Last updated: February 10, 2026Best Auto Insurance in North Dakota in 2026
American Family, USAA, Nationwide, State Farm, and Shelter are our top pick providers for North Dakota drivers.
Best Value Insurance
Editor's Rating:
4.4/5
4.4/5Full Coverage Averages in ND
- Annual premium: $1,283
- Monthly premium: $107
Best for Military/Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in ND
- Annual premium: $1,292
- Monthly premium: $108
Best for Safe Drivers
Editor's Rating:4.8/5
4.8/5Full Coverage Averages in ND
- Annual premium: $1,082
- Monthly premium: $90
Key Takeaways
- American Family offers the best value car insurance in the state. USAA, Nationwide, State Farm, and Shelter are also great choices for North Dakota drivers.
- On average, full coverage auto insurance in North Dakota costs $2,185 per year, or $182 a month (seven percent less than the nationwide average).
- Minimum coverage in North Dakota costs $509 annually, or $42 per month (30 percent less than the nationwide average).
- Our pricing data represents average rates. They’re a helpful starting point, but your quoted rates will vary based on your vehicle, driver profile, and other factors.
Summary of the the Best Auto Insurance in North Dakota
- Best Value: American Family
- Best for Veterans and Military Members: USAA
- Best for Safe Drivers: Nationwide
- Best for Local Agents: State Farm
- Best for Customer Satisfaction: Shelter
Compare the Best Cheap Auto Insurance in North Dakota
| Company | Full Coverage Monthly Avg. in ND | Minimum Coverage Monthly Avg. in ND | Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| American Family | $107 | $36 | Above average |
| USAA | $108 | $23 | Above average |
| Nationwide | $90 | $31 | Below average |
| State Farm | $149 | $39 | Above average |
| Shelter | Data not available | Data not available | Above average |
| North Dakota | $182 | $42 |
– |
Breaking Down the Best Cheap Auto Insurance in North Dakota
1. Best Value - American Family
What We Like Most:
- Cheap rates in North Dakota
- Low rates for high-risk drivers
- Usage-based insurance for safe drivers
Why we chose it
American Family’s full coverage rates are the second lowest in North Dakota. It also offers lower-than-average rates across a wide range of driver profiles, along with a large range of discounts. Its J.D Power Customer satisfaction score of 674 is above average in the Central region.
Safe drivers can save with American Family’s usage-based insurance program, DriveMyWay, which monitors cell phone use behind the wheel, braking, late-night driving, and speeding. You can save 15 percent on your policy just by signing up, and American Family advertises that most drivers save between 10 and 35 percent, depending on habits.1 Note that your rates may increase for unsafe driving. However, users who un-enroll within a 99-trip trial period won’t have their score used to calculate their rates, which is a relatively unique grace period.
American Family also offers the lowest rates in North Dakota for drivers with a DUI and drivers with an at-fault accident.
DID YOU KNOW?
On average, in North Dakota, a DUI increases your auto insurance rate by 66 percent, while an at-fault accident increases your rate by 33 percent.
Who it’s best for
Safe drivers looking for discounts, drivers with DUIs or speeding tickets looking for the lowest North Dakota rates.
American Family North Dakota Pricing
| American Family | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $107 | $36 |
| Annually | $1,283 | $433 |
| Difference from North Dakota average | -41% | -15% |
2. Best for Veterans and Military Members - USAA
What We Like Most:
- Lower than average rates in North Dakota
- Excellent customer service scores
- Cheapest rates for teen drivers and their families in ND
Why we chose it
USAA is known for offering lower-than-average rates to veterans, military members, and their families. It also earned some of the highest third-party customer service ratings in North Dakota, with above-average rates in both J.D Power’s customer and claims satisfaction surveys.
For drivers who qualify, it offers the lowest minimum coverage rates in the state, along with the lowest rates for teen drivers and their families.
USAA offers a wide range of discounts, including usage-based insurance, which offers savings to those who practice safe driving habits and drive less than 8,000 miles a year. Customers also enjoy more unique discount offerings, including savings for transferring from your parents’ policy to your own policy, parking your car on a military base, or for drivers who store their vehicle long-term.
Who it’s best for
Veterans, military members, and their families who qualify for USAA, teen drivers and their families looking for the lowest rates, and drivers looking for the lowest minimum coverage rates.
