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 car insurance in North Dakota for 2024
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 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 $1,655 annually. Minimum coverage costs an average of $362. 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
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$1,488
|
$451
|
|
4.0
|
N/A
|
N/A
|
|
3.9
|
$2,004
|
$703
|
|
3.8
|
$2,756
|
$672
|
|
North Star Mutual
|
|
$1,678
|
$216
|
Progressive
4.4
4.4
Avg. full coverage premium
$124/mo
Avg. full coverage premium
$1,488/yr
Customer satisfaction
803/1,000
-
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. If you choose a Progressive car insurance policy, you can carry digital ID cards, make payments and update your policy and file a claim using Progressive’s mobile app. Progressive also placed third highest in the service category in the J.D. Power 2023 U.S. Insurance Digital Experience Study.
Read full Progressive Insurance review
Nationwide
4
4
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
792/1,000
-
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.
Read full Nationwide insurance review
Allstate
3.9
3.9
Avg. full coverage premium
$167/mo
Avg. full coverage premium
$2,004/yr
Customer satisfaction
806/1,000
-
Why Allstate made our list: Although far from the cheapest car insurance in North Dakota, 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 operating 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.
Read full Allstate insurance review
Farmers
3.8
3.8
Avg. full coverage premium
$230/mo
Avg. full coverage premium
$2,756/yr
Customer satisfaction
819/1,000
-
Why Farmers made our list: Many parents wince 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.
Read full Farmers insurance review
North Star Mutual
Avg. full coverage premium
$140/mo
Avg. full coverage premium
$1,678/yr
Customer satisfaction
Not rated
-
Why North Star Mutual made our list: North Star Mutual is a regional insurer available in North Dakota and seven other Midwestern states. While the company doesn’t offer digital tools, its 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.
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.
Why you can trust Bankrate
Read our full methodologyTo 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
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.
Related content:
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Answer a few questions to see personalized rates from top carriers in North Dakota
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 $1,655 per year for full coverage and $362 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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Grand Forks Afb | $1,474 | -12% |
Caledonia | $1,622 | -2% |
Dahlen | $1,666 | +1% |
Fairdale | $1,670 | +1% |
Larimore | $1,654 | -0% |
Egeland | $1,670 | +1% |
Stirum | $1,619 | -2% |
Valley City | $1,598 | -3% |
Adams | $1,672 | +1% |
Crystal | $1,665 | +1% |
Drayton | $1,669 | +1% |
Hannah | $1,674 | +1% |
