Best Auto Insurance Rates in North Dakota

Best Auto Insurance Rates in North Dakota

We reviewed all of the top auto insurance companies in Alabama and found that American Family has the best rates for a minimum coverage policy ($276 per year), while State Farm has the best rates for most drivers looking for full coverage ($1,233).

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We reviewed all of the top auto insurance companies in Alabama and found that American Family has the best rates for a minimum coverage policy ($276 per year), while State Farm has the best rates for most drivers looking for full coverage ($1,233).

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To get your lowest rates, you should always compare quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your city.

Cheapest auto insurance in North Dakota: American Family

The cheapest minimum coverage car insurance quote in North Dakota is offered by American Family, which is 46% cheaper than the state average.

State Farm and Progressive are two alternatives from whom drivers in North Dakota can also obtain inexpensive quotes. These three auto insurers have average car insurance rates of $351 per year, or $29 per month — which is 32% cheaper than the North Dakota average.

Although minimum coverage costs less usually, drivers who purchase lower liability coverage limits and forgoing comprehensive and collision coverage risk having insufficient protection following an accident.

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Minimum coverage auto insurance policies meet North Dakota's minimum legal requirements. Unlike full coverage policies, minimum coverage doesn't include comprehensive and collision insurance, which protects your car from damage as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault.

We always recommend drivers compare at least three quotes from insurers.

Rank
Company
Average annual rate
1American Family$276
2State Farm$304
3Progressive$473
4Grinnell Mutual$540
5Geico$697
6Nodak Mutual$717
7Auto-Owners Insurance Co.$759
N/AUSAA$334

USAA is excluded from rankings because it is only available to current and former military members and their families.

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Cheapest full coverage car insurance in North Dakota: State Farm

State Farm offers the most affordable auto insurance premium for drivers purchasing a full coverage policy. Although Geico and American Family have rates that are lower than the state average, they are significantly more expensive than State Farm.

Insurer
Annual cost
Monthly cost
State Farm$1,233$103
Geico$2,082$174
American Family$2,091$174
North Dakota average$2,286$190
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A full coverage insurance policy includes comprehensive and collision coverages, which financially protects you from the cost of certain accidents.

Drivers with collision coverage receive reimbursement for accidents caused by colliding into another vehicle or fixed object. If you have comprehensive coverage, you're covered for damage caused by events outside of your control such as theft and extreme weather.

Cheap car insurance for drivers with prior incidents

Drivers with a history of accidents or traffic violations usually have higher auto insurance premiums for a full coverage policy than drivers without that history. We calculated which insurers provide the most affordable rates for drivers who have:

Find Cheap Auto Insurance Quotes in North Dakota

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Cheapest for drivers with an accident: State Farm

North Dakota drivers with an accident on their driving record can find cheap full coverage car insurance quotes at State Farm and Grinnell Mutual.

Drivers insured under State Farm have an average annual rate of $1,422, which is 54% cheaper than the North Dakota average of $3,077. Grinnell Mutual offers rates that are below the state average but more than double State Farm's annual costs.

Insurer
Annual cost
Monthly cost
State Farm$1,422$119
Grinnell Mutual$2,848$237
Auto-Owners Insurance$3,045$254
North Dakota average$3,077$256
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Having a single accident on your driving record can increase your auto insurance quotes substantially.

The annual difference in car insurance quotes in North Dakota for a full coverage policy with no accident history versus a plan with one accident was $791.

Accident history
Annual rate
No accidents$2,286
One accident$3,077
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Cheapest car insurance for people with a speeding ticket: State Farm

Receiving a speeding ticket can raise your insurance rate as much as having an accident history. You can find the cheapest rates from State Farm, which costs an average of $1,328 per year. Another alternative you can gather a quote from is Geico, which has an average premium of $2,082.

Insurer
Annual cost
Monthly cost
State Farm$1,328$111
Geico$2,082$174
Auto-Owners Insurance$2,181$182
North Dakota average$2,473$206
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Cheapest car insurance for drivers with a DUI: State Farm

Having a DUI on your driving record can increase your annual rates by an average of 51%. Our research found that if you have been charged with a DUI, you can find the most affordable rates from State Farm — rates are approximately $2,121 cheaper than the state average.

Insurer
Annual cost
Monthly cost
State Farm$1,328$111
Progressive$2,691$224
Grinnell Mutual$2,848$237
North Dakota average$3,449$287
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Cheapest car insurance for drivers with poor credit: State Farm

Insurers use your credit score to assess how "risky" you are. Drivers with poorer credit scores receive 32% more expensive insurance rates than those with average credit. State Farm had the best rates for drivers with poor credit, at $1,874 per year.

