American Family is the ideal car insurance for full coverage, particularly for young adults, seniors and those with bad driving records. For customer satisfaction, Auto-Owners Insurance Co is the top option. Farmers is ideal for those with newer cars, Grinnell Mutual earns the top spot for customer service and USAA is ideal for military personnel and their families.
Best Car Insurance in North Dakota








Best Overall for Car Insurance in North Dakota
MoneyGeek's data reveals that American Family is the best car insurance provider in North Dakota. Our review found that these two insurers are the most reliable and cost-effective options in the state:
- American Family: MoneyGeek score of 87 out of 100 ($616 per year)
- GEICO: MoneyGeek score of 85 out of 100 ($660 per year)
American Family and GEICO are the two top auto insurance providers in North Dakota, with both companies earning high ratings from MoneyGeek for their balance of affordability and quality service.
For those looking for the most affordable full coverage auto insurance in North Dakota, MoneyGeek provides reviews of the lowest-priced providers.

With its competitive rates and broad range of valuable coverage options, American Family stands out from its competitors. As the most affordable full coverage auto insurance provider in North Dakota, American Family’s insurance rate averages $616 per year. Additionally, this company provides rare coverage add-ons, including Original Equipment Manufacturer (OEM) coverage.
American Family provides a wide range of optional coverages at affordable rates. Additionally, they offer unique coverages such as OEM coverage, which ensures that any repairs made to your vehicle use original parts from the manufacturer, not aftermarket parts from third parties.
Another uncommon coverage option from American Family is its auto death indemnity coverage, which can help cover costs in the event of death or certain injuries caused by a car accident, no matter who was at fault.
Policyholders who have gone five years without an accident or major violation may qualify for accident forgiveness on their auto insurance policy, making American Family an ideal choice for anyone looking for reliable and affordable insurance coverage.

GEICO ranks high for affordability and customer satisfaction, making it our runner-up for the best auto insurance provider in North Dakota. On average, policyholders pay $660 annually for their auto insurance coverage. Its mechanical breakdown insurance (MBI) is an uncommon and valuable add-on.
GEICO offers a few add-on coverages that can help drivers mitigate their risk and safeguard their vehicles.
GEICO’s mechanical breakdown insurance (MBI) provides superior coverage at a lower cost than a dealer’s extended warranty. It covers all parts and systems, not just a list of specified items. You can add MBI to your policy if your car is less than 15 months old and has no more than 15,000 miles.
Another uncommon optional coverage from GEICO is its antique and classic car insurance. This acts similarly to a standard auto insurance policy but with a set of coverages specifically tailored to owners of classic cars. Antique and classic car insurance can include everything from standard liability coverages to towing and roadside assistance reimbursement.

With its competitive rates and broad range of valuable coverage options, American Family stands out from its competitors. As the most affordable full coverage auto insurance provider in North Dakota, American Family’s insurance rate averages $616 per year. Additionally, this company provides rare coverage add-ons, including Original Equipment Manufacturer (OEM) coverage.
American Family provides a wide range of optional coverages at affordable rates. Additionally, they offer unique coverages such as OEM coverage, which ensures that any repairs made to your vehicle use original parts from the manufacturer, not aftermarket parts from third parties.
Another uncommon coverage option from American Family is its auto death indemnity coverage, which can help cover costs in the event of death or certain injuries caused by a car accident, no matter who was at fault.
Policyholders who have gone five years without an accident or major violation may qualify for accident forgiveness on their auto insurance policy, making American Family an ideal choice for anyone looking for reliable and affordable insurance coverage.

