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Best car insurance in North Dakota for 2023

Updated Sep 15, 2023
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Best car insurance companies in North Dakota

According to premium data from Quadrant Information Services, the average cost of full coverage car insurance in North Dakota is $1,302 annually. Minimum coverage costs an average of $269. However, the cheapest option isn’t necessarily the best. That’s why we evaluated other metrics, such as third-party customer service scores issued in J.D. Power’s 2022 U.S. Auto Insurance Study, financial strength ratings from AM best, digital tool availability and more. Our research found that Progressive, Nationwide, Allstate, Farmers and North Star Mutual are among the best North Dakota car insurance companies.

Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
820
/1,000
Average monthly full coverage premium
$104
Average annual full coverage premium
$1,243
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Central region)
800
/1,000
Average monthly full coverage premium
$85
Average annual full coverage premium
$1,019
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
816
/1,000
Average monthly full coverage premium
$129
Average annual full coverage premium
$1,545
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly full coverage premium
$91
Average annual full coverage premium
$1,091
North Star Mutual
J.D. Power score (Central region)
Not rated
Average monthly full coverage premium
$114
Average annual full coverage premium
$1,367
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
820
/1,000
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$356
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Central region)
800
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$315
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
816
/1,000
Average monthly minimum coverage premium
$40
Average annual minimum coverage premium
$485
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly minimum coverage premium
$17
Average annual minimum coverage premium
$200
North Star Mutual
J.D. Power score (Central region)
Not rated
Average monthly minimum coverage premium
$16
Average annual minimum coverage premium
$195
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for digital tools

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 820/1,000 AM Best: A+

Average annual premium

$ 1,243 for full coverage
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Why Progressive made our list: From shopping to service, Progressive’s digital tools can help make it easy to handle your insurance needs from the convenience of your home. Using the company’s Name Your Price Tool, you might tailor a coverage package that suits your needs while still fitting into your budget. Once on board, you can carry digital ID cards, make payments and update your policy using Progressive’s mobile app. Progressive also placed third highest in the service category per the J.D. Power 2022 U.S. Insurance Digital Experience Study

Who Progressive may be good for: Tech-savvy drivers or those new to insurance might find Progressive’s Name Your Price Tool especially helpful when building out their policy. 

Read full Progressive insurance review

Best for cheap average rates

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 800/1,000 AM Best: A+

Average annual premium

$ 1,019 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Nationwide made our list: Out of the North Dakota auto insurance companies we analyzed, Nationwide offers some of the state's cheapest car insurance rates. Drivers might save even more by taking advantage of Nationwide's many discount opportunities, like savings for being accident-free, ticket-free or bundling auto and home insurance. In addition, Nationwide offers SmartMiles, a pay-per-mile insurance program that could lower your premium if you don’t drive very often. 

Who Nationwide may be good for: Nationwide could be a great choice for drivers more concerned with cheap rates than they are with customer service. 

Read full Nationwide insurance review

Best for robust coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 816/1,000 AM Best: A+

Average annual premium

$ 1,545 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Although far from the cheapest car insurance in ND, Allstate’s rates could be worth its robust coverage options. Outside of the standard coverage types you’d expect, Allstate offers Extended Vehicle Care, a program similar to an extended car warranty. This may provide financial protection for some of the most important systems in your vehicle, including the steering, suspension and powertrain. You might also add a la carte coverage for paint, fabric, tires, wheels and more. Extended Vehicle Care starts as low as $19 a month. 

Who Allstate may be good for: Allstate may be ideal for North Dakotans willing to pay higher-than-average rates to access coverage options unavailable with other carriers. 

Read full Allstate insurance review

Best for households with young drivers

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 828/1,000 AM Best: A

Average annual premium

$ 1,091 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Farmers made our list: Many parents cringe at the thought of their teen getting their license — insurance companies charge teens some of the highest premiums because of their accident frequency rates. To help, Farmers offers multiple savings opportunities for eligible young drivers, including discounts for good students, students away at school and teens sharing a family car. 