Insurer
Annual cost
Monthly cost
State Farm$1,874$156
Geico$2,082$174
American Family$2,854$238
North Dakota average$3,024$252
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No hidden costs.\",\"vendor\":\"vp\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ENorth Dakota drivers with an accident on their driving record can find cheap full coverage car insurance quotes at \u003Cstrong\u003EState Farm\u003C\/strong\u003E and \u003Cstrong\u003EGrinnell Mutual\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EDrivers insured under State Farm have an average annual rate of $1,422, which is 54% cheaper than the North Dakota average of $3,077. Grinnell Mutual offers rates that are below the state average but more than double State Farm's annual costs.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,422\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$119\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGrinnell Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,848\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$237\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,045\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$254\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,077\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$256\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,422\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$119\\u003C\\\/strong\\u003E\"],[\"Grinnell Mutual\",\"$2,848\",\"$237\"],[\"Auto-Owners Insurance\",\"$3,045\",\"$254\"],[\"North Dakota average\",\"$3,077\",\"$256\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Having a single accident on your driving record can increase your auto insurance quotes substantially. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root \"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe annual difference in car insurance quotes in North Dakota for a \u003Cstrong\u003Efull coverage\u003C\/strong\u003E policy with no accident history versus a plan with one accident was $791.\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EAccident history\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENo accidents\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,286\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOne accident\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,077\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Accident history\",\"Annual rate\"],[\"No accidents\",\"$2,286\"],[\"One accident\",\"$3,077\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EReceiving a speeding ticket can raise your insurance rate as much as having an accident history. You can find the cheapest rates from \u003Cstrong\u003EState Farm\u003C\/strong\u003E, which costs an average of $1,328 per year. Another alternative you can gather a quote from is \u003Cstrong\u003EGeico\u003C\/strong\u003E, which has an average premium of $2,082.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,328\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$111\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,082\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$174\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,181\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$182\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,473\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$206\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,328\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$111\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$2,082\",\"$174\"],[\"Auto-Owners Insurance\",\"$2,181\",\"$182\"],[\"North Dakota average\",\"$2,473\",\"$206\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EHaving a DUI on your driving record can increase your annual rates by an average of 51%. Our research found that if you have been charged with a DUI, you can find the most affordable rates from \u003Cstrong\u003EState Farm\u003C\/strong\u003E \u2014 rates are approximately $2,121 cheaper than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,328\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$111\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,691\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$224\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGrinnell Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,848\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$237\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,449\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$287\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,328\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$111\\u003C\\\/strong\\u003E\"],[\"Progressive\",\"$2,691\",\"$224\"],[\"Grinnell Mutual\",\"$2,848\",\"$237\"],[\"North Dakota average\",\"$3,449\",\"$287\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EInsurers use your \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How Does Your Credit Score Affect Auto Insurance Rates?\" href=\"https:\/\/www.valuepenguin.com\/how-does-your-credit-score-affect-auto-insurance-rates\"\u003Ecredit score\u003C\/a\u003E\u003C\/span\u003E to assess how \"risky\" you are. Drivers with poorer credit scores receive 32% more expensive insurance rates than those with average credit. \u003Cstrong\u003EState Farm\u003C\/strong\u003E had the best rates for drivers with poor credit, at $1,874 per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,874\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$156\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,082\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$174\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,854\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$238\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,024\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$252\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,874\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$156\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$2,082\",\"$174\"],[\"American Family\",\"$2,854\",\"$238\"],[\"North Dakota average\",\"$3,024\",\"$252\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for married drivers: State Farm

Married drivers typically receive slightly lower car insurance premiums compared to unmarried drivers. Our analysis found that married drivers pay $79 less on average for a full coverage auto insurance policy. The insurers with the cheapest rates for married drivers are State Farm, Geico and American Family.

Insurer
Annual cost
Monthly cost
State Farm$1,233$103
Geico$1,965$164
American Family$2,091$174
North Dakota average$2,207$184
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Annual cost","Monthly cost"],["\u003Cstrong\u003EState Farm\u003C\/strong\u003E","\u003Cstrong\u003E$1,233\u003C\/strong\u003E","\u003Cstrong\u003E$103\u003C\/strong\u003E"],["Geico","$1,965","$164"],["American Family","$2,091","$174"],["North Dakota average","$2,207","$184"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Cheapest car insurance for young drivers: State Farm

The average cost of cheap car insurance for young drivers in North Dakota is $1,542 per year, or $129 per month — which is about $1,030 more expensive than it is for older drivers.

Young drivers are statistically more likely to be involved in an accident, making them risky investments for insurers. As a result, drivers in their teens and 20s often pay more for auto insurance than drivers in their 30s or 40s. Our sample 18-year-old driver spent an average of $5,885 per year on a full coverage policy — nearly three times as much as our sample 30-year-old driver.

The cheapest rates for young drivers can be received from State Farm, which has an annual rate significantly below the state average for their age group.

