Car insurance in North Dakota

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in North Dakota
• List of insurance companies in North Dakota

Compare North Dakota car insurance

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Most popular North Dakota auto insurance companies list

Company	Direct premiums written (billions)	Market share
Progressive	$81,706	16.6%
State Farm	$67,261	13.6%
American Family	$43,627	8.9%
Nodak Mutual	$42,168	8.6%
QBE Insurance	$41,843	8.5%
USAA	$24,041	4.9%
Geico	$18,030	3.7%
Grinnell Mutual	$16,836	3.4%
Farmers	$16,220	3.3%
Center Mutual	$15,414	3.1%

Average car insurance costs in North Dakota

Drivers in this state can generally expect to pay right around the national average for their car insurance, which was in the ballpark of $1,250 to $1,350 annually in 2017. This works out to about $105 to $115 monthly. So if you’re older than 25 and there are no big issues on your driving record, this could be close to what you’ll pay for your coverage.

Location can play a large role in your car insurance rates, but admittedly it’s less evident in North Dakota than it would be in say, New York. The more expensive places in North Dakota to insure a car are cities like Fargo, because with city living comes an elevated risk of traffic accidents, theft, vandalism and other issues that commonly result in insurance claims. And as for the cheaper parts of North Dakota to get car insurance, look to the small towns and rural areas — the lower the population density, the cheaper it typically is to buy coverage.

Which city has the cheapest car insurance in North Dakota?

Of North Dakota’s largest cities, Grand Forks has the cheapest rates and Bismarck has the most expensive car insurance rates. Bismarck drivers could face rates 1.5 times more than Grand Forks drivers.

• Fargo
• Grand Forks
• Bismarck
• Minot
• Fargo

Car insurance requirements in North Dakota

This state has a few minimum requirements when it comes to auto insurance coverage. So when you’re shopping for a policy, keep in mind that you must meet these standards to hit the road.

• Bodily injury liability: $25,000 per person / $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured/underinsured motorist (UM/UIM) coverage: $25,000 per person / $50,000 per accident
• Personal injury protection (PIP) coverage: $30,000 per person

You might sometimes see these requirements written as 25/50/25.

How do I get SR-22 insurance in North Dakota?

This is something your insurer will do for you once you let them know it’s being required by law. Typically when you have to file an SR-22 form in North Dakota, there’s a court order involved.

North Dakota Automobile Insurance Plan (NDAIP)

The North Dakota Automobile Insurance Plan can help high-risk drivers find minimum insurance coverage by assigning them to one of several area providers. All North Dakota car insurance companies are required to participate in the plan, so that every driver on the road is provided proper coverage. However, if you apply for coverage through the NDAIP, you can probably expect to pay more for your car insurance.

Bottom line

Since North Dakota requires you to carry car insurance and because you face financial and legal consequences if you don’t, your best route is to look for a conventional car insurance policy that works for you.

To learn more about these topics, from laws and regulations to finding the best values and policies out there, visit our comprehensive guide to car insurance.

Questions about North Dakota car insurance

• Will my insurance rates go up if I file a claim?

  Any insurance provider will reserve the right to increase rates as it sees fit. You could see more expensive rates after filing a claim.

  Though you can take your business elsewhere if you feel a price increase is unfair or unreasonable. If your provider has recently increased your rates, you may want to try discussing the matter with an agent before cancelling your policy — maybe there’s room for negotiation, or a discount you didn’t know you qualified for, that would make it worthwhile to stay with that insurer.

• Can I get mileage-based insurance in North Dakota?

  Unfortunately, not yet. Esurance is only offering this kind of coverage in Oregon, and Metromile has offerings in several states but North Dakota isn’t one of them. Both providers are looking to expand their offerings soon.

  It’s also worth noting that some insurance companies will give you low-mileage discounts if you drive fewer than 8,000 miles annually. If you fit the bill, you could be eligible for those savings in spite of not having a true mileage-based policy. Contact your agent to see if this is an option with your insurance company.