Our editorial team analyzed regional and national auto insurance companies that sell policies in North Dakota to assess which offer drivers the best rates, coverage options, customer service, and savings. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
When choosing the best car insurance company in North Dakota, one company isn’t going to suit everyone. Every driver has unique needs, whether it’s how much coverage they need or how much they want to spend. So the right insurance company for you might look different from your neighbor’s.
If you live in the Roughrider State, shopping around can help you find the best car insurance policy for your situation. Insurify analyzed 50 insurance companies in North Dakota to help you find the right one for you.
Best car insurance companies in North Dakota
Some car insurance companies offer customers a better experience than others. The list below highlights the best auto insurance companies in North Dakota, according to our research.
American Family: Best overall
Auto-Owners: Best for customer experience
State Farm: Best for bundling
Midvale Home & Auto: Best for cheap rates
The General: Best for high-risk drivers
How to get the best car insurance in North Dakota
Finding the best car insurance can be challenging. But you can use the tips below to find the right coverage at the best price in North Dakota.
Average cost of car insurance in North Dakota
North Dakota drivers pay an average of $96 per month for car insurance, which adds up to an average annual rate of $1,152. The average monthly cost of a full-coverage policy is $122, and liability-only insurance costs an average of $70 per month.
North Dakota drivers tend to pay less than the national average for auto insurance. Rates have risen in the Peace Garden State over the last few years, but the increases have been relatively moderate compared to the rest of the country.
It’s worth noting that your rate may differ from the average car insurance cost. With discounts, you might pay less than the average rate. But your insurance might be more expensive if you’re a high-risk driver. If you have incidents on your record, you can still find affordable coverage through an insurer known for working with high-risk drivers.
Best car insurance in North Dakota FAQs
If you need help finding car insurance, the following answers to common questions from North Dakota drivers may help.
How much is car insurance in North Dakota?
Drivers in North Dakota pay an average of $96 per month for car insurance. For a minimum-coverage policy, the average cost is $70 per month, and full-coverage insurance is $122.
What are the best car insurance companies in North Dakota?
American Family, State Farm, Auto-Owners, The General, and Midvale Home & Auto are some of the best car insurance companies in North Dakota. But the best insurer for you depends on your situation. Comparing rates from multiple companies can help you find the coverage you need at the right price.
What is the required auto insurance coverage amount in North Dakota?
North Dakota requires drivers to purchase the following minimum auto insurance coverages:5
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured motorist coverage
$25,000 per person and $50,000 per accident in underinsured motorist coverage
$30,000 per person in personal injury protection
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