GEICO ranks high for affordability and customer satisfaction, making it our runner-up for the best auto insurance provider in North Dakota. On average, policyholders pay $660 annually for their auto insurance coverage. Its mechanical breakdown insurance (MBI) is an uncommon and valuable add-on.
GEICO offers a few add-on coverages that can help drivers mitigate their risk and safeguard their vehicles.
GEICO’s mechanical breakdown insurance (MBI) provides superior coverage at a lower cost than a dealer’s extended warranty. It covers all parts and systems, not just a list of specified items. You can add MBI to your policy if your car is less than 15 months old and has no more than 15,000 miles.
Another uncommon optional coverage from GEICO is its antique and classic car insurance. This acts similarly to a standard auto insurance policy but with a set of coverages specifically tailored to owners of classic cars. Antique and classic car insurance can include everything from standard liability coverages to towing and roadside assistance reimbursement.
How the Best Insurers in North Dakota Rank: MoneyGeek Scores and Costs
American Family ranks highest as the overall winner in MoneyGeek's analysis of nine full coverage auto insurers in North Dakota, receiving a score of 79 out of 100 and offering the most affordable average annual rate of $616. American Family also provides a wide range of valuable add-on coverages.
GEICO was a close second, obtaining a MoneyGeek score of 71 with an average annual rate of $660 for a full coverage policy.
To be eligible for a MoneyGeek score, insurers must have enough data for all components of the score.
Best Car Insurance in North Dakota for Customer Service
For those in North Dakota prioritizing outstanding customer service, regardless of cost, Grinnell Mutual is the insurer of choice, as they offer the best customer experience. Our top picks for customer service include:
- Grinnell Mutual: MoneyGeek score of 89 out of 100 ($911 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 88 out of 100 ($877 per year)
Grinnell Mutual earned North Dakota’s highest score in two crucial areas: overall customer satisfaction and claims management reputation.
Despite the high cost of their full coverage policies in comparison to other insurers, the quality of service Grinnell Mutual provides is often worth the tradeoff.

pros
Ranks number 1 for customer satisfaction
Ranks number 1 for claims management
Offers rare coverages such as personal property insurance, lock replacement and locked vehicle
cons
Ranks in the bottom third of insurers for affordability
Lacks many common coverages offered by other insurers
COMPANY HIGHLIGHTS
Grinnell Mutual offers customers a combination of top-notch service and excellent claims management. Even though its prices are higher than most competitors, we believe Grinnell Mutual’s customer service is often worth the extra expense. According to MoneyGeek data sourced from J.D. Power surveys and the NAIC's customer complaint index, Grinnell Mutual earned the highest customer satisfaction rating in North Dakota.
Additionally, the insurer provides locked vehicle coverage, meaning they will reimburse you up to $100 for getting your keys back when you get locked out of your car. It also offers lock replacement coverage, a similar add-on that covers $250 to replace your key entry pad or electronic entry device.
You can add personal property insurance to your policy, protecting up to $500 worth of your personal belongings if they are stolen from your vehicle.
What Makes an Insurer the Best for Customer Service?
Customer service is so important for car insurance companies because customers are typically contacting them during stressful times. You need a company that has your back when times get tough, and we believe Grinnell Mutual is an insurer that will do just that.
Grinnell Mutual earned North Dakota’s highest scores for customer satisfaction and claims management. If these are your priorities, and you don’t mind paying high prices, Grinnell Mutual should be an excellent fit.
Best Car Insurance in North Dakota for Minimum Coverage
Auto-Owners Insurance Co stands out as the top choice for minimum coverage in North Dakota. This insurer offers budget-friendly rates with quality coverage to satisfy the state's minimum requirements.
- Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100 ($289 per year)
- Grinnell Mutual: MoneyGeek score of 89 out of 100 ($302 per year)
Auto-Owners Insurance Co is the third most affordable insurer for minimum car insurance coverage out of the nine insurers we evaluated. It also ranks second for claims management. Bear in mind that minimum coverage policies are the most economical, though they offer limited protection against liability expenses and do not include any coverage for damages to your own car.
If you’re solely concerned about pricing, check out our list of the cheapest minimum coverage auto insurance in North Dakota.

