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Best car insurance in North Dakota for 2024

Geico, Nationwide and Allstate write some of the best car insurance in North Dakota.

Updated Feb 21, 2024
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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 $1,670 annually. Minimum coverage costs an average of $364. 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 2023 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 write some of the best car insurance in North Dakota.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,488
$451
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$2,004
$703
3.8
Rating: 3.8 stars out of 5
$2,756
$672
North Star Mutual
$1,678
$216

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$124/mo

Avg. full coverage premium

$1,488/yr

Customer satisfaction

803/1,000

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

792/1,000

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$167/mo

Avg. full coverage premium

$2,004/yr

Customer satisfaction

806/1,000

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$230/mo

Avg. full coverage premium

$2,756/yr

Customer satisfaction

819/1,000

North Star Mutual

Avg. full coverage premium

$140/mo

Avg. full coverage premium

$1,678/yr

Customer satisfaction

Not rated

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How Bankrate chose the best car insurance companies in North Dakota

To pinpoint the best auto insurance in North Dakota, Bankrate started by evaluating average rate data from Quadrant Information Services. We then hand-selected a group of insurers that offer competitive average rates for a variety of driving profiles. To narrow down our selections, we also reviewed other metrics such as third-party financial strength ratings, product availability,  customer service ratings from the 2023 J.D. Power Auto Insurance Study and policy management capabilities — to name only a few. We then awarded each insurer a proprietary Bankrate Score out of 5.0 based on these categories so you can get the gist of a company at a glance. Our picks for the best auto insurance in North Dakota each have a Bankrate Score of 3.5 or higher.

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Why you can trust Bankrate

Read our full methodology

To help North Dakota drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.

How to find the best car insurance in North Dakota

Our list of North Dakota car insurance companies provides a good place to start your search, but ultimately, the best car insurance company for you will depend on what you need from your policy. Price is important, but when you are collecting car insurance quotes, keeping other considerations in mind can help you zero in on the best policy.

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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.

How much is car insurance in North Dakota?

Compared to the national average, North Dakota car insurance is cheap. The average cost of car insurance in North Dakota is $1,670 per year for full coverage and $364 for minimum coverage. North Dakota car insurance is also cheap compared to some of its neighboring states; drivers in Minnesota, for instance, pay an average of $2,044 per year for a full coverage car insurance policy. Montana drivers pay even more, an average of $2,228 for full coverage.

North Dakota’s low average rates could be due to multiple factors, one of which is the state’s sparse population. Places with higher population density generally see more fender benders and accidents, which typically translate to higher insurance rates. Road congestion, lower than average vehicle theft and vandalism rates, and lower costs of repairs may also play into this as well.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in North Dakota

Want to know how much you should be paying for North Dakota auto insurance? Use Bankrate’s calculator to estimate your premium using a few basic personal details.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

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