Insurer
Full coverage
Minimum coverage
State Farm$3,566$1,032
Auto-Owners Insurance$5,708$1,949
Geico$5,946$2,140
American Family$6,137$900
Grinnell Mutual$6,428$1,255
Progressive$7,713$2,437
Nodak Mutual$8,264$1,604
*USAA$3,317$1,020
North Dakota average$5,885$1,542

*USAA is excluded from rankings because it is only available to current and former military members and their families.

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Cheapest for young drivers with one accident: State Farm

Accidents can drive your annual premiums up, but it can have a greater impact on young drivers, who already face high rates. The most affordable option for young drivers with an accident history is State Farm, which costs $4,216 annually — more than $3,000 cheaper than the state average.

Insurer
Annual cost
Monthly cost
State Farm$4,216$351
Grinnell Mutual$6,428$536
Geico$6,699$558
North Dakota average$7,282$607
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Cheapest for young drivers with one speeding ticket: State Farm

Speeding tickets have a similar effect as accidents — they increase your premium rates. For young drivers in North Dakota, rates are 24% higher if you have a speeding ticket versus if you've never received one. Young drivers who have been caught speeding can find the most affordable rates from State Farm.

Insurer
Annual cost
Monthly cost
State Farm$3,891$324
Auto-Owners Insurance$5,708$476
Geico$5,946$496
North Dakota average$6,241$520
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Annual cost","Monthly cost"],["\u003Cstrong\u003EState Farm\u003C\/strong\u003E","\u003Cstrong\u003E$3,891\u003C\/strong\u003E","\u003Cstrong\u003E$324\u003C\/strong\u003E"],["Auto-Owners Insurance","$5,708","$476"],["Geico","$5,946","$496"],["North Dakota average","$6,241","$520"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n The average cost of cheap car insurance for young drivers in North Dakota is $1,542 per year, or $129 per month \u2014 which is about $1,030 more expensive than it is for older drivers.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers are statistically more likely to be involved in an accident, making them risky investments for insurers. As a result, drivers in their teens and 20s often pay more for auto insurance than drivers in their 30s or 40s. Our sample 18-year-old driver spent an average of $5,885 per year on a full coverage policy \u2014 nearly three times as much as our sample 30-year-old driver.\u003C\/p\u003E\n\n\u003Cp\u003EThe cheapest rates for young drivers can be received from \u003Cstrong\u003EState Farm\u003C\/strong\u003E, which has an annual rate significantly below the state average for their age group.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003E$3,566\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,032\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$5,708\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,949\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$5,946\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,140\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$6,137\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$900\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGrinnell Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$6,428\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,255\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$7,713\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,437\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENodak Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$8,264\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,604\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E*USAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$3,317\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,020\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$5,885\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,542\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Full coverage\",\"Minimum coverage\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,566\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,032\\u003C\\\/strong\\u003E\"],[\"Auto-Owners Insurance\",\"$5,708\",\"$1,949\"],[\"Geico\",\"$5,946\",\"$2,140\"],[\"American Family\",\"$6,137\",\"$900\"],[\"Grinnell Mutual\",\"$6,428\",\"$1,255\"],[\"Progressive\",\"$7,713\",\"$2,437\"],[\"Nodak Mutual\",\"$8,264\",\"$1,604\"],[\"*USAA\",\"$3,317\",\"$1,020\"],[\"North Dakota average\",\"$5,885\",\"$1,542\"]],\"footnote\":\"*USAA is excluded from rankings because it is only available to current and former military members and their families.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EAccidents can drive your annual premiums up, but it can have a greater impact on young drivers, who already face high rates. The most affordable option for young drivers with an accident history is \u003Cstrong\u003EState Farm\u003C\/strong\u003E, which costs $4,216 annually \u2014 more than $3,000 cheaper than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$4,216\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$351\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGrinnell Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,428\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$536\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,699\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$558\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,282\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$607\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$4,216\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$351\\u003C\\\/strong\\u003E\"],[\"Grinnell Mutual\",\"$6,428\",\"$536\"],[\"Geico\",\"$6,699\",\"$558\"],[\"North Dakota average\",\"$7,282\",\"$607\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ESpeeding tickets have a similar effect as accidents \u2014 they increase your premium rates. For young drivers in North Dakota, rates are 24% higher if you have a speeding ticket versus if you've never received one. Young drivers who have been caught speeding can find the most affordable rates from \u003Cstrong\u003EState Farm.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,891\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$324\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,708\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$476\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,946\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$496\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Dakota average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,241\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$520\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,891\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$324\\u003C\\\/strong\\u003E\"],[\"Auto-Owners Insurance\",\"$5,708\",\"$476\"],[\"Geico\",\"$5,946\",\"$496\"],[\"North Dakota average\",\"$6,241\",\"$520\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

Best car insurance companies in North Dakota

Auto-Owners is the best insurance company in North Dakota based on the company's customer service rating.