Hatton | $1,619 | -2% |
Minto | $1,681 | +2% |
Crary | $1,694 | +2% |
Minnewaukan | $1,705 | +3% |
Sheyenne | $1,688 | +2% |
Wolford | $1,750 | +6% |
Jamestown | $1,528 | -8% |
Ashley | $1,690 | +2% |
Carrington | $1,703 | +3% |
Denhoff | $1,730 | +4% |
Jud | $1,665 | +1% |
Mcclusky | $1,735 | +5% |
Spiritwood | $1,625 | -2% |
Sutton | $1,652 | -0% |
Bismarck | $1,588 | -4% |
Arvilla | $1,594 | -4% |
Edinburg | $1,660 | +0% |
Gilby | $1,633 | -1% |
Agate | $1,708 | +3% |
Balta | $1,722 | +4% |
Dunseith | $1,728 | +4% |
Casselton | $1,505 | -9% |
Harwood | $1,512 | -9% |
Hope | $1,642 | -1% |
Wahpeton | $1,591 | -4% |
Wyndmere | $1,614 | -3% |
Aneta | $1,654 | -0% |
Finley | $1,628 | -2% |
Mountain | $1,663 | +0% |
Sharon | $1,622 | -2% |
Thompson | $1,603 | -3% |
Wales | $1,678 | +1% |
Walhalla | $1,703 | +3% |
Amenia | $1,571 | -5% |
Arthur | $1,568 | -5% |
Fairmount | $1,605 | -3% |
Gardner | $1,571 | -5% |
Cannon Ball | $1,835 | +10% |
Washburn | $1,712 | +3% |
Grassy Butte | $1,744 | +5% |
Hebron | $1,768 | +7% |
South Heart | $1,713 | +3% |
Berthold | $1,806 | +9% |
Drake | $1,753 | +6% |
Abercrombie | $1,598 | -4% |
Luverne | $1,641 | -1% |
Rutland | $1,595 | -4% |
Kenmare | $1,821 | +10% |
Coleharbor | $1,717 | +4% |
Bowman | $1,747 | +5% |
Halliday | $1,747 | +5% |
Marshall | $1,744 | +5% |
Burlington | $1,664 | +1% |
Garrison | $1,744 | +5% |
Golden Valley | $1,740 | +5% |
Linton | $1,785 | +8% |
Napoleon | $1,694 | +2% |
Raleigh | $1,804 | +9% |
Selfridge | $1,847 | +11% |
Sterling | $1,735 | +5% |
Zap | $1,738 | +5% |
Minot | $1,599 | -3% |
Butte | $1,762 | +6% |
Saint Anthony | $1,810 | +9% |
Solen | $1,831 | +10% |
Killdeer | $1,747 | +5% |
Lefor | $1,727 | +4% |
Benedict | $1,725 | +4% |
Donnybrook | $1,786 | +8% |
Argusville | $1,560 | -6% |
Forman | $1,601 | -3% |
Grandin | $1,600 | -3% |
Hillsboro | $1,591 | -4% |
Lisbon | $1,608 | -3% |
Strasburg | $1,786 | +8% |
Dickinson | $1,601 | -3% |
Belfield | $1,717 | +4% |
Bantry | $1,725 | +4% |
Des Lacs | $1,766 | +6% |
Munich | $1,682 | +2% |
New Rockford | $1,699 | +3% |
Perth | $1,684 | +2% |
Webster | $1,676 | +1% |
Willow City | $1,687 | +2% |
Dickey | $1,672 | +1% |
Robinson | $1,709 | +3% |
Steele | $1,702 | +3% |
Absaraka | $1,599 | -3% |
Ayr | $1,608 | -3% |
Enderlin | $1,615 | -2% |
Fingal | $1,606 | -3% |
Hunter | $1,567 | -5% |
Lidgerwood | $1,611 | -3% |
Mantador | $1,615 | -2% |
Mooreton | $1,584 | -4% |
Blanchard | $1,625 | -2% |
Colfax | $1,604 | -3% |
Galesburg | $1,621 | -2% |
Kathryn | $1,606 | -3% |
Leonard | $1,586 | -4% |
Mcleod | $1,616 | -2% |
Karlsruhe | $1,740 | +5% |
Lansford | $1,748 | +5% |
Palermo | $1,794 | +8% |
Ruso | $1,770 | +7% |
Knox | $1,740 | +5% |
Rolette | $1,699 | +3% |
Saint Michael | $1,714 | +3% |
Courtenay | $1,613 | -3% |
Ellendale | $1,658 | +0% |
Fredonia | $1,694 | +2% |
Marion | $1,669 | +1% |
Regan | $1,746 | +5% |
Hansboro | $1,674 | +1% |
Maddock | $1,722 | +4% |
Starkweather | $1,658 | +0% |
Tolna | $1,698 | +3% |
Buchanan | $1,626 | -2% |
Edgeley | $1,649 | -0% |
Gackle | $1,678 | +1% |
Grace City | $1,724 | +4% |