pros
Ranks number 2 for claims management
Ranks number 3 for affordability
Offers discounts for bundling, safe driving and responsible payments
cons
Lacks defensive driving discount
COMPANY HIGHLIGHTS
Auto-Owners offers affordable minimum coverage, ranking as the third-cheapest auto insurer in North Dakota. It also ranked in the top three for claims management and tied for second for coverage options, making Auto-Owners a well-rounded insurer.
Auto-Owners provides most common discounts, including those for bundling multiple vehicles, safe driving and bundling home and auto insurance policies.
It also offers some uncommon discount opportunities. For instance, Auto-Owners’ responsible payment discount provides financial savings for customers who have paid their premiums on time every month for the last three years. You can also get an early signing discount if you’re a new applicant and you request a quote prior to the policy’s effective date.
What Makes an Insurer the Best for Minimum Coverage?
An insurance company with a good minimum coverage policy is one that offers quality service for the lowest possible rate. This means that the rates should be competitive with other insurers while still providing coverage that meets the customer’s needs.
While Auto-Owners’ minimum coverage policy isn’t the cheapest available in North Dakota, it still ranks third for affordability while earning an outstanding score for claims management, making it the top insurer for minimum coverage in this state.
Best Car Insurance in North Dakota for Young Adults
For young adults seeking affordable and reliable car insurance, American Family stands out as the best provider. The best insurers in North Dakota for young adults include:
- American Family: MoneyGeek score of 89 out of 100 ($709 per year)
- GEICO: MoneyGeek score of 86 out of 100 ($816 per year)
Young drivers in North Dakota usually pay more for car insurance than their middle-aged counterparts but typically pay less than teens.
If you're looking to save money, we recommend you compare different insurance companies to find the cheapest car insurance for young adults in North Dakota.

pros
Ranks number 1 for affordability
Provides a broad range of valuable add-ons
Offers good and distant student discounts
cons
Ranks 5th out of 9 insurers for customer satisfaction
No driver’s education discount available
COMPANY HIGHLIGHTS
After a thorough analysis, American Family was identified as the top choice for young adult drivers in the state. Not only is this the cheapest insurer for young adults in North Dakota, but American Family also offers many valuable add-ons and discounts that can benefit drivers in their 20s.
The insurer provides discounts for good students who maintain strong average grades, and it also has a discount for students under the age of 25 who attend college more than 100 miles away and leave their cars at home.
You can also add a variety of coverages to your American Family policy, including roadside assistance, which is a highly beneficial coverage for young drivers. This coverage provides assistance to get your stranded vehicle back on the road.
What Makes an Insurer the Best for Young Adults?
The best insurer for young adults should offer affordable rates and coverages or discounts tailored specifically to drivers in their 20s. For example, some companies (like American Family) offer discounts for good grades or attending college far from home.
American Family's car insurance policies rank first for young adults due to their affordability and coverage options. If you highly prioritize customer service, Grinnell Mutual has a better ranking in that category but charges an average of $1,215 compared to American Family’s average rate of $709.
Best Car Insurance in North Dakota for Seniors
MoneyGeek data shows that American Family offers the best auto insurance for seniors in North Dakota. Our top picks include
- American Family: MoneyGeek score of 88 out of 100 ($551 per year)
- GEICO: MoneyGeek score of 87 out of 100 ($543 per year)
American Family ranks second for affordability and third for claims management. Rates for drivers in their 60s are comparable to those in their 30s to 50s but will likely increase for individuals in their 70s. To get the least expensive car insurance for North Dakota seniors, it is best to compare quotes from multiple companies.

pros
Ranks number 2 for affordability ($551 per month)
Ranks number 3 for claims management
Offers accident forgiveness, gap insurance and OEM coverage
cons
Ranks 5th out of 9 insurers for customer satisfaction
COMPANY HIGHLIGHTS
American Family offers some of the most competitive rates for senior drivers among the providers we evaluated and boasts a wide variety of discounts, making their premiums even more budget-friendly.
In addition, policyholders can benefit from American Family’s coverage options, like roadside assistance and rental car and travel reimbursement, two features that provide peace of mind for senior drivers. Roadside assistance provides help for drivers stranded on the road, as it pays for things like towing and getting a tire changed. Meanwhile, rental car and travel reimbursement coverage covers the cost of a rental vehicle while your car is in the repair shop.
American Family also has some uncommon coverages available, like the auto death indemnity and original equipment manufacturer (OEM) coverages we discussed earlier.
What Makes an Insurer the Best for Seniors?
Insurers who offer seniors competitive rates and full coverage policies with personal injury protection (PIP) are typically the best options. Seniors should also take advantage of discounts like defensive driving, which are often available to them.
American Family was chosen as the best insurer for seniors based on its low rates and outstanding claims management reputation. Although its overall customer satisfaction lags behind some competitors, American Family makes up for it with a great selection of discounts and coverages.
Best Car Insurance in North Dakota for Drivers With Offenses
With American Family, drivers who have committed various offenses, such as speeding, having an at-fault accident or driving under the influence, can get the most competitive rates. Based on affordability and service ratings, here are our recommendations.
- American Family: MoneyGeek score of 91 out of 100 ($688 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($696 per year)
American Family came out on top as the most affordable provider. While its overall customer satisfaction score isn’t impressive, it offers lots of valuable add-on coverages and has a decent claims management reputation.
After a traffic violation, North Dakota drivers can expect their rates to go up by an average of $114 for a speeding ticket, $233 for an at-fault accident and $433 for a DUI. Shopping for affordable car insurance is essential in these circumstances.

pros
Ranks number 1 for affordability ($688/year) and coverage options
Ranks number 3 for claims management
Offers roadside assistance, rental car reimbursement and accident forgiveness
cons
Lacks new car replacement coverage
Ranks number 5 of 9 insurers for customer satisfaction
COMPANY HIGHLIGHTS
American Family has the cheapest full coverage premiums for North Dakotans drivers with imperfect records. Policyholders can expect a good claims management process from this insurer.
American Family offers accident forgiveness coverage, which allows customers to stay at their current rate after an accident, depending on their driving record. It also provides rental car reimbursement to cover the costs of a rental vehicle while your car is being repaired, along with roadside assistance to help with towing and other services for stranded vehicles. These coverages can be highly beneficial for drivers who are prone to committing offenses.
However, American Family does not offer new car replacement coverage, which provides significant peace of mind for those who drive cars manufactured within the last couple of years.
What Makes an Insurer the Best for Drivers With Offenses?
The best insurer for drivers with offenses will depend on the individual situation. Generally, the best insurers for high-risk drivers will offer the most competitive rates and the best coverage options.
While American Family didn’t impress us much regarding overall customer satisfaction, its low price points and broad selection of coverages make up for it. It's also important to compare rates among multiple insurers to make sure you get the best deal.
Best Car Insurance in North Dakota for Drivers With New Cars
MoneyGeek's analysis of insurers that provide new or better car replacement coverage found that Farmers is the top choice for drivers with new automobiles. Our top picks are:
- Farmers: MoneyGeek score of 89 out of 100 ($1,164 per year)
- Allstate: MoneyGeek score of 78 out of 100 ($1,327 per year)
Farmers offers the lowest premiums and most efficient claims management process compared to its competitors in this category. New car owners can benefit from purchasing Farmers’ new car replacement coverage as an additional option on their policies. This coverage will assist you in replacing your car with a new one of the same make and model if it is totaled in a covered accident.

