Best North Dakota Car Insurance Companies

There are a variety of car insurance companies in ND. The average rates for full coverage in the state are $61.47/mo, but you can compare quotes below to lower your rates.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Drivers in North Dakota have a wide variety of car insurance options
  • Motorists can choose to select an online company that offers insurance via the web or go with a local brick-and-mortar company located in their town
  • Before you decide on a car insurance company, be sure to shop around for the best car insurance policy to suit your needs

If you live in the great state of North Dakota and need car insurance, you can choose from a variety of car insurance providers.

Drivers will need to decide what type of coverage is required by North Dakota state car law and then decide if they will need to purchase additional comprehensive or collision coverage.

Enter your ZIP code above and start comparing affordable online car insurance quotes today!

Know the Law

Like most states, it is against the law to drive without insurance in North Dakota. All vehicles are required to carry liability, uninsured/underinsured motorist’s coverage, and personal injury protection.

Drivers who are caught driving without insurance in North Dakota must pay a fine and will have their license suspended. Drivers who plan to rent a vehicle must also take out insurance protection on their rental car.

Typically, motorists can pay for daily coverage with the rental company, but frequent travelers may want to consider taking out a policy with special coverage for rental cars.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Choosing a North Dakota Car Insurance Company

If you want to obtain car insurance in North Dakota, drivers can choose from a wide variety of insurance companies. Motorists can choose to select an online company that offers insurance via the web or a local brick-and-mortar company located in their town.

Drivers can also opt for a larger insurance company that sells a few different policies or select a smaller independent agent who offers a wider variety of policy choices.

Which type of company you choose depends on your personal preference, but whichever type of establishment you select, be sure to shop around for the best policy.

State Farm Insurance

Like many drivers, residents of North Dakota may want to select a company with a long history and large network of agents.

State Farm Insurance is a great option for drivers who are looking for a company that has a wide variety of agents located throughout the state of North Dakota.

As of 2010, State Farm insured 1 in 5 cars on the road. State Farm agents are very knowledgeable about their auto insurance products and the unique insurance requirements for North Dakota drivers.

State Farm was rated  A++ company according to and offers affordable premiums and discounts to good drivers.

American Family Insurance

As the tenth-biggest auto insurer in the U.S., American Family Insurance is a great option for drivers who want to make an investment in their car insurance company.

As a mutual company, the policyholders who are insured by American Family Insurance actually hold some ownership in the company.

If you are interested in getting a quote from American Family Insurance, you’ll love the fact that are also given quotes from 15 other insurance companies to facilitate comparison-shopping.

American Family Insurance is only available in 18 states, outside of North Dakota. Parents who need to insure teen drivers will be impressed with the company’s special services such as the In-car DriveCam, which monitors teen driver’s behavior to ensure they develop safe driving habits.

Allstate Insurance

Allstate Insurance is the second-largest auto insurer in the United States and offers its customers a number of discounts for safe driving, safety systems and for teen scholars and senior citizens.

In addition to providing customizable policies and affordable rates, the insurance payouts for injured motorists can go toward non-traditional expenses such as childcare costs as well as to vehicle repairs and medical expenses.

Allstate auto insurance is available in all 50 states but is customized to meet each state’s laws and driving regulations.

Progressive Insurance

If you are looking for a nationwide insurance company where you can manage your account online, Progressive Insurance might be a good choice for you. In addition to offering low rates, the company allows customers to pay for the policy, submit claims and make adjustments online.

Customers can also choose to visit with a Progressive agent in an office if they prefer to visit a brick-and-mortar location.

Progressive provides close to 30,000 independent insurance agents who can help motorists select a variety of coverages including liability, comprehensive, medical and collision insurance.

Customers can also choose to purchase additional protection for their pets or custom equipment and accessories. Motorists will love the company’s discounts for student scholars and good drivers.

Farmers Insurance

As the third-largest auto insurer in the United States, Farmers insurance has been helping drivers find affordable rates since 1928. Farmers Insurance has over 20,000 employees and close to 15 million customers located throughout the U.S.

Farmers Insurance operates in 40 states in addition to North Dakota. In addition to car insurance, the company also provides health, home, and life insurance and writes policies for motorcycles and recreational vehicles as well.

The company provides customers with a number of ways to handle their policies and obtain quotes and offers enticing discounts for good drivers.

Consumers can visit one of over 20 Farmers Insurance offices located throughout North Dakota or can contact the company online or by telephone.

Independent Insurance Providers

Drivers should not forget to look into the many independent agents who offer a variety of insurance products and policies.

Independent insurance agents are preferred by some drivers because they have the freedom to offer a variety of plans in order to find the best premium prices for their clients.

Many times, independent insurance agents work with over 20 insurance companies to find their clients rates that are suited to their pocket books and driving needs.

Deciding on a Car Insurance Company

Before you decide on a car insurance company, be sure to shop around for the best car insurance policy to suit your needs.

Remember to check your policy’s special coverage options like towing reimbursement and other concierge services with similar services offered by auto clubs or some credit card providers.

If you want to maximize your savings, try bundling your various life, home, and auto insurance policies together.

Remember, if you ask for insurance quotes knowing exactly what services and protection you will need, you will save time, money and find the perfect policy option for you and your family.

Enter your ZIP code below to find online auto insurance policies for FREE!



Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption