverage costs $68/month, 24% below the state average of $89/month. For young drivers, Farm Bureau charges $180/month, coming in fifth among the top five and more expensive than American Family ($116/month) and GEICO ($153/month) for the same profile. 

A DUI conviction brings the rate to $106/month, the third lowest among the five companies. That makes Farm Bureau a good choice for drivers who only carry the minimum coverage North Dakota requires.

In J.D. Power's 2025 customer satisfaction survey, Farm Bureau scored 648, one point below the 649 industry average and third among North Dakota's top five carriers. The 4.03/5 customer service score in my rating matches that near-average J.D. Power result and factors in AM Best financial grades that confirm Farm Bureau can pay claims. 

Farm Bureau's service advantage is how easy it is to reach a local agent. Because its agents are based in North Dakota, customers report shorter wait times and more direct claim help than most national companies' call centers offer.

Farm Bureau's coverage score of 2.50/5 is the lowest among the five companies: it offers eight of the 13 optional coverage types we tracked. The carrier offers roadside assistance and rental reimbursement but doesn't offer rideshare coverage, gap insurance, new car replacement or custom parts coverage in North Dakota. 

The most important missing coverage is gap insurance: if you're making payments on a car and it gets wrecked beyond repair, Farm Bureau won't cover the difference between what insurance pays and what you still owe the lender. On a $35,000 car in its second year, that shortfall can exceed $5,000. If you carry only the North Dakota minimum and don't need rideshare or gap coverage, Farm Bureau offers the lowest rate for what you're buying.