Reviews Report
- North Dakota’s average rates are cheaper than the average national rates.
- State law requires drivers to have PIP and uninsured/underinsured motorist coverage
Finding the best North Dakota car insurance requires a bit of groundwork, but we’ve done the heavy lifting for you. We determined USAA and Progressive to be the top car insurance providers in North Dakota because of low premiums and great customer service, but American Family, Farmers, and Allstate should also be strongly considered by every driver. To determine who the best providers are in North Dakota, we looked at customer service, average premium costs, and financial strength.
The 5 Best Auto Insurance Companies in North Dakota
- USAA: Best North Dakota Car Insurance Company Overall
- Progressive: Best Car Insurance Customer Service in North Dakota
- American Family: Best Car Insurance Company in North Dakota for Discounts
- Farmers: Best North Dakota Car Insurance for Coverage
- Allstate: Best North Dakota Car Insurance Company for Students Savings
Compare the Best Car Insurance Companies in North Dakota
| FULL COVERAGE ANNUAL PREMIUM* | STATE MINIMUM ANNUAL PREMIUM* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA | $815 | $180 | A++ | 897** | |
| Pin Progressive | $1,129 | $370 | A+ | 837 | |
| Pin American Family | $819 | $263 | A | 839 | |
| Pin Farmers | $990 | $188 | A | 848 | |
| Pin Allstate | $1,827 | $460 | A+ | 825 |
Information accurate as of July 2021
*Data provided by Bankrate.com
**J.D. Power’s 2021 Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.
Best Overall Car Insurance
Why we chose it
Why we chose it
Pros
- Low average rates
- Excellent customer service
- Strong financial strength rating
Cons
- Only available to active and retired military
- Few physical branch locations
- Fewer than average discounts
Coverage Options
- Comprehensive
- Collision
- Liability
- Uninsured/underinsured
- Full
- Rideshare
Discounts Available
- Multi-car
- Good driver
- New car
- Garage
- Loyal customer
More USAA Insurance Reviews
Best for Customer Service
Why we chose it
Why we chose it
Pros
- Excellent customer service
- A lot of discounts
- Fast claims handling
Cons
- Some discounts not offered in every state
Coverage Options
- Gap insurance
- Roadside assistance
- Medical
- Deductible savings bank
- Custom parts
Discounts Available
- Multi policy
- Multi car
- Pay in full
- Good student
- Homeowner
- Student away at college
More Progressive Insurance Reviews
Best for Discounts
Why we chose it
Why we chose it
Pros
- Plenty of additional coverage options
- Wide variety of discounts
- Strong financial strength
Cons
- Average customer satisfaction
- Only available in 19 states
- Not the best provider to bundle with homeowners insurance
Coverage Options
- Gap coverage
- Underinsured motorist
- Rental reimbursement
- Emergency road service
- Accidental death and dismemberment
- Medical expense
Discounts Available
- Loyalty
- Multi-vehicle
- Early bird
- Multi-policy
- Low mileage
- Generational
- Away at school
- And more
More American Family Insurance Reviews
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Numerous discounts to choose from
- Few complaints against it online
- Easy to customize
Cons
- Only writes 6 month terms
- Online quote tool isn’t comprehensive
- Average customer satisfaction rating
Coverage Options
- Liability
- Comprehensive
- Collision
- Uninsured motorist
- Windshield and glass
- Gap coverage
- Accident forgiveness
- Guaranteed value
- New car replacement
Discounts Available
- Distant student
- Multi-car
- Safe driver
- Multi-policy
- Homeowner
- Good student
More Farmers Insurance Reviews
Best for Student Savings
Why we chose it
Why we chose it
Pros
- Numerous ways for students to save on policies
- Strong financial strength
- Great claims-free rewards program
Cons
- Average customer satisfaction scores
- Only sells 6 month plans
- Online quote tool could be better
Types of Coverage Offered
- Uninsured/underinsured
- PIP
- Rental reimbursement
- Roadside assistance
- Gap coverage
Discounts Available
- New car
- Defensive driver
- Multi-policy
- Good student
- Paperless billing
- Pay in full
- Responsible payer
More Allstate Insurance Reviews
*Data provided by Bankrate.com
**J.D. Power’s 2021 Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in North Dakota
Looking for cheap car insurance in North Dakota? You’re in luck, considering that the state’s average premiums are lower than the national average. Full coverage costs $1,264 per year and minimum coverage costs $285 per year, on average, according to 2021 data from Bankrate.com. Compared to the national averages of $1,674 per year for full coverage and $565 per year for minimum coverage, drivers in North Dakota have cheaper average premiums.
