The Best Car Insurance in North Dakota for 2022

The best car insurance companies provide affordability, financial stability and affordability. The top car insurance company in North Dakota is GEICO, leading in affordability, stability and customer satisfaction.

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Last Updated: 5/13/2022
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MoneyGeek categorized car insurance companies by premium costs, customer service and other factors. While GEICO emerged as the best insurance company in North Dakota, you might find other options based on your insurance needs.

If you are looking for the cheapest car insurance in the state and don’t care much about the quality of service, MoneyGeek’s analysis can help you choose the right company for you.

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The Best Car Insurance in North Dakota

Best Car Insurance Companies in North Dakota: Overall

MoneyGeek rated the top insurance companies in North Dakota using customer satisfaction, claims repayment and affordability.

The two top insurers with the best and cheapest insurance in the state are:

  • GEICO: MoneyGeek score of 4.3 out of 5
  • State Farm: Money Geek score of 4 out of 5

USAA is not on the list but received a score of 5 out of 5, ranking it as the top insurer for active and retired military members.

The Top 6 Car Insurance Companies in North Dakota

1
GEICO
Score:4.3

4.1/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO offers the cheapest premiums at $555 annually. It leads in stability and affordability while tying for the top spot in satisfaction. The company offers mechanical breakdown insurance.

More About GEICO

GEICO offers mechanical breakdown insurance. This provides better coverage at a cheaper price than a typical extended warranty from a dealer. It includes all parts and systems, not just the specific list of items covered by most dealer warranties. GEICO also offers accident forgiveness for drivers with a two-year accident-free record. If you are at fault in an accident, your rates won’t go up.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4

4/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State farm offers premiums at an average of $579 per year. It has a MoneyGeek rating of 4 out of 5 in all categories, making it the second-best state. The company offers rideshare insurance.

More About State Farm

State Farm’s rideshare insurance ensures that medical, emergency roadside assistance and rental car reimbursement in your personal auto policy remains in effect when you’re working for a ridesharing company. It also puts your personal policy deductible into effect. The insurer also offers roadside assistance coverage that covers towing, jumpstart and tire change.

Read MoneyGeek's State Farm auto Insurance Review
3
American Family
Score:3.9

4/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

American Family provides coverage at an average cost of $577. The company ranked second on stability with a rating of 4.5 out of 5 and tied for second place in satisfaction with a score of 4 out of 5. The insurer provides original equipment manufacturer coverage.

More About American Family

American Family’s original equipment manufacturer (OEM) coverage is additional coverage you can purchase that helps ensure aftermarket parts will not be used when repairs are made to your vehicle. The company also has a personal injury protection coverage that pays for medical expenses and loss of income arising from an accident.

Read MoneyGeek's American Family auto Insurance Review
4
Progressive
Score:3.8

3.2/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive’s insurance premiums average at $720 per year. The company has a MoneyGeek rating of 4.5 out of 5 on stability, ranking it second in that category and second on affordability with a 3 out of 5. It offers custom parts and equipment coverage.

More About Progressive

Progressive’s custom parts and equipment (CPE) coverage can repair or replace items that you add to your car, like a stereo, navigation system or even a paint job. If it wasn't installed by the original manufacturer, it's considered an after-market accessory that you'll want to insure. The company also offers rental reimbursement that covers rental cars and transport services if your car is at the repair shop after an accident.

Read MoneyGeek's Progressive auto Insurance Review
5
AAA
Score:3.6

2.8/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

AAA offers insurance premiums at an average cost of $ 784 annually and has a stability rating of 4 out of 5 on the MoneyGeek score. The insurer offers identity theft monitoring.

More About AAA

Identity Theft Monitoring is included with AAA membership. AAA offers roadside assistance that includes towing, lockout services and jumpstarts. The company also offers personal injury protection that covers treatment and loss of income arising from an accident.

Read MoneyGeek's AAA auto Insurance Review
6
Farmers
Score:3.6

3.3/5

Affordability

3.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

Insurance premiums with Farmers cost an average of $706 per year. The company received a MoneyGeek rating of 4 out of 5 on stability and 4 out of 5 on claims tying for first place in this category. Farmers offers custom parts coverage.

More About Farmers

Farmers’ custom parts coverage covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels. They also offer personal injury protection cover that pays for medical expenses and loss of income for you and your passengers when involved in an accident.