Lehr | $1,668 | +1% |
Fort Yates | $1,834 | +10% |
Lawton | $1,666 | +1% |
Binford | $1,640 | -1% |
Fullerton | $1,668 | +1% |
Glenfield | $1,705 | +3% |
New Town | $1,800 | +8% |
Noonan | $1,727 | +4% |
Upham | $1,761 | +6% |
Voltaire | $1,766 | +6% |
Cartwright | $1,747 | +5% |
Grenora | $1,746 | +5% |
Ambrose | $1,727 | +4% |
Epping | $1,755 | +6% |
Leeds | $1,698 | +3% |
Pekin | $1,694 | +2% |
Rugby | $1,756 | +6% |
Saint John | $1,725 | +4% |
Berlin | $1,679 | +1% |
Forbes | $1,648 | -0% |
Goodrich | $1,726 | +4% |
Kulm | $1,641 | -1% |
Lamoure | $1,644 | -1% |
Sanborn | $1,612 | -3% |
Streeter | $1,630 | -2% |
Tappen | $1,714 | +3% |
Tuttle | $1,712 | +3% |
Wishek | $1,704 | +3% |
Powers Lake | $1,739 | +5% |
Sherwood | $1,809 | +9% |
Stanley | $1,761 | +6% |
Tolley | $1,784 | +7% |
Alamo | $1,728 | +4% |
Hazelton | $1,763 | +6% |
Mandan | $1,686 | +2% |
Kramer | $1,717 | +4% |
Mandaree | $1,742 | +5% |
Maxbass | $1,769 | +7% |
Parshall | $1,794 | +8% |
Souris | $1,701 | +3% |
Fortuna | $1,723 | +4% |
Hamilton | $1,691 | +2% |
Hoople | $1,793 | +8% |
Pembina | $1,691 | +2% |
Makoti | $1,799 | +8% |
Moffit | $1,715 | +4% |
Riverdale | $1,721 | +4% |
Westhope | $1,748 | +5% |
Wildrose | $1,733 | +5% |
Ray | $1,759 | +6% |
Trenton | $1,684 | +2% |
Watford City | $1,739 | +5% |
Flaxton | $1,758 | +6% |
Granville | $1,773 | +7% |
Mcgregor | $1,728 | +4% |
Martin | $1,736 | +5% |
Towner | $1,747 | +5% |
Beulah | $1,725 | +4% |
Center | $1,743 | +5% |
Driscoll | $1,712 | +3% |
Turtle Lake | $1,742 | +5% |
Gladstone | $1,708 | +3% |
Max | $1,738 | +5% |
Williston | $1,693 | +2% |
Cogswell | $1,631 | -1% |
Fort Ransom | $1,634 | -1% |
Gwinner | $1,614 | -3% |
Carson | $1,831 | +10% |
Hazen | $1,727 | +4% |
Menoken | $1,702 | +3% |
Glen Ullin | $1,742 | +5% |
Medora | $1,727 | +4% |
Taylor | $1,733 | +5% |
Douglas | $1,750 | +6% |
Mercer | $1,717 | +4% |
Stanton | $1,730 | +4% |
Carpio | $1,806 | +9% |
Underwood | $1,708 | +3% |
Wilton | $1,754 | +6% |
Rhame | $1,753 | +6% |
Minot Afb | $1,581 | -5% |
Buffalo | $1,600 | -3% |
Christine | $1,595 | -4% |
Davenport | $1,581 | -5% |
Havana | $1,603 | -3% |
Horace | $1,458 | -13% |
Sheldon | $1,626 | -2% |
Grand Forks | $1,452 | -13% |
Langdon | $1,662 | +0% |
Neche | $1,694 | +2% |
Brocket | $1,697 | +2% |
Rocklake | $1,675 | +1% |
Rolla | $1,721 | +4% |
Dazey | $1,639 | -1% |
Montpelier | $1,602 | -3% |
Oakes | $1,640 | -1% |
Woodworth | $1,631 | -1% |
Mylo | $1,731 | +4% |
Oberon | $1,709 | +3% |
Penn | $1,663 | +0% |
Tokio | $1,720 | +4% |
Bowdon | $1,719 | +4% |
Cathay | $1,701 | +3% |
Fessenden | $1,710 | +3% |
Litchville | $1,642 | -1% |
Wing | $1,755 | +6% |
Braddock | $1,784 | +7% |
Flasher | $1,780 | +7% |
Hague | $1,769 | +7% |
New Leipzig | $1,786 | +8% |
Norwich | $1,747 | +5% |
Plaza | $1,800 | +8% |
Sawyer | $1,738 | +5% |
Alexander | $1,725 | +4% |
Arnegard | $1,735 | +5% |
Shields | $1,818 | +9% |
Dodge | $1,740 | +5% |
Hettinger | $1,820 | +9% |
New England | $1,752 | +6% |
Sentinel Butte | $1,750 | +6% |
Walcott | $1,601 | -3% |
Buxton | $1,618 | -2% |