North Dakota is likely the cheapest state because of its low population, no-fault insurance laws, and low amount of crashes each year. It’s always been low, but the North Dakota insurance department reports that the state only had 17,076 crashes in 2010, and in 2019 that number dropped down to 14,221.
Top 3 Cheapest Car Insurance Companies in North Dakota
| Company | Average Annual Full Coverage Premium* |
| USAA | $815 |
| American Family | $819 |
| Farmers | $990 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in North Dakota
| Company | Average Annual Full Coverage Premium* |
| North Star Mutual | $1,827 |
| Grinnell Mutual | $1,779 |
| Allstate | $1,434 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in North Dakota
| City | Average Annual Full Coverage Premium* |
| West Fargo | $1,072 |
| Fargo | $1,085 |
| Grand Forks AFB | $1,091 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in North Dakota
| City | Average Annual Full Coverage Premium* |
| Fort Yates | $1,385 |
| Cannon Ball | $1,381 |
| Selfridge | $1,378 |
* Data provided by Bankrate.com
North Dakota Car Insurance: What You Need to Know
North Dakota car insurance is a little unique when compared to other states. North Dakota is one of 12 states that is a no-fault state. In a no-fault state, each driver is financially responsible for paying for his or her injuries after a car accident. This is important to know because as of IHS’s latest report, North Dakota has a 13.1 death rate per 100,000 travelers, which is higher than the national average of 11. According to North Dakota’s DMV crash summary , in 2019:
- There were 14,221 crashes statewide, which resulted in 100 deaths and 4,258 injuries
- From 2014 to 2019, men were 2.7 more likely to die in a car crash than women, contributing to higher premiums for men in the state.
- Teen drivers contributed to 18% of all accidents in North Dakota in 2019.
North Dakota Minimum Insurance Requirements
Though state requirements vary state by state, North Dakota falls in line with many other states when it comes to basic coverage. Currently 16 other states require the same amount of 25/50/25 coverage.
Minimum liability required in the state of North Dakota is divided as follows:
- $25,000 bodily injury coverage per person.
- $50,000 bodily injury coverage per accident
- $25,000 for property damage.
Drivers are also required to have PIP as well as underinsured/uninsured motorist coverage, which is determined as:\
- Personal injury protection: $30,000 per person
- Uninsured/underinsured motorist coverage: $25,000 for bodily injury per person
North Dakota’s No-Fault Law
North Dakota is a no-fault state, which means each driver’s insurance pays for any damages or injuries regardless of who was at fault. This is why each driver is required to purchase personal injury protection.
Because North Dakota is a no-fault state, if you’re in an accident you can’t sue other drivers as easily as you could in an at-fault state. The plus side is that you’ll get faster payouts due to the fact that insurance companies don’t need to investigate anything.
North Dakota’s no-fault laws also means that it has modified comparative negligence laws; if you are more than 50% at fault in an accident, you can’t sue. Therefore, if it’s determined that you are 20% at fault in an accident, you can sue the other driver for 80% of any damages done to you.
Additional Car Insurance Coverage in North Dakota
- Collision: This type of coverage pays for damages to your car regardless of how it was damaged while driving. For example, should you swerve and hit a stop sign, collision will pay for your repairs.
- Comprehensive: Comprehensive coverage helps pay for repairs or replacement when your car is damaged or stolen in an incident that doesn’t involve another car. This is best suited for weather-related incidents, such as hail or falling trees.
- Towing and Labor Cost: If you feel your car is unreliable, or don’t know what you would do if you had to change a tire, towing and labor cost coverage helps protect you. With this coverage, you get:
- Gas/oil delivered
- Jump starts
- Locksmith
- Tire changes
- Towing
- Gap Coverage: Should your car get stolen or totaled, gap coverage pays off your auto loan if you owe more than what your provider reimburses you afterwards due to depreciation.
North Dakota DUI laws
If you’re convicted of drinking and driving in North Dakota, you can expect a fine, possible jail time, and a suspension of your driver’s license. You will also have a class B misdemeanor on your record. The severity of the penalties depends on your BAC level and number of past offenses. For example, have four or more offenses within a 15-year timespan, it’s considered a class C felony, which means the fines are much higher and the jail time goes up to at least a year.
North Dakota Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in North Dakota, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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 2019 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.
About the Authors
Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.