pros
Ranks number 1 for affordability
Ranks number 1 for claims management
Offers new car replacement coverage
cons
Mediocre customer satisfaction reputation
No gap insurance or deductible modification coverage
COMPANY HIGHLIGHTS
Farmers is the most affordable option for North Dakotans with new vehicles, costing an average of $1,164 per year. This company also earned the highest score in this category for claims management, which helps make up for its so-so customer satisfaction reputation.
Additionally, they provide new car replacement coverage, which is a huge benefit for drivers who have recently bought a vehicle. If your car is totaled within the first two years and before reaching 24,000 miles, Farmers will pay to replace it with a brand-new vehicle of the exact same make and model.
You might also be interested in Farmers’ glass deductible modification coverage, which reduces the deductible to just $100 if the loss is restricted to glass. You can even choose a $0 deductible if you sign up for Farmers’ Full Windshield and Glass Coverage.
What Makes an Insurer the Best for Drivers With New Cars?
When searching for the most suitable car insurance provider for new car owners, it is important to take affordability and claims management into account. Additionally, you may find it beneficial to look into an insurer that provides new car replacement coverage, which can assist in protecting drivers financially should their new car be totaled in a collision. These are a few of the reasons why Farmers won this category.
Best Car Insurance in North Dakota for Military Drivers
USAA is the go-to choice for military personnel and their families. It earned the highest rating among car insurers in North Dakota, with a MoneyGeek score of 94 out of 100. This provider offers exclusive discounts to active-duty military members, veterans and their families, in addition to specialized financial products tailored to the military. Furthermore, USAA is renowned for its excellent customer service.

pros
Ranks first for customer satisfaction
Ranks number 1 for affordability ($421 per year)
Offers accident forgiveness add-on coverage
cons
Lacks coverage options
COMPANY HIGHLIGHTS
USAA earned an impressive 94 out of 100 on MoneyGeek's scorecard, with top marks for customer satisfaction and affordability. The average USAA customer pays just $421 a year in premiums, making it the most budget-friendly car insurance provider in the region.
For military personnel and their families, USAA is the ideal car insurer. It offers policies specifically tailored to the needs of service members. USAA does not offer many add-on coverages, but it does have accident forgiveness that prevents your rates from increasing significantly after your first at-fault accident following five accident-free years.
Regarding discounts, USAA has a specific military discount that is only available to personnel who garage their vehicles on base. The company’s legacy discount is also a great money-saver for policyholders whose parents or grandparents also served in the military and purchased USAA coverage.
How to Find the Best Car Insurance in North Dakota for You
Shopping for car insurance in North Dakota? MoneyGeek's guide gives you the resources to make the right choice. To make sure you're getting the best deal, consider the price, service quality and overall financial health of the insurer. Following these steps will help you decide on the best car insurance policy for you.
Research customer service reputations in North Dakota
MoneyGeek simplifies the car insurance comparison shopping process by collecting data from J.D. Power satisfaction scores and NAIC complaint ratios. If you wish to do this on your own, you can visit the North Dakota Insurance Department website and search customer service satisfaction ratings and complaint ratios of each insurer.
Compare quotes
To get an accurate estimate of the cost of your car insurance, it is recommended that you obtain quotes from at least three different insurers. MoneyGeek's quotes provide an average for typical drivers in most of North Dakota. However, to ensure that you get the best deal on insurance in your area, it is best to compare multiple quotes.
Find the coverages you want in North Dakota
When searching for car insurance, be sure to check that the provider offers the exact coverages and discounts you desire. Many companies promote coverages and discounts that may not be accessible in all areas. Make sure to confirm with your insurer that they can provide the required coverages.
Check financial stability ratings
Before signing up with an insurer, you should always evaluate their financial strength rating. While larger, more established national insurance companies typically possess a more substantial financial standing, regional companies based in North Dakota may have a lower rating. Thus, it is advisable to thoroughly examine the financial strength ratings of the companies you are considering.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in North Dakota
The auto insurance provider that is most suitable for you depends on your requirements and driving history. MoneyGeek provides responses to some of the most commonly asked questions concerning car insurance in North Dakota.
About Mark Fitzpatrick