Approximately 67% of Auto-Owner customers rated the service as "excellent," and 100% said they were extremely satisfied with their recent claim.

Customer service is an important part of evaluating the quality of an insurance policy. Poor customer reception could indicate a confusing process, rude and unhelpful agents or lengthy processing.

Rank
Insurer
% of respondents overall extremely satisfied with most recent claim
% of respondents who rated customer service as "excellent"
1Auto-Owners100%67%
2USAA78%62%
3American Family (AmFam)86%50%
4State Farm73%46%
5Progressive74%34%
6Geico64%42%
N/AGrinnell
N/ANodak
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ValuePenguin also compiled complaint data from the National Association of Insurance Commissioners (NAIC).

Great West Casualty, North Star Mutual and ACUITY A Mutual had the lowest complaint index ratings out of fifteen insurers in North Dakota. All three companies had a complaint index less than 1.0, meaning that they received fewer complaints than expected of their market share. The lower the ratio, the fewer complaints a company received relative to its share of premiums underwritten, meaning that customers were less likely to complain.

Insurer
2019 NAIC Complaint Index
2020 J.D. Power Claims Satisfaction
A.M. Best Financial Strength Rating
Great West Casualty0.00A+
North Star0.12A+
ACUITY A0.33A+
National Farmers Union0.39815A-
Auto-Owners0.44890A++
American Family0.45862A
Mid-Century0.45872A
Progressive Northwester0.60856A+
State Farm0.66881A++
Progressive0.67856A+
Center0.78A-
Nodak0.80A
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{"alignsHorizontal":["left","left","right","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","2019 NAIC Complaint Index","2020 J.D. Power Claims Satisfaction","A.M. Best Financial Strength Rating"],["Great West Casualty","0.00","\u2014","A+"],["North Star","0.12","\u2014","A+"],["ACUITY A","0.33","\u2014","A+"],["National Farmers Union","0.39","815","A-"],["Auto-Owners","0.44","890","A++"],["American Family","0.45","862","A"],["Mid-Century","0.45","872","A"],["Progressive Northwester","0.60","856","A+"],["State Farm","0.66","881","A++"],["Progressive","0.67","856","A+"],["Center","0.78","\u2014","A-"],["Nodak","0.80","\u2014","A"],["Allstate","1.07","876","A+"],["United Financial","1.96","856","A+"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Based on the 2020 J.D. Powers Claims Satisfaction Study, Auto-Owners, State Farm and Allstate have the best customer service. Additionally, their customer satisfaction ratings are slightly above the industry average of 872 (based on a 1,000 point scale).

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Auto-Owners is the best insurance company in North Dakota based on the company's customer service rating.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EApproximately 67% of Auto-Owner customers rated the service as \"excellent,\" and 100% said they were extremely satisfied with their recent claim.\u003C\/p\u003E\n\n\u003Cp\u003ECustomer service is an important part of evaluating the quality of an insurance policy. Poor customer reception could indicate a confusing process, rude and unhelpful agents or lengthy processing.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents overall extremely satisfied with most recent claim\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents who rated customer service as \"excellent\"\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E100%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E67%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family (AmFam)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E86%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E50%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E74%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGrinnell\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENodak\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"% of respondents overall extremely satisfied with most recent claim\",\"% of respondents who rated customer service as \\\"excellent\\\"\",\"\"],[\"1\",\"Auto-Owners\",\"100%\",\"67%\",\"\"],[\"2\",\"USAA\",\"78%\",\"62%\",\"\"],[\"3\",\"American Family (AmFam)\",\"86%\",\"50%\",\"\"],[\"4\",\"State Farm\",\"73%\",\"46%\",\"\"],[\"5\",\"Progressive\",\"74%\",\"34%\",\"\"],[\"6\",\"Geico\",\"64%\",\"42%\",\"\"],[\"N\\\/A\",\"Grinnell\",\"\\u2014\",\"\\u2014\",\"\"],[\"N\\\/A\",\"Nodak\",\"\\u2014\",\"\\u2014\",\"\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EValuePenguin also compiled complaint data from the National Association of Insurance Commissioners (NAIC).\u003C\/p\u003E\n\n\u003Cp\u003EGreat West Casualty, North Star Mutual and ACUITY A Mutual had the lowest complaint index ratings out of fifteen insurers in North Dakota. All three companies had a complaint index less than 1.0, meaning that they received fewer complaints than expected of their market share. The lower the ratio, the fewer complaints a company received relative to its share of premiums underwritten, meaning that customers were less likely to complain.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E2019 NAIC Complaint Index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power Claims Satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EA.M. Best Financial Strength Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGreat West Casualty\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.00\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Star\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.12\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EACUITY A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.33\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENational Farmers Union\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.39\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E815\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA-\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.44\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.45\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E862\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMid-Century\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.45\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E872\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive Northwester\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.60\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.67\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECenter\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.78\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA-\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENodak\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E0.80\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu ckEygv\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"2019 NAIC Complaint Index\",\"2020 J.D. 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Powers Claims Satisfaction Study, Auto-Owners, State Farm and Allstate have the best customer service. Additionally, their customer satisfaction ratings are slightly above the industry average of 872 (based on a 1,000 point scale).\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Average cost of car insurance in North Dakota by city

The average cost of full coverage car insurance in North Dakota is $2,286 per year, or $191 per month.