Cavalier | $1,658 | +0% |
Cummings | $1,638 | -1% |
Glasston | $1,664 | +1% |
Maida | $1,662 | +0% |
Saint Thomas | $1,665 | +1% |
Cando | $1,668 | +1% |
Churchs Ferry | $1,672 | +1% |
Mcville | $1,689 | +2% |
Manvel | $1,588 | -4% |
Mayville | $1,606 | -3% |
Michigan | $1,680 | +1% |
Belcourt | $1,731 | +4% |
Golva | $1,738 | +5% |
Reeder | $1,793 | +8% |
Regent | $1,797 | +8% |
Anamoose | $1,747 | +5% |
Deering | $1,753 | +6% |
Glenburn | $1,769 | +7% |
Ryder | $1,802 | +9% |
White Earth | $1,777 | +7% |
Tioga | $1,719 | +4% |
Tower City | $1,605 | -3% |
Bathgate | $1,692 | +2% |
Emerado | $1,551 | -6% |
Fordville | $1,680 | +1% |
Northwood | $1,664 | +1% |
Park River | $1,657 | +0% |
Pisek | $1,689 | +2% |
Portland | $1,616 | -2% |
Alsen | $1,679 | +1% |
Calvin | $1,677 | +1% |
New Salem | $1,747 | +5% |
Beach | $1,742 | +5% |
Dunn Center | $1,740 | +5% |
Fairfield | $1,742 | +5% |
Marmarth | $1,778 | +7% |
Scranton | $1,765 | +6% |
Antler | $1,752 | +6% |
Balfour | $1,736 | +5% |
Columbus | $1,755 | +6% |
Crosby | $1,740 | +5% |
Baldwin | $1,732 | +5% |
Inkster | $1,647 | -1% |
Mapleton | $1,518 | -9% |
Page | $1,618 | -2% |
Pillsbury | $1,634 | -1% |
Forest River | $1,699 | +3% |
Hensel | $1,693 | +2% |
Lankin | $1,688 | +2% |
Niagara | $1,679 | +1% |
Reynolds | $1,601 | -3% |
Edmore | $1,666 | +1% |
Clifford | $1,636 | -1% |
Milnor | $1,619 | -2% |
Barney | $1,611 | -3% |
Erie | $1,590 | -4% |
Oriska | $1,612 | -3% |
Mekinock | $1,564 | -6% |
Milton | $1,664 | +1% |
Osnabrock | $1,670 | +1% |
Bottineau | $1,703 | +3% |
Fort Totten | $1,723 | +4% |
Lakota | $1,695 | +2% |
Cleveland | $1,615 | -2% |
Cooperstown | $1,646 | -1% |
Hurdsfield | $1,706 | +3% |
Mchenry | $1,699 | +3% |
Pettibone | $1,701 | +3% |
Pingree | $1,630 | -2% |
Ypsilanti | $1,586 | -4% |
Harvey | $1,730 | +4% |
Warwick | $1,694 | +2% |
Chaseley | $1,715 | +4% |
Dawson | $1,722 | +4% |
Hannaford | $1,638 | -1% |
Kensal | $1,619 | -2% |
Sykeston | $1,707 | +3% |
Verona | $1,627 | -2% |
Wimbledon | $1,622 | -2% |
Esmond | $1,740 | +5% |
Sarles | $1,691 | +2% |
Jessie | $1,641 | -1% |
Medina | $1,631 | -1% |
Rogers | $1,613 | -3% |
Wheatland | $1,589 | -4% |
Grafton | $1,668 | +1% |
Petersburg | $1,692 | +2% |
Devils Lake | $1,636 | -1% |
Bisbee | $1,671 | +1% |
Almont | $1,801 | +8% |
Elgin | $1,821 | +10% |
Kintyre | $1,786 | +8% |
Zeeland | $1,682 | +2% |
Amidon | $1,747 | +5% |
Manning | $1,739 | +5% |
Mott | $1,810 | +9% |
Richardton | $1,735 | +5% |
Bowbells | $1,766 | +6% |
Hampden | $1,668 | +1% |
Nekoma | $1,671 | +1% |
York | $1,750 | +6% |
Cayuga | $1,601 | -3% |
Hankinson | $1,615 | -2% |
Kindred | $1,560 | -6% |
Nome | $1,618 | -2% |
Roseglen | $1,776 | +7% |
Lignite | $1,749 | +5% |
Mohall | $1,759 | +6% |
Newburg | $1,756 | +6% |
Portal | $1,761 | +6% |
Surrey | $1,647 | -0% |
Keene | $1,742 | +5% |
Zahl | $1,734 | +5% |
Ross | $1,782 | +7% |
Velva | $1,747 | +5% |
Estimate your car insurance cost in North Dakota
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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.