USAA North Dakota Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $108 | $23 |
| Annually | $1,292 | $280 |
| Difference from North Dakota average | -40% | -45% |
3. Best for Safe Drivers - Nationwide
What We Like Most:
- Lowest full coverage rates in North Dakota
- Pay-per-mile insurance
- Low rates for high-risk drivers
Why we chose it
Nationwide offers lower-than-average rates in North Dakota, including the lowest full coverage rates and third-lowest minimum coverage rates in the state.
Its low rates aren’t limited to those with clean driving records—Nationwide’s rates for those with speeding tickets and low credit scores are also among the lowest in the state.
The company offers a highly rated app for drivers who prefer to manage their policy using digital tools, and came second out of 17 providers in the J.D. Power Digital Experience survey.2
Drivers looking for usage-based insurance that rewards safe driving habits can opt in to SmartRide, Nationwide’s safe driving program, which tracks and rewards safe driving habits like braking, night driving, and miles driven. Drivers can get a 15 percent discount just for signing up.
Who it’s best for
Low-mileage drivers, drivers with speeding tickets, or low-credit, safe drivers looking for discounts, and drivers who prefer to manage their policies using digital tools.
Nationwide North Dakota Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $90 | $31 |
| Annually | $1,082 | $369 |
| Difference from North Dakota average | -50% | -27% |
4. Best for Local Agents - State Farm
What We Like Most:
- High number of local agents
- Bundling discounts
- Offers rideshare insurance
Why we chose it
State Farm is a national insurer offering affordable rates and a high standard of customer service. Its high number of North Dakota agents makes it a great option for drivers who prefer a more personal insurance shopping experience.
State Farm’s minimum and full coverage rates are lower than the North Dakota statewide average. It offers discounts for bundling auto insurance with other policies, including home and auto insurance, along with renters, condo, and life insurance. It offers a high standard of customer service, and its J.D. Power customer and claims satisfaction scores are both above the statewide averages.
Who it’s best for
Drivers who prefer to work with captive agents, drivers looking to purchase multiple policies, and drivers with good credit scores (State Farm’s low-credit premium is higher than the statewide average).
State Farm North Dakota Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $149 | $39 |
| Annually | $1,793 | $468 |
| Difference from North Dakota average | -18% | -8% |
5. Best for Customer Satisfaction - Shelter
What We Like Most:
- Highest customer satisfaction rating in North Dakota
- Smooth claims handling
- Wide range of coverage options
Why we chose it
Shelter is available in only 15 states, including North Dakota. Notably, it scores highest in the Central region in the J.D. Power Customer Satisfaction survey (USAA has a higher score, but is technically ineligible to rank due to eligibility restriction). Shelter received a B- on the CRASH Network Insurer Report Card, a national survey of collision repair shops evaluating insurers’ claims practices — the highest grade among our top picks.
Shelter offers a wide range of customizable coverages that policyholders can add to their insurance, including gap insurance, temporary transportation, and disability income coverage for those who are unable to return to work after an accident.
It also offers a significant number of unique discounts, including for drivers who complete an accident prevention course, a loyalty discount, and a length of vehicle ownership discount.
Who it’s best for
Drivers who prioritize excellent customer service and people looking for customizable or more unique coverage options. Data on average pricing isn’t available, so get a quote to see how much you’ll pay.
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central3 | CRASH Network Report Card4 | J.D. Power Claims Satisfaction5 | NAIC Complaint Index6 |
|---|---|---|---|---|
| American Family | 660 | C+ | 702 | 1.37 |
| USAA | 719 | D+ | 741 | 3.18 |
| Nationwide | 632 | C | 729 | 2.55 |
| State Farm | 664 | C- | 716 | 2.46 |
| Shelter | 673 | B- | Not rated | 1.11 |
| Average | 649 | C | 700 | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in North Dakota
Full Coverage Rates in North Dakota
North Dakota’s annual average rate is $2,185 a year, or $182 per month, slightly less than the national average.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| North Dakota average | $2,185 | $182 |
| National Average | $2,356 | $196 |
Minimum Coverage Rates in North Dakota
Minimum coverage rates in North Dakota cost 30 percent less than the nationwide average. Its average annual minimum coverage rate is $509, and its monthly rate is $42.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| North Dakota average | $509 | $42 |
| National Average | $722 | $60 |
Auto Insurance Costs by City in North Dakota
Average auto insurance rates vary significantly by location, and can even be affected by the city you live in. On average, North Dakota residents can look forward to auto insurance premiums lower than the national average, regardless of their city.
