The Best Car Insurance in North Dakota for 2022

The best car insurance companies provide affordability, financial stability and great customer support. The top car insurance company in North Dakota is GEICO, with strong scores in all three of these categories, according to MoneyGeek’s rating system.

Please note that the best option for you depends on your unique profile. For instance, drivers with new cars may find Allstate to be a great option, while those seeking the best customer service might prefer Auto-Owners.

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Last Updated: 11/2/2022
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The Best Car Insurance in North Dakota

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

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Methodology

Why Trust MoneyGeek? Our scoring system for car insurance in North Dakota incorporates hundreds of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.

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Quotes Analyzed

 
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Companies Compared

 
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ZIP Codes

Best Full Coverage Car Insurance Companies in North Dakota: Overall

According to our detailed evaluations, GEICO is the best car insurance company in North Dakota, with a MoneyGeek score of 86 out of 100.

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

  • GEICO: MoneyGeek score of 86 out of 100 ($555 per year)
  • State Farm: MoneyGeek score of 80 out of 100 ($579 per year)

USAA is not on the list but received a score of 100 out of 100, ranking it as the top insurer for active and retired military members.

MoneyGeek rated the top insurance companies in North Dakota using customer satisfaction, claims repayment and affordability. For drivers looking to save on their monthly expenses, MoneyGeek listed the cheapest full coverage car insurance in North Dakota.

THE TOP CAR INSURANCE COMPANIES IN NORTH DAKOTA

1
GEICOBest Overall
Score:86

4.1/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO leads in stability and affordability while tying for the top spot in satisfaction. The company offers mechanical breakdown insurance.

Average Annual Cost: $555

More About GEICO

GEICO offers add-on coverage for mechanical breakdown insurance. This provides better coverage at a lower 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 provides accident forgiveness for drivers with a five-year accident-free record who are over the age of 21. If you are at fault in an accident, your rates won’t go up. Additionally, GEICO has two common add-on options. Roadside assistance covers GEICO policyholders for a flat tire, towing, locksmith labor and jumpstart costs. Those with rental car or travel reimbursement get compensated for a rental vehicle if their car isn’t driveable for at least 24 hours.

2
State Farm
Score:80

4/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm has a MoneyGeek rating of 4 out of 5 in all categories, making it the second-best option in the state. The company offers rideshare insurance.

Average Annual Cost: $579

More About State Farm

State Farm’s rideshare insurance ensures that medical, emergency roadside assistance and rental car reimbursement in your personal auto policy remain 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 pays for mechanical labor for up to one hour, towing, jumpstarts, delivery of gas and oil and tire change. In the event your car’s key is lost, stolen or locked inside, you can get assistance from a locksmith. Additionally, State Farm policyholders can get rental car and travel reimbursement and a $500 deductible repayment if they cause an accident in their rental car. Your car rental expenses, meals, lodging and transportation are covered up to $500.

3
American Family
Score:78

4/5

Affordability

3.5/5

Claims

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 in financial 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 helps ensure aftermarket parts will not be used when repairs are made to your vehicle. This insurer also offers gap insurance, which pays the difference between the amount you still owe on your lease or loan and the actual cost of replacing it.

4
Progressive
Score:76

3.2/5

Affordability

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive’s insurance premiums average $720 per year. The company has a MoneyGeek rating of 4.5 out of 5 on stability, ranking it second in that category. It also ranks 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 aftermarket 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.

5
AAA
Score:73

2.8/5

Affordability

4/5

Claims

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 scale. The insurer offers identity theft monitoring.

More About AAA

Identity theft monitoring is included with AAA membership and protects your account from fraudulent activities. AAA offers roadside assistance that includes towing, lockout services and jumpstarts, along with rental car and travel reimbursement coverage to get you back on the road if your car is inoperable.

6
Farmers
Score:73

3.3/5

Affordability

4/5

Claims

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 of repairing or replacing aftermarket equipment like infotainment systems and custom wheels. They also offer glass deductible modification, which allows you to reduce your comprehensive deductible to just $100 when the loss is limited to glass components.