Who Farmers may be good for: Parents or guardians looking to lower their premium after insuring a newly-licensed teen or young adult child might want to request a quote from Farmers. 

Read full Farmers insurance review

Best for local agencies

JD Power: Not rated AM Best: A+

Average annual premium

$ 1,367 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why North Star Mutual made our list: North Star Mutual is a regional company available in eight Midwestern states, North Dakota included. While the company doesn’t offer digital tools, their services might be appealing to those who prefer to have a one-on-one relationship with an agent. Some experts say that local agents may be more aware of the needs of the drivers they insure if they also live in that area.

Who North Star Mutual may be good for: North Star Mutual might be for you if you prefer to handle your insurance needs in person at a local agency.

How Bankrate chose the best car insurance companies in North Dakota 

To find the best auto insurance in North Dakota, we analyzed average premiums provided by Quadrant Information Services to find the most competitive carriers. Then, we used our specialized lens to evaluate metrics that we, as insurance agents, feel are most important to consumers. These include coverage options, customer service hours and discount opportunities, among others. Once we had a holistic view of a carrier, we converted this data into our proprietary Bankrate Score, which ranges from 0.0 to 5.0. The higher a company’s Bankrate Score, the better it fared in our evaluation. Our goal is to give readers a quick way to assess companies as they shop for a new policy.

How much is car insurance in North Dakota?

The average cost of car insurance in North Dakota is $1,302 per year for a full coverage policy and $269 for a minimum coverage policy. These rates are much lower than the national averages of $2,014 and $622, respectively. When compared to some of its neighboring states, North Dakotans continue to pay lower-than-average rates. For instance, drivers in Minnesota pay, on average, $1,760 per year for full coverage. In Montana, drivers may expect to pay an average annual rate of $1,889.

North Dakotans might pay below-average premiums because of the state’s sparse population. Insurance prices are partially based on statistics, and the less congested the roads, the less likely you are to be involved in an accident.

Average annual premium for full coverage in North Dakota Average annual premium for minimum coverage in North Dakota
$1,302 $269

How to find the best car insurance in North Dakota

Insurance is not one-size-fits-all. One company could be best for your friend or family member but less than ideal for your needs. If you keep the below considerations in mind as you request quotes, you might find the auto insurance in North Dakota that makes the most sense for you. 

Consider minimum insurance requirements in North Dakota

North Dakota law states that drivers must carry a minimum level of liability coverage to drive legally on public roads. Although an agent cannot sell you a North Dakota policy that fails to meet these requirements, knowing the state minimum liability limits might give you a baseline when you’re selecting your level of coverage. Additionally, many insurance professionals recommend that drivers carry above the state minimum for better financial protection. If you’re in an at-fault accident and the damage you cause exceeds your liability limits, you could be on the hook for massive out-of-pocket expenses. 

Consider lender requirements

When you finance or lease a car, you will almost certainly need to carry comprehensive and collision coverage on your policy to meet the requirements of your loan agreement. Drivers who are leasing will probably need to carry higher liability limits, too (usually $100,000 per person and $300,000 per accident in bodily injury coverage and $50,000 in property damage coverage). Since your lender has a financial interest in your vehicle while you’re paying it off, the lending company wants to be sure the car will be repaired if it’s damaged. While it may be optional, you might also consider adding gap insurance. This coverage can help if your vehicle is declared a total loss and you owe more than what the car is worth. 

Consider your individual needs

As mentioned, insurance is personalized, and the best policy is usually one that’s tailored to you. For example, if you need to insure a young driver, it might be a good idea to seek out companies with more than one discount for those under age 25. Perhaps your driving record and credit aren’t perfect. In that case, you might want to contact carriers that offer high-risk insurance. When it comes to coverage, North Dakota is unique. The state is rural, rugged and and has many weather hazards — it might be difficult to get a tow or alternative transportation after an accident. As such, North Dakotans may want to consider options like emergency roadside assistance and rental reimbursement to round out their policies. 

Frequently asked questions

Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute