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The Best Auto Insurance in North Dakota 2024

Options for bundling home and auto, low budgets, and more

Best for Military and Veterans
USAA Logo 2023

Full Coverage Averages in North Dakota
• Annual Premium: $707
• Monthly Premium: $59

Pros + Cons
30 percent discount through safe driving program SafePilot
Good rates for families with young drivers
24/7 roadside assistance
X Not available to non-members of the military and non-veterans

Read our USAA review.

Best for Home and Auto Bundles
Allstate Logo 2023

Full Coverage Averages in North Dakota
• Annual Premium: $906
• Monthly Premium: $76

Pros + Cons
Up to 15 savings on home and auto bundles
Rideshare insurance
Roadside assistance and rental car reimbursement
X Higher-than-average prices

Read our Allstate review.

Best for Safe Drivers
Nationwide logo

Full Coverage Averages in North Dakota
• Annual Premium: $859
• Monthly Premium: $72

Pros + Cons
Discounts for safe driving through the SmartRide program
Up to 10 percent off for being accident-free
Bundle with boat, multi-car, home, or renters insurance
X No insurance for rideshare drivers

Read our Nationwide review.

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North Dakota is home to over half a million drivers,1 all of whom need auto insurance. The Roughrider State requires liability insurance, uninsured/underinsured motorist coverage, and personal injury protection due to its no-fault insurance laws.2 But how can you find the right car insurance for you, whether you’re a senior, a safe driver, a military member, or someone who wants to bundle their home and auto insurance?

We’ve evaluated the top insurance companies in the state, and these are the best of the best. Let’s get started.

Looking for more? We’ve also reviewed the best auto insurance companies for military members and veterans, the best for seniors, and the best overall.

Blue CarBest Auto Insurance Companies in North Dakota

  1. USAA – Best Auto Insurance for Military and Veterans in North Dakota
    Available solely to military members, veterans, and their families, USAA’s offerings are tailored to service members’ needs, like a discount for garaging your car on a military installation if you’re deployed.
  2. Allstate – Best for Bundling Home and Auto Insurance in North Dakota
    People buying car insurance in North Dakota can save up to 15 percent when they bundle their home and auto insurance policies with Allstate.
  3. Nationwide – Best for Safe Drivers in North Dakota
    Nationwide offers several discounts for safe driving, including its telematics discount SmartRide, plus a good bundling discount.

Summary of the the Best Auto Insurance in North Dakota

  1. 1.

    Best for Military and Veterans in North Dakota: USAA

  2. 2.

    Best for Home and Auto Bundles in North Dakota: Allstate

  3. 3.

    Best for Safe Drivers in North Dakota: Nationwide

  4. 4.

    Best for Seniors in North Dakota: GEICO

  5. 5.

    Best Budget Option in North Dakota: Grinnell Mutual

Comparison of the Best Auto Insurance in North Dakota 2024

Company USAA Allstate Nationwide GEICO Grinnell Mutual
Average annual rate for full coverage in North Dakota, according to the North Dakota Insurance Department’s 2023 report3 $707 $906 $859 $902 $699
Average monthly rate for full coverage $59 $76 $72 $75 $58
J.D. Power Central Region Customer Satisfaction Index Ranking (out of 1,000)4 890 806 792 819 n/a
J.D. Power Auto Claims Satisfaction Index Ranking (out of 1,000) 900 882 875 871 n/a
Best for Military and Veterans Home and Auto Bundles Safe Drivers Seniors Budget

Detailed List of the Best Auto Insurance in North Dakota of 2024

1. Best for Military and Veterans in North Dakota - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

USAA is a company that’s available solely to veterans, military members, and their spouses and children and we named it the best auto insurance for the military. It makes it easy to insure your car while you’re deployed, and save money by avoiding coverages you don’t need. Along with Grinnell Mutual, it’s one of the cheapest options in North Dakota.

ProsWho It's Best For
  • pro
    Military members, veterans, and their families
  • pro
    Families with teen drivers
  • pro
    People on deployment
  • pro
    People who garage their cars on military installations
ConsWho It's Not Best For
  • con
    People not affiliated with the U.S. military


In North Dakota, veterans make up over 7 percent of the state’s population, accounting for 43,674 people in total.5

Competitive Prices and Military-Specific Discounts

Being deployed and having to leave your family is part of the job description when it comes to the military. And even if you’re leaving your car in a garage on a military installation, you’ll still need comprehensive insurance, which covers property damage from non-collision events like weather, fire, vandalism, and auto theft. Fortunately, USAA lets you save up to 15 percent off your comprehensive coverage if you are deployed or garage your car on a military installation. Additionally, you’ll receive a low-mileage discount, which varies based on your annual mileage.

Discounts are part of how USAA keeps its premiums low across the state:

Company Fargo Bismarck/Mandan Grand Forks Minot Rest of state State average
USAA $566 $574 $527 $534 $642 $568
Allstate $855 $954 $808 $809 $842 $853
Nationwide $683 $774 $704 $797 $812 $754
GEICO $620 $711 $618 $719 $883 $710
Grinnell Mutual $519 $564 $551 $604 $515 $550

Good Rates for Families with Youthful Drivers

Families with teen drivers pay more for auto insurance, and North Dakota is no exception. USAA offers some of the lowest rates for families with teen drivers across the state.

According to a 2023 report from the North Dakota Department of Insurance, a family with two vehicles and a 16-year-old driver can expect to pay around the following for full coverage (assuming clean driving records and parents with good credit):

Company Fargo Bismarck/Mandan Grand Forks Minot Rest of state State average
USAA $1,299 $1,256 $1,185 $1,196 $1,362 $1,260
Allstate $1,362 $1,487 $1,280 $1,280 $1,240 $1,330
Nationwide $1,245 $1,388 $1,273 $1,452 $1,405 $1,353
GEICO $1,390 $1,575 $1,387 $1,616 $1,893 $1,572
Grinnell Mutual $1,189 $1,256 $1,258 $1,377 $1,125 $1,241

USAA’s rates are competitive across the board, in particular for families with teens in Grand Forks and Minot.

Additionally, USAA offers accident forgiveness, a feature that’s especially important with teens behind the wheel. If you’ve been with the company for five years and haven’t had any accidents, it may not raise your rate the first time you cause an accident. This could save you a ton of money, as USAA’s cost of auto insurance with accidents can increase by 42 percent for those who do not have accident forgiveness.

24/7 Roadside Assistance

Especially if you’re away from home, you want to make sure your spouse and children are protected in the event that they get stranded on the side of the road. Fortunately, USAA offers 24/7 roadside assistance, which includes:

  • Battery jumpstart
  • Flat tire
  • Fuel delivery
  • Lockout services
  • Towing
  • Winching

You’ll pay nothing for a stuck vehicle, jumpstar, lockout services, or a flat tire replacement, minus the cost of the spare. For towing, your car will be taken to the nearest repair shop, and fuel delivery is available at a contracted rate, less than what you’d pay if you called a tow truck company directly.

2. Best for Home and Auto Bundles in North Dakota - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate offers a slew of discounts, including for bundling your home and auto insurance, insuring a new car, having a student on your policy with good grades, and paying on-time, to name a few. It’s available to people who drive for pleasure as well as rideshare drivers, filling in the gaps of their transportation network company (TNC)’s insurance.

ProsWho It's Best For
  • pro
    People who want to bundle their home and auto insurance policies
  • pro
    Rideshare drivers
  • pro
    Owners of new cars
  • pro
    Students with good grades
ConsWho It's Not Best For
  • con
    People with at-fault accidents or DUIs on their records
  • con
    Those who appreciate a smooth claims and