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Best & Cheapest North Dakota Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16830 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2055 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.54 ★★★★★
239 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively

While searching for North Dakota car insurance, you want to ensure you’re getting a company with the best deal in addition to great customer service. You can make sure other policyholders are happy with an insurance company before you buy a policy by reading Clearsurance customer reviews. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in North Dakota. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best North Dakota car insurance companies.

In the table above, you can sort through all the North Dakota car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best North Dakota car insurance rankings.

Interested in learning more about one of these North Dakota car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in North Dakota?

It can be tricky to find affordable car insurance for teen drivers. In North Dakota, Nodak Insurance is the cheapest car insurance option for both female and male teen drivers on average compared to the most popular companies in North Dakota. You can find average North Dakota teen car insurance rates for male and female drivers for the five largest car insurance companies in North Dakota displayed in the table below.

Company Female teen rates Male teen rates
American Family Insurance $685 $973
National Farmers Union Property and Casualty Company $1,237 $1,374
Nodak Insurance $683 $765
Progressive $2,484 $2,589
State Farm Insurance Company $888 $1,045

These rates are based on profiles for 18-year-old male and female drivers in North Dakota. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in North Dakota will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in North Dakota?

Nodak Insurance offers the cheapest car insurance rates for married couples in North Dakota on average when compared with the most popular insurers in the state.

Company Married couple rates
American Family Insurance $2,029
National Farmers Union Property and Casualty Company $2,672
Nodak Insurance $757
Progressive $1,911
State Farm Insurance Company $1,623

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Dakota will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in North Dakota?

Among the five largest companies in the state, Nodak Insurance provides the cheapest car insurance rates for male and female senior drivers in North Dakota on average.

Company Female senior rates Male senior rates
American Family Insurance $989 $989
National Farmers Union Property and Casualty Company $913 $1,022
Nodak Insurance $453 $449
Progressive $1,010 $1,037
State Farm Insurance Company $766 $766

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Dakota will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in North Dakota for car insurance

Different areas of North Dakota have different risks, such as crime, car accidents and weather. Because of that, different areas in the state have different car insurance rates. On average, the cheapest area in North Dakota for car insurance is the West Fargo area. In the table below, you can see the top 10 cheapest areas in North Dakota for car insurance based on average rates for single adults.

Area Car insurance rates
West Fargo $1,189
Fargo $1,208
Grand Forks $1,219
Grand Forks Air Force Base $1,224
Horace $1,270
Casselton $1,272
Mapleton $1,276
Harwood $1,277
Argusville $1,309
Jamestown $1,313

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Dakota will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in North Dakota for car insurance

The Fort Yates area of North Dakota is the most expensive area in the state for car insurance on average. Car insurance in North Dakota can be more expensive in some areas of the state than others. The table below displays the top 10 most expensive areas in North Dakota for car insurance based on average rates for a single adult.

Area Car insurance rates
Fort Yates $1,501
Cannon Ball $1,499
Selfridge $1,496
Shields $1,495
Solen $1,492
Marshall $1,490
Elgin $1,489
Carson $1,488
Regent $1,486
Mott $1,486

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Dakota will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in North Dakota

North Dakota has multiple required coverages for drivers. Like most states, it requires drivers to purchase liability coverage. The state also requires bodily injury for uninsured/underinsured motorist, and, because North Dakota is a no-fault state, drivers are required to carry personal injury protection, also called PIP or no-fault coverage. True to its name, this coverage pays for your medical expenses and some loss of income if you are injured in an accident, regardless of fault.

The state’s required minimums for these coverages are detailed below, but keep in mind that these are just minimums. Drivers would be wise to consider purchasing higher limits to ensure sufficient coverage in the event of a costly accident.

North Dakota requires drivers to purchase more types of coverage than many other states, but it’s important to consider purchasing some optional coverages to make sure you have complete protection for your own vehicle. Two of the most common options are collision insurance and comprehensive insurance, which protect your car if you are at fault in an accident, or if it suffers from non-accident related damages. You also can look into other optional coverages, such as roadside assistance.

North Dakota state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Personal injury protection:

  • $30,000 per person

Bodily injury caused by an uninsured/underinsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Uninsured/underinsured motorist insurance covers you for injuries you sustain in an accident caused by a driver without insurance, a driver without enough insurance or a hit-and-run driver. In North Dakota, 6.8 percent of drivers don’t have insurance, according to 2015 data from the Insurance Information Institute.

How car insurance rates are calculated in North Dakota

When searching and comparing quotes from the best auto insurance companies in North Dakota, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in North Dakota

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best North Dakota car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in North Dakota

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.