Fargo is the city with the cheapest rates for a full coverage policy in North Dakota, as our sample driver paid an average annual rate of $1,861. On the other hand, Fort Yates residents will receive an average premium of $2,552 — a $691 difference.

The rate North Dakota residents pay for an insurance policy will vary depending on the city in which they reside. Usually, cities that are denser or have higher rates of accidents or theft will have higher coverage costs. The North Dakota cities below are ranked from those with the cheapest auto insurance rates to those with the most expensive rates per year.

City
Average cost
Percent from average
Fargo$1,861-18.6%
West Fargo$1,866-18.3%
Horace$1,947-14.8%
Casselton$1,960-14.3%
Mapleton$1,963-14.1%
Harwood$1,965-14.0%
Argusville$2,007-12.2%
Hunter$2,018-11.7%
Arthur$2,023-11.5%
Kindred$2,025-11.4%
Amenia$2,025-11.4%
Davenport$2,026-11.4%
Show All Rows
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City","$2,054","-10.2%"],["Abercrombie","$2,055","-10.1%"],["Fingal","$2,055","-10.1%"],["Page","$2,058","-10.0%"],["Walcott","$2,060","-9.9%"],["Wyndmere","$2,064","-9.7%"],["Enderlin","$2,064","-9.7%"],["Wahpeton","$2,066","-9.6%"],["Milnor","$2,070","-9.4%"],["Hankinson","$2,072","-9.4%"],["Grandin","$2,072","-9.3%"],["Gwinner","$2,074","-9.3%"],["Fairmount","$2,074","-9.3%"],["Colfax","$2,075","-9.2%"],["Cayuga","$2,076","-9.2%"],["Havana","$2,077","-9.1%"],["Lisbon","$2,078","-9.1%"],["Lidgerwood","$2,078","-9.1%"],["Mooreton","$2,078","-9.1%"],["Rutland","$2,079","-9.1%"],["Mantador","$2,080","-9.0%"],["Cogswell","$2,081","-9.0%"],["Fort Ransom","$2,081","-8.9%"],["Mcleod","$2,083","-8.9%"],["Barney","$2,086","-8.7%"],["Sheldon","$2,091","-8.5%"],["Stirum","$2,093","-8.5%"],["Luverne","$2,093","-8.4%"],["Forman","$2,094","-8.4%"],["Absaraka","$2,095","-8.3%"],["Mekinock","$2,101","-8.1%"],["Valley City","$2,102","-8.1%"],["Sanborn","$2,105","-7.9%"],["Hope","$2,107","-7.8%"],["Sharon","$2,112","-7.6%"],["Rogers","$2,112","-7.6%"],["Oriska","$2,112","-7.6%"],["Kathryn","$2,115","-7.5%"],["Nome","$2,116","-7.4%"],["Wimbledon","$2,118","-7.3%"],["Cleveland","$2,119","-7.3%"],["Finley","$2,122","-7.2%"],["Emerado","$2,123","-7.1%"],["Ypsilanti","$2,124","-7.1%"],["Spiritwood","$2,126","-7.0%"],["Courtenay","$2,128","-6.9%"],["Montpelier","$2,130","-6.8%"],["Medina","$2,137","-6.5%"],["Streeter","$2,139","-6.4%"],["Pillsbury","$2,144","-6.2%"],["Dazey","$2,144","-6.2%"],["Mayville","$2,146","-6.1%"],["Galesburg","$2,146","-6.1%"],["Manvel","$2,150","-5.9%"],["Blanchard","$2,153","-5.8%"],["Reynolds","$2,154","-5.8%"],["Buchanan","$2,156","-5.7%"],["Clifford","$2,157","-5.6%"],["Buxton","$2,158","-5.6%"],["Caledonia","$2,158","-5.6%"],["Woodworth","$2,161","-5.5%"],["Thompson","$2,162","-5.4%"],["Arvilla","$2,162","-5.4%"],["Gilby","$2,163","-5.4%"],["Bismarck","$2,164","-5.3%"],["Inkster","$2,165","-5.3%"],["Hatton","$2,169","-5.1%"],["Portland","$2,171","-5.0%"],["Cummings","$2,171","-5.0%"],["Hillsboro","$2,172","-5.0%"],["Pingree","$2,174","-4.9%"],["Kensal","$2,186","-4.4%"],["Oakes","$2,189","-4.2%"],["Northwood","$2,192","-4.1%"],["Driscoll","$2,209","-3.4%"],["Sterling","$2,210","-3.3%"],["Fullerton","$2,210","-3.3%"],["Larimore","$2,212","-3.2%"],["Moffit","$2,212","-3.2%"],["Litchville","$2,214","-3.1%"],["Menoken","$2,219","-2.9%"],["Binford","$2,220","-2.9%"],["Verona","$2,220","-2.9%"],["Dickinson","$2,220","-2.9%"],["Lincoln","$2,221","-2.8%"],["Cooperstown","$2,221","-2.8%"],["Baldwin","$2,225","-2.6%"],["Jud","$2,229","-2.5%"],["Wing","$2,231","-2.4%"],["Mandan","$2,234","-2.3%"],["Forbes","$2,235","-2.2%"],["Regan","$2,236","-2.2%"],["Kulm","$2,237","-2.1%"],["Edgeley","$2,237","-2.1%"],["Hannaford","$2,238","-2.1%"],["Fordville","$2,239","-2.0%"],["Minot