Read MoneyGeek's Farmers auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN NORTH DAKOTA

To rate the best full coverage car insurance in North Dakota, MoneyGeek used full coverage policy quotes from various insurers alongside satisfaction and claims ratings by NAIC and J.D. Power. Various factors determine the cost of premiums. You can refer to MoneyGeek's methodology for more information.

MoneyGeek's North Dakota Car Insurance Resources:

Compare the Best Insurance Options in North Dakota

Factors that determine the best car insurance in North Dakota include cost, financial strength and customer service. Although based on your needs, you may want to review other options suited to your needs. MoneyGeek’s analysis can assist you in finding the best auto insurance companies in North Dakota.

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Best Car Insurance in North Dakota for Customer Service

MoneyGeek ranked the top car insurance companies in North Dakota by consumer satisfaction and claims ratings.

Evaluating these considerations and without factoring in cost, the best companies for customer service are:

  • Auto-Owners Insurance Co: MoneyGeek score of 4.8
  • GEICO: MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in North Dakota for Service Quality

1
Auto-Owners Insurance Co
Score:4.8

4.5/5

Claims

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners Insurance Co has a customer satisfaction rating of 5 and a claims rating of 4.5.

More About Auto-Owners Insurance Co

The company offers a Personal Automobile Plus Package that makes life easier by packaging optional coverages for one competitive rate. It has over 10 additional coverages and protects you from incurred expenses such as identity theft, replacing your cell phone and more. It also offers roadside assistance and new car replacement coverage.

Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review
2
GEICO
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO has a consumer satisfaction rate of 4.5 and a claims rating of 4 out of five and offers the cheapest premiums without compromising on satisfaction and claims.

More About GEICO

GEICO offers gap coverage that pays for the difference between the value of the car and what you owe if you have bought it on loan and it gets totaled. It also offers you accident forgiveness that prevents your rates from increasing. This is only if you have had their policy for at least two years and are involved in an at-fault accident.

Read MoneyGeek's GEICO auto Insurance Review

Best Car Insurance in North Dakota for Drivers on a Budget

MoneyGeek’s research offers insights on the best offers if you want a car insurance policy in North Dakota that only meets the minimum requirements. The best companies provide affordability and quality of service.

The best car insurance companies in North Dakota for drivers on a budget are:

  • GEICO: 4.3 out of 5
  • AAA: 3.8 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Annual premiums cost $283

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MoneyGeek satisfaction rating of 4.5 out of 5

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MoneyGeek claims a rating of 4

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Variety of discounts

cons

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Certain features and discounts aren’t available in all states

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Does not offer away at study discount to students

COMPANY HIGHLIGHTS

You can get additional savings on premiums by taking advantage of safe driver discounts GEICO also offers new vehicle discounts for cars less than three years old.

You can also get additional discounts on your policy by bundling various GEICO insurance policies and installing anti-theft devices on your car.

Best Car Insurance in North Dakota for Poor Driving Records

MoneyGeek rated the best car insurance companies for at-fault accident drivers in North Dakota using cost and best customer service. The top companies for those with bad records are as follows:

  • State Farm: 4.2 out of 5
  • American Family: 4.2 out of 5

MoneyGeek’s Pick: State Farm

State Farm

pros

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Policy after at-fault accident costs $689 annually

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Claims rating of 4 out of 5

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Provides liability coverage that is above the state minimum.

cons

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Does not provide offer gap coverage

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Offers accident forgiveness after a nine-year accident-free period

COMPANY HIGHLIGHTS

State Farm provides the best car insurance policy for drivers with a poor history, with premiums as low as $689 per year. The company has a rating of 4 out of 5 for both claims and customer satisfaction.

State Farm provides the following if you are involved in an accident:

  • Roadside assistance: Policyholders get roadside assistance that includes towing, tire change and jumpstarts.
  • Rental car reimbursement: The company pays for a rental car if your vehicle is immobile after an accident.
  • Accident forgiveness: State Farm offers accident forgiveness to drivers who maintain a nine-year accident-free record on their first at-fault accident.
  • New car replacement: State Farm reimburses you for the value of your car minus the deductibles if your car is totaled.

Best Car Insurance in North Dakota for a Military Background

MoneyGeek’s rating lists USAA as the best insurance provider for active duty and retired military. The company received a rating of 5 out of 5 based on MoneyGeek’s ratings, scoring highly across all categories.