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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:

Best Car Insurance in North Dakota for Customer Service

MoneyGeek’s evaluations reveal that the best companies for quality customer service are:

  • Auto-Owners Insurance Co: MoneyGeek score of 96 out of 100
  • GEICO: MoneyGeek score of 87 out of 100

MoneyGeek ranked the top car insurance companies in North Dakota by consumer satisfaction and claims ratings without factoring in cost.

THE TOP TWO CAR INSURANCE COMPANIES IN NORTH DAKOTA FOR SERVICE QUALITY

1
Auto-Owners Insurance CoBest for Customer Service
Score:NaN

Claims

User Satisfaction

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners has customer satisfaction and financial stability ratings of 5, with 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 more than 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. Auto-Owners also provides diminished value coverage, which protects your vehicle’s value after an accident. Even after repairs, your car’s value is no longer the same, so you’ll be compensated for the reduction in value. At the end of the day, you’ll want to choose an insurance provider that can process your claims in a timely manner. Excellent customer service might give you peace of mind during a stressful time.

2
GEICO
Score:87

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. It offers the cheapest premiums without compromising on satisfaction and claims.

More About GEICO

GEICO offers accident forgiveness that prevents your rates from increasing. You can purchase this coverage or earn it if you are at least 21 years old and haven’t had an accident in the last five years. You can also get mechanical breakdown insurance (MBI) with GEICO, which is a unique supplementary coverage. Compared to the standard dealer’s extended warranty, MBI offers more robust coverage at a cheaper rate. All parts and systems are covered as long as your vehicle is less than 15 months old and has been driven less than 15,000 miles.

Best Car Insurance in North Dakota for Minimum Coverage

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

  • GEICO: MoneyGeek score of 82 out of 100 ($283 per year)
  • AAA: MoneyGeek score of 77 out of 100 ($286 per year)

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 service.

If you want to prioritize savings, MoneyGeek selected the cheapest minimum coverage car insurance policies in North Dakota.

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, which means that you’ve been accident-free for a minimum of five years. GEICO also offers discounts for drivers who insure multiple vehicles and for those who bundle various GEICO insurance policies.

GEICO also has several relatively common discounts, such as those for anti-theft systems and airbags. You might be able to get discounts for belonging to an affinity organization, having anti-lock brakes or buying a new vehicle. With the new vehicle discount, your car must be no more than three years old to qualify.

Lastly, GEICO offers rare discounts for those with daytime running lights and for those who use their seatbelt. Overall, there are many discounts that policyholders can utilize to get a lower rate.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in North Dakota for Young Drivers and Students

MoneyGeek’s analysis included drivers in their late teens and early 20s, in high school or college. Based on our evaluations, the top insurance companies in North Dakota for young drivers are:

  • GEICO: MoneyGeek score of 91 out of 100
  • Progressive: MoneyGeek score of 84 out of 100

MoneyGeek used premium costs and customer service ratings to rank the best insurers for students and young drivers. Auto insurance premiums can be pricey for young drivers. That’s why MoneyGeek also selected the cheapest car insurance in North Dakota for young drivers and students.

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.

MoneyGeek found that GEICO earned a perfect score in customer satisfaction. Good service is essential when adding a young driver to your policy. Considering filing claims can be stressful, good customer service makes it easier for everyone.

GEICO provides opportunities for young drivers to save money, like their good student and driver’s education discounts. To get a good student discount, you must be a full-time student with a stellar academic standing. Meanwhile, young drivers might be able to get a driver’s education discount when they complete a qualifying course.

Unfortunately, GEICO doesn’t provide a distant student discount for its policyholders.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in North Dakota for Seniors

MoneyGeek determined the top-rated auto insurance companies in North Dakota for seniors based on quality service and cost. The best options are:

  • GEICO: MoneyGeek score of 87 out of 100 ($502 per year)
  • State Farm: MoneyGeek score of 79 out of 100 ($562 per year)

We computed each insurer’s ratings based on its customer service and affordability. For older adults on a budget, MoneyGeek has a list of affordable car insurance companies for North Dakota seniors.

MoneyGeek’s Pick: GEICO

GEICO

pros

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Offers cheap rates for seniors averaging $502 per year

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Has accident forgiveness and roadside assistance

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Senior and defensive driving discounts available

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Perfect customer service rating

cons

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No paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

Seniors should expect to pay higher rates than middle-aged adults. Fortunately, GEICO offers multiple discounts, like a senior driver discount for those over 50 years old. Another way to get a discount is to complete a defensive driving course.

Senior drivers can also add supplementary coverages like mechanical breakdown insurance, accident forgiveness, roadside assistance and rental car or travel reimbursement. Consider these add-ons if you need a little extra coverage. For example, roadside assistance is ideal for emergency situations when you need either towing, locksmith services or new tires.

Overall, GEICO is an excellent option for senior drivers. The insurance company garnered a claims rating of 4 out of 5 and a customer satisfaction rating of 5 out of 5.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in North Dakota for Bad Driving Records

As per our comprehensive evaluations,** State Farm** and American Family are the two best car insurance companies for those with bad records. Their overall ratings are as follows:

  • State Farm: MoneyGeek score of 84 out of 100 ($689 per year)
  • American Family: MoneyGeek score of 84 out of 100 ($598 per year)

MoneyGeek rated the best car insurance companies for drivers with at-fault accidents in North Dakota based on their costs and customer service reputations. Because your driving history influences your premiums, MoneyGeek also found the cheapest car insurance in North Dakota for those with a DUI or bad record.

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 record, with premiums averaging $689 per year. The company has a rating of 4 out of 5 for claims and customer satisfaction.

State Farm provides the following add-on coverages if you are involved in an accident:

  • Roadside assistance: Policyholders can get roadside assistance that includes towing, tire change and jumpstarts.
  • Rental car reimbursement: The company pays for a rental car if your vehicle is inoperable after an accident.
Read MoneyGeek's State Farm Auto Insurance Review

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 100 out of 100 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

Again, USAA offers some of the cheapest auto insurance policies and has great customer service in North Dakota and across the U.S. MoneyGeek listed coverages and discounts that USAA offers, including:

  • Accident Forgiveness: When you have your first at-fault accident, USAA will not increase your premiums. To qualify, you must be accident-free for a minimum of five years.
  • Rideshare Insurance: USAA policyholders can get rideshare gap coverage by only paying as little as $6 per month. This is ideal for drivers who aren’t fully covered by their ridesharing company.
  • Safe Driver: If you stay accident-free for five years, you qualify for a discount on your auto insurance premium.
  • Loyalty: Consistent policyholders with USAA qualify for discounts.
Read MoneyGeek's USAA Auto Insurance Review

Best Car Insurance in North Dakota for Those With New Cars

MoneyGeek’s analysis determined Allstate, with a MoneyGeek score of 70 out of 100 ($990 per year), to be the best insurance company in North Dakota for drivers with new cars.

MoneyGeek reviews include ratings for the best car insurance companies in North Dakota that offer new car replacement coverage. 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, potentially paying for a newer model of your vehicle. Both are paid add-ons and are not included in the standard policy.

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

MoneyGeek determined that Allstate is a good option for first-time or new drivers, considering it offers new car replacement coverage. A vehicle begins to depreciate as soon as you drive it from the lot. Allstate’s new car replacement coverage replaces your car with the same model if it gets totaled. To qualify, your vehicle has to be a maximum of two years old.

MoneyGeek selected Allstate as our category winner since the company garnered a perfect customer satisfaction rating and earned 4 out of 5 in claims. However, one downside of Allstate is that its premiums are noticeably pricier in comparison to its counterparts in North Dakota. It also does not offer better car replacement coverage.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in North Dakota for Low-Mileage Drivers

MoneyGeek’s evaluation discovered that Nationwide SmartMiles is the best option for low-mileage drivers in North Dakota.

Insurers are encouraging the use of pay-per-mile coverage, under which you pay for premiums according to how much you drive. With SmartMiles, there is a base rate and a variable rate that varies based on how much you drive.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Discount for safe driving

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Road-trip friendly

cons

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Not the cheapest option

COMPANY HIGHLIGHTS

Nationwide SmartMiles includes an exception for road trips, as it only counts the first 250 miles you drive each day. There is also a behavior element that provides up to a 10% discount for safe driving.

Read MoneyGeek's Nationwide Auto Insurance Review

How to Find the Best Car Insurance in North Dakota 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:

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.