AFB","$2,240","-2.0%"],["Ellendale","$2,241","-2.0%"],["Niagara","$2,244","-1.8%"],["Marion","$2,248","-1.7%"],["LaMoure","$2,248","-1.6%"],["Ashley","$2,249","-1.6%"],["Berlin","$2,249","-1.6%"],["Dickey","$2,257","-1.3%"],["Aneta","$2,259","-1.2%"],["Lehr","$2,261","-1.1%"],["Zeeland","$2,261","-1.1%"],["Gackle","$2,262","-1.0%"],["Sutton","$2,263","-1.0%"],["Jessie","$2,265","-0.9%"],["Minot","$2,265","-0.9%"],["Wishek","$2,272","-0.6%"],["Fredonia","$2,276","-0.4%"],["Calvin","$2,280","-0.3%"],["Hannah","$2,281","-0.2%"],["Milton","$2,283","-0.1%"],["Cavalier","$2,285","-0.1%"],["Wales","$2,285","0.0%"],["Devils Lake","$2,286","0.0%"],["Hensel","$2,286","0.0%"],["Alsen","$2,286","0.0%"],["Napoleon","$2,289","0.1%"],["Nekoma","$2,289","0.1%"],["Langdon","$2,289","0.1%"],["Mountain","$2,292","0.3%"],["Osnabrock","$2,292","0.3%"],["Munich","$2,293","0.3%"],["Hazelton","$2,294","0.4%"],["Bathgate","$2,295","0.4%"],["Crystal","$2,296","0.5%"],["Maida","$2,297","0.5%"],["Hamilton","$2,299","0.6%"],["Edmore","$2,301","0.7%"],["Glasston","$2,302","0.7%"],["St. Thomas","$2,304","0.8%"],["Park River","$2,304","0.8%"],["Churchs Ferry","$2,305","0.9%"],["Hampden","$2,306","0.9%"],["McHenry","$2,307","0.9%"],["Sarles","$2,307","0.9%"],["Lawton","$2,308","1.0%"],["Penn","$2,308","1.0%"],["Webster","$2,309","1.0%"],["Edinburg","$2,309","1.0%"],["Carrington","$2,310","1.0%"],["Steele","$2,310","1.0%"],["Drayton","$2,310","1.1%"],["Underwood","$2,311","1.1%"],["Neche","$2,312","1.2%"],["Agate","$2,313","1.2%"],["Tappen","$2,313","1.2%"],["Crary","$2,313","1.2%"],["Pembina","$2,313","1.2%"],["Starkweather","$2,313","1.2%"],["Brocket","$2,314","1.2%"],["Glenfield","$2,314","1.3%"],["Coleharbor","$2,315","1.3%"],["Tuttle","$2,315","1.3%"],["Dawson","$2,317","1.3%"],["Riverdale","$2,319","1.5%"],["Walhalla","$2,321","1.6%"],["Washburn","$2,321","1.6%"],["Minto","$2,322","1.6%"],["New Rockford","$2,322","1.6%"],["Wilton","$2,322","1.6%"],["Lankin","$2,324","1.7%"],["Pettibone","$2,324","1.7%"],["Adams","$2,324","1.7%"],["Dahlen","$2,326","1.7%"],["Robinson","$2,326","1.8%"],["Grace City","$2,326","1.8%"],["Cando","$2,328","1.8%"],["Fairdale","$2,328","1.9%"],["Forest River","$2,329","1.9%"],["Leeds","$2,330","1.9%"],["Sheyenne","$2,331","2.0%"],["Bisbee","$2,331","2.0%"],["Hoople","$2,333","2.1%"],["Egeland","$2,335","2.1%"],["Pekin","$2,335","2.2%"],["Oberon","$2,337","2.2%"],["Mercer","$2,337","2.2%"],["Rocklake","$2,340","2.4%"],["Perth","$2,341","2.4%"],["Tokio","$2,342","2.5%"],["Minnewaukan","$2,344","2.5%"],["Pisek","$2,345","2.6%"],["Cathay","$2,345","2.6%"],["Hansboro","$2,347","2.7%"],["Willow City","$2,350","2.8%"],["Michigan","$2,350","2.8%"],["Grafton","$2,351","2.8%"],["Hague","$2,353","2.9%"],["Petersburg","$2,354","3.0%"],["Strasburg","$2,355","3.0%"],["Fessenden","$2,355","3.0%"],["McVille","$2,356","3.1%"],["Tolna","$2,356","3.1%"],["Burlington","$2,357","3.1%"],["Bottineau","$2,357","3.1%"],["Hurdsfield","$2,357","3.1%"],["Mylo","$2,358","3.1%"],["Souris","$2,358","3.1%"],["Sykeston","$2,358","3.2%"],["Bowdon","$2,358","3.2%"],["Turtle Lake","$2,358","3.2%"],["Braddock","$2,359","3.2%"],["Surrey","$2,359","3.2%"],["Linton","$2,363","3.4%"],["Maddock","$2,363","3.4%"],["Kintyre","$2,364","3.4%"],["Medora","$2,365","3.4%"],["Kramer","$2,365","3.5%"],["Chaseley","$2,367","3.6%"],["Williston","$2,367","3.6%"],["Lakota","$2,369","3.6%"],["Warwick","$2,370","3.7%"],["Rolette","$2,371","3.7%"],["Rolla","$2,371","3.7%"],["South Heart","$2,372","3.8%"],["Fort Totten","$2,376","3.9%"],["Westhope","$2,381","4.2%"],["Saint Michael","$2,381","4.2%"],["Saint