Fargo offers the lowest rates in North Dakota, with an average annual rate of $1,794 and a monthly rate of $150. On the other end of the spectrum, Bismarck charges some of the highest rates in the state, with an average annual rate of $2,044 and a monthly rate of $170.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Bismarck | $2,044 | $170 |
| Fargo | $1,794 | $150 |
| Grand Forks | $1,840 | $153 |
| Minot | $2,054 | $171 |
| West Fargo | $1,801 | $150 |
How Many Car Accidents Happen in North Dakota?
According to data from the North Dakota Department of Transportation, there were 9,803 crashes in North Dakota in 2024. This is down 10,475 total crashes in 2023.
In 2024, 89 people were killed in traffic crashes, and 3,592 people were injured. The two most populated counties saw the most crashes. Cass County, which contains Fargo, saw the highest number of crashes (2,511), followed by Burleigh, which contains Bismarck (675). On the other end of the spectrum, Sioux and Steele counties reported just one crash each during 2024.7
DID YOU KNOW?
At least 936 crashes in North Dakota were caused by distracted driving. 12 of these crashes were fatal.
Minimum Auto Insurance Requirements in North Dakota
Auto insurance is a legal requirement in North Dakota. To drive legally, you’ll need to make sure your policy meets the following legal limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
- Basic no-fault (personal injury protection): $30,000 per person8
While North Dakota’s minimum requirements are relatively robust compared to those in other states, they may not provide complete financial protection if you’re ever in a serious accident. If you’re looking for additional protection — so you’re not required to pay the difference in the event of an accident — opt for higher limits and full coverage, which also provides comprehensive and collision coverage.
Frequently Asked Questions
The average cost of car insurance in North Dakota is $2,185 per year ($182 per month) for full coverage, and $509 per year ($42 per month) for minimum coverage.
Depending on your driver profile and provider, the average annual cost of auto insurance in North Dakota can cost anywhere between $280 (USAA’s average minimum coverage rate) and $8,295 (Progressive’s average North Dakota rate for teen drivers).
In North Dakota, GEICO tends to be more expensive than State Farm for full coverage, and around the same for minimum coverage. However, nationally, GEICO tends to be cheaper for both full and minimum coverage.
Bear in mind that auto insurance rates can vary significantly based on your location, vehicle, driver history, coverage, and more. Overall, both GEICO and State Farm are known for offering competitive rates, so it’s worth getting a quote from each.
On average, Louisiana and Florida are the most expensive states for purchasing auto insurance, due to high levels of theft, fraud, extreme weather, and uninsured drivers. Louisiana’s average full coverage rate is $3,651, and Florida’s is $3,672.
To make sure your rates are the lowest possible, make sure you’ve taken advantage of all available discounts, including bundling home and auto. Opt for pay-per-mile or usage-based insurance if you drive infrequently and are a safe driver. If you drive a luxury or sports car, consider trading in your vehicle for one that’s cheaper to insure. You can also decrease your coverage or opt for a higher deductible — but make sure you can afford the higher out-of-pocket costs in the event of an accident.
Methodology - How We Review Providers
We select our best providers in North Dakota based on the criteria listed below:
- Pricing (40%): We reviewed and analyzed the average costs of full and minimum coverage in North Dakota, along with the average costs of insurance for different driving profiles, including drivers with speeding tickets, DUIs, and low credit. We also take discounts into account. For minimum coverage, we use legal state limits. Full coverage averages use the following limits:
-
- Bodily injury liability: $100,000 per person / $300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: Same as bodily injury liability
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We evaluate the efficiency of claims handling using third-party data from independent sources, including J.D. Power’s Claims Satisfaction Study, AM Best, and other reports. We understand that claims handling is the core purpose of any auto insurance provider.
- Customer experience (25%): We use a variety of perspectives, including ease of getting a quote, digital tools, policy management options, and local agents. We evaluate this using J.D. Power’s surveys alongside app ratings and other available data.
- Coverage options (10%): We review the coverage options of each of our North Dakota providers, favoring providers with coverage options beyond the legally required limits. This includes gap insurance, rideshare insurance, and other coverage types.
Read more about our ratings and methodology.
Sources
DriveMyWay personalized auto rate program. American Family Insurance. (2026).
https://www.amfam.com/insurance/car/drivemywayhttps://www.jdpower.com/business/press-releases/2025-us-itsitsinsurance-digital-experience-study
It’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htm2024 North Dakota Crash Summary. Vision Zero. (2024).
https://visionzero.nd.gov/uploads/71/0NDDOT_2024CrashSummary_WEB.pdfAuto. North Dakota Insurance Department. (2026).
https://www.insurance.nd.gov/consumers/insurance/auto
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