Best Car Insurance in North Dakota for 2024

With stunning fields of sunflowers, multiple national parks, and views of the aurora borealis in some of the darkest skies in the U.S., exploring North Dakota by car is a no-brainer. Thankfully, car insurance costs are generally lower than in other parts of the country.

Below, we look at the best car insurance in North Dakota to help you save while driving in the Peace Garden State.

Key takeaways

• The best car insurance in North Dakota is USAA, which costs $723 yearly for comprehensive coverage.
• Drivers with a clean driving record pay an average of $100 per month in North Dakota.
• Dickinson drivers pay the most for car insurance, an annual average of $1,597.

Best car insurance companies in North Dakota

The best car insurance in North Dakota is generally USAA, which has the lowest full and minimum coverage costs. Auto-Owners offers the most expensive full coverage, costing an average of $1,370 annually. We found that Allstate has the most expensive minimum liability insurance, costing an average of $503 per year.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$723/year	$197/year
American Family	837/1,000	$1,200/year	$290/year
State Farm	833/1,000	$947/year	$296/year
Auto-Owners	829/1,000	$1,370/year	$302/year
Allstate	829/1,000	$1,315/year	$503/year
Farmers	819/1,000	$1,249/year	$448/year
Progressive	803/1,000	$1,023/year	$414/year

USAA: Highest customer satisfaction

USAA had the best pricing on full and minimum car insurance in North Dakota and earned the highest customer satisfaction score. USAA can be a great option, but only current or former military members and their immediate families qualify for coverage. It has standard policies and a few optional coverages, like roadside assistance, but you might need to look elsewhere for more specialty policy options.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm’s full coverage insurance costs an average of $947 annually, second behind USAA. Unlike USAA, however, State Farm’s insurance is available to everyone in North Dakota. Its minimum coverage costs an average of $296 annually, the third cheapest on our list. State Farm offers many standard and optional coverages and discounts, including up to 25% off for new drivers.

Get a quote now | State Farm review

Allstate: Best for multi-driver discounts

Allstate has the most expensive minimum liability coverage on our list, costing an average of $503 per year. Its full coverage was the second most expensive, costing $1,315 annually. Despite this, Allstate may be a good option if you bundle multiple policies or insure numerous cars simultaneously since it offers discounts to help you save.

Get a quote now | Allstate review

Farmers: Best for coverage options

Farmers insurance is a more expensive option for coverage in North Dakota. It costs an average of $1,249 annually for full coverage and $448 for minimum coverage. While you’ll probably pay more with Farmers, it also offers policy options not found with some competitors, like a waiver of deductible for cars with certain types of safety equipment and loss of use coverages.

Get a quote now | Farmers review

Progressive: Best for lowest deductible

Progressive earned our list’s lowest customer satisfaction score, but its full coverage insurance costs an annual average of $1,023, the third lowest after USAA and State Farm. In addition to its relatively low pricing, its disappearing deductible program can help you save more by reducing your deductible amount by $50 every six months you go without an accident.

Get a quote now | Progressive review

North Dakota auto insurance requirements

Most states in the U.S. require drivers to carry a minimum amount of insurance to drive legally. In North Dakota, the minimum amounts of insurance are:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability
• $25,000 per person and $50,0000 per accident in uninsured/underinsured motorist coverage
• $30,000 in personal injury protection (PIP)

How to choose a car insurance provider in North Dakota

If you’re researching a new car insurance provider, consider the following to help you ensure you get the best coverage at the best price:

• Check financial stability: Use a website like Standard & Poor's or AM Best to check the financial rating of each insurance company you’re considering. Confirm that the company is licensed in North Dakota by checking with the North Dakota Insurance Department or the National Association of Insurance Commissioners (NAIC).
• Review quotes: Compare pricing and coverage options from at least three companies. Check that the coverage types, limits, and add-ons are similar for a more accurate comparison. Confirm that all the discounts you qualify for are included in the quote.
• Look at reviews: Check websites like the Better Business Bureau to see how a company resolves customer issues. Ask friends and family for recommendations, especially if you are new to an area.

How much does car insurance cost in North Dakota?

The average cost of car insurance in North Dakota is $1,202 per year for full coverage and $349 for the state’s minimum coverage.

Dickinson residents usually pay the most for full coverage, $1,597 annually. Drivers in Fargo typically pay the least, for a yearly average of $1,191.

North Dakota car insurance rates by city

North Dakota generally has lower overall crime rates than some other states. However, car theft is on the rise, helping to explain why some cities have above-average car insurance rates.

According to North Dakota Crime Statistics, motor vehicle theft increased by 0.46% between 2021 and 2022, with 2,106 cases reported that year. This is on top of a 6.37% increase from 2020 to 2021 when 1,992 cases were reported — a 6.83% increase within two years.

City	Avg. annual full-coverage premium
Dickinson	$1,597/year
Mandan	$1,573/year
Watford City	$1,523/year
Minot	$1,494/year
Grand Forks	$1,357/year
Fargo	$1,191/year

Methodology

FAQs about car insurance costs in North Dakota