A state minimum policy in North Dakota with USAA costs roughly $171 annually, while a full coverage policy costs around $403.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy for poor drivers at $565 per year

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Offers additional benefits to active military members

cons

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Only serves members of the military and their families

COMPANY HIGHLIGHTS

Coverages and discounts offered by USAA include:

  • Safe driver: If you stay accident-free for five years, you qualify for a discount on the premium.
  • Loyalty: Consistent policyholders with USAA qualify for discounts.
  • Personal injury protection: This pays for medical and loss of income for you and your passengers in case of an accident.
  • Liability coverage: This covers the death or injury of others if you are involved in an accident.

Best Car Insurance in North Dakota for Young Drivers and Students

MoneyGeek used premium costs and customer service to rate the best insurers for students and young drivers.

The top companies for young drivers are:

  • GEICO: 4.6 out of 5
  • Progressive: 4.2 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable annual premiums of $1,568

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Offers good student discount

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Driver training discount

cons

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Does not offer an away student discount

COMPANY HIGHLIGHTS

Including a young driver in your policy can be costly, but GEICO minimizes the cost while offering excellent service. Good service is essential when adding a young driver to your policy.

Considering filing claims can be stressful, good customer service makes it easier.

GEICO discounts are beneficial to families with young drivers, discounts such as good student and drivers’ education offer savings to the policyholder.

Best Car Insurance in North Dakota for Those With New Cars

MoneyGeek reviews include ratings for the best car insurance companies in North Dakota that offer new car replacements. New car replacement pays for the cost of replacing your car with a similar model if it is totaled. Some also offer better car replacement that pays for a newer model of your vehicle. This cover is not included in the standard policy and is paid for as an add-on.

The insurer ranked best in this category is Allstate, with a MoneyGeek rating of 3.5 out of 5.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Affordable premiums of $990

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Claims rating of 4 out of 5

cons

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Its premiums are relatively expensive compared to other insurers in the state

COMPANY HIGHLIGHTS

Allstate is a good option for first-time or new drivers, considering it offers new car replacements. A vehicle begins to depreciate as soon as you drive it from the lot. A new car cover replaces your car if you are unlucky to get in an accident soon after buying it.

Allstate’s new car replacement coverage replaces your car with the same model if it gets totaled as long as it is two years old and below.

Best Car Insurance in North Dakota for Low-Mileage Drivers

Insurers are encouraging the use of pay-per-mile coverage under which you pay for premiums according to how much you drive in North Dakota. Allstate is the best option for low mileage drivers in the state.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Allstate offers affordable rates for low mileage drivers

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Satisfaction ratings of 4.5 out of 5

cons

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If you often drive, the charges are more than the regular insurance cover

COMPANY HIGHLIGHTS

The all-state pay-per-mile program available in North Dakota is the Allstate Miles, which charges daily and per-mile rates when you drive.

How to Find the Best Car Insurance in North Dakota in For You

If you are looking for the best car insurance premiums in North Dakota, you need to review cost, quality of service and financial stability.

MoneyGeek cataloged a list of the best insurers, but you can also do your research and comparison.

1

Research Customer Service Reputation in North Dakota

MoneyGeek used NAIC complaint and customer satisfaction ratings by J.D. Power and quotes collected from various insurers to rate the best insurers in North Dakota. Apart from MoneyGeeks reviews, you can also use scores from J.D. Power and NAIC to choose the right company. You can also visit the Department of Insurance website for more information.

2

Compare Quotes for Yourself

MoneyGeeks quotes are gotten from most of North Dakota and aren’t representative of the whole state. It is best to have about three quotes to compare covers.

3

Make Sure the Company has Coverage You Want in North Dakota

Some insurers advertise coverages and discounts, but these features may not be available in all states. Confirm with an insurer if what you need is available.

4

Double-Check Financial Stability Ratings

Large insurers have better finances and better ratings than regional insurers in North Dakota, who have lower ratings. Financial stability has tremendous influence over claims settlement.

FAQs About the Best Car Insurance in North Dakota

The best car insurance in North Dakota is determined by the insurance coverage you want. Here are answers to some commonly asked questions:

Methodology

MoneyGeek worked with Quadrant information services to collect car insurance information in North Dakota. The sample driver used is a 40-year-old male and drives a 2010 Toyota Camry LE. He has a comprehensive collision policy with a 100/300/100 limit and a deductible of $1,000.

Financial strength, customer satisfaction and claims settlement data are from J.D. Power, AM Best and the National Association of Insurance Commissioners. (NAIC). Information on discounts and coverages was obtained from company websites.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.