John","$2,385","4.3%"],["Dunseith","$2,386","4.4%"],["Butte","$2,386","4.4%"],["Balta","$2,387","4.4%"],["Bantry","$2,387","4.4%"],["Marshall","$2,388","4.5%"],["Wolford","$2,389","4.5%"],["Sentinel Butte","$2,389","4.5%"],["York","$2,389","4.5%"],["Richardton","$2,391","4.6%"],["Drake","$2,391","4.6%"],["Esmond","$2,392","4.6%"],["Knox","$2,393","4.7%"],["Belcourt","$2,393","4.7%"],["Shell Valley","$2,393","4.7%"],["Norwich","$2,393","4.7%"],["Balfour","$2,394","4.7%"],["Golva","$2,395","4.8%"],["Garrison","$2,395","4.8%"],["Denhoff","$2,396","4.8%"],["Velva","$2,398","4.9%"],["Benedict","$2,399","4.9%"],["Goodrich","$2,399","4.9%"],["Rugby","$2,400","5.0%"],["Karlsruhe","$2,401","5.0%"],["Lansford","$2,401","5.0%"],["New England","$2,402","5.1%"],["Martin","$2,403","5.1%"],["Belfield","$2,403","5.1%"],["Lefor","$2,404","5.2%"],["Deering","$2,405","5.2%"],["Beach","$2,406","5.3%"],["Newburg","$2,407","5.3%"],["Towner","$2,407","5.3%"],["Amidon","$2,408","5.3%"],["Anamoose","$2,408","5.3%"],["Trenton","$2,408","5.4%"],["Granville","$2,409","5.4%"],["Max","$2,409","5.4%"],["Fairfield","$2,412","5.5%"],["Upham","$2,412","5.5%"],["Ruso","$2,413","5.6%"],["Antler","$2,413","5.6%"],["Maxbass","$2,414","5.6%"],["Glenburn","$2,415","5.6%"],["Beulah","$2,415","5.7%"],["Stanton","$2,418","5.8%"],["Douglas","$2,422","6.0%"],["McClusky","$2,423","6.0%"],["Harvey","$2,426","6.1%"],["Hazen","$2,426","6.1%"],["Bowman","$2,428","6.2%"],["Voltaire","$2,428","6.2%"],["Mott","$2,429","6.3%"],["Regent","$2,430","6.3%"],["Reeder","$2,433","6.4%"],["Stanley","$2,434","6.5%"],["Glen Ullin","$2,435","6.5%"],["Hettinger","$2,435","6.5%"],["Scranton","$2,438","6.7%"],["Golden Valley","$2,440","6.8%"],["Zap","$2,440","6.8%"],["Sawyer","$2,444","6.9%"],["New Salem","$2,444","6.9%"],["Center","$2,445","7.0%"],["Roseglen","$2,447","7.0%"],["Ambrose","$2,448","7.1%"],["Fortuna","$2,448","7.1%"],["Flasher","$2,449","7.1%"],["Tioga","$2,449","7.1%"],["Noonan","$2,449","7.1%"],["Mcgregor","$2,451","7.2%"],["Rhame","$2,452","7.3%"],["Crosby","$2,455","7.4%"],["Halliday","$2,458","7.5%"],["Dodge","$2,459","7.6%"],["Taylor","$2,460","7.6%"],["Mohall","$2,461","7.7%"],["Donnybrook","$2,463","7.7%"],["Carpio","$2,467","7.9%"],["Tolley","$2,468","8.0%"],["Gladstone","$2,469","8.0%"],["Alexander","$2,469","8.0%"],["Hebron","$2,469","8.0%"],["New Leipzig","$2,469","8.0%"],["Epping","$2,470","8.0%"],["Flaxton","$2,470","8.1%"],["Powers Lake","$2,471","8.1%"],["Ross","$2,471","8.1%"],["Wildrose","$2,472","8.1%"],["Alamo","$2,472","8.2%"],["White Earth","$2,473","8.2%"],["Ray","$2,473","8.2%"],["Grenora","$2,475","8.3%"],["Manning","$2,475","8.3%"],["Lignite","$2,477","8.3%"],["Zahl","$2,477","8.4%"],["Columbus","$2,478","8.4%"],["Des Lacs","$2,479","8.5%"],["Dunn Center","$2,481","8.5%"],["Raleigh","$2,482","8.6%"],["Makoti","$2,482","8.6%"],["Portal","$2,484","8.7%"],["Berthold","$2,484","8.7%"],["Sherwood","$2,485","8.7%"],["Watford City","$2,485","8.7%"],["Marmarth","$2,487","8.8%"],["Bowbells","$2,488","8.8%"],["Mandaree","$2,491","9.0%"],["Keene","$2,492","9.0%"],["Carson","$2,492","9.0%"],["Killdeer","$2,493","9.1%"],["Palermo","$2,494","9.1%"],["Kenmare","$2,494","9.1%"],["Almont","$2,496","9.2%"],["Grassy Butte","$2,496","9.2%"],["Ryder","$2,496","9.2%"],["Saint Anthony","$2,499","9.3%"],["Elgin","$2,502","9.5%"],["Solen","$2,505","9.6%"],["Parshall","$2,509","9.7%"],["Cartwright","$2,509","9.8%"],["Arnegard","$2,510","9.8%"],["Plaza","$2,516","10.1%"],["Shields","$2,518","10.2%"],["New Town","$2,523","10.4%"],["Cannon Ball","$2,536","10.9%"],["Selfridge","$2,536","11.0%"],["Fort Yates","$2,552","11.7%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

North Dakota rate changes by company

In North Dakota, auto insurance providers decreased their premiums by 2.4% in 2020, continuing the trend of lower premium rates observed in the past year. State Farm shows the most significant decrease in premiums, with rates down by 7.5% compared to 2019, followed byProgressive, with a 4.6% rate decrease in 2020.

Insurer
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
Progressive$93.9-3.9%-4.6%
State Farm$64.5-2.7%-7.5%
Nodak Mutual$44.33.3%0.0%
American Family$44.30.5%-0.9%
National General$43.92.6%0.0%
USAA$25.10.0%0.9%
Geico$19.90.0%0.0%
Grinnell Mutual$17.01.1%1.9%
Farmers$17.03.1%0.0%
Center Mutual$16.60.0%0.0%
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Minimum requirements for auto insurance coverage in North Dakota

Drivers in the state of North Dakota are required to carry auto insurance. While there is a minimum amount of required coverage, North Dakota residents also have the option to purchase additional coverage or higher limits.

Below, we've included the required coverages for North Dakota drivers.

  • Bodily injury liability insurance: $25,000 per person and $50,000 per accident
  • Property damage liability insurance: $25,000 per accident
  • Uninsured/Underinsured motorist bodily injury insurance: $25,000 per person and $50,000 per accident
  • Personal injury protection (PIP): $30,000 per accident

We recommend North Dakota drivers consider higher liability limits as well as comprehensive and collision coverage. Minimum coverage plans may not be enough to fully cover the cost of damage in an expensive accident or protect any damage caused to your automobile.

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Recap of the cheapest auto insurance in North Dakota

  • Minimum coverage: American Family
  • Full coverage: State Farm
  • After an at-fault accident: State Farm
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: State Farm
  • Very good credit history: State Farm
  • Married couples: State Farm
  • Young drivers: State Farm
  • Young drivers with one accident: State Farm
  • Young drivers with a speeding ticket: State Farm

Methodology

We collected thousands of rates from ZIP codes across North Dakota for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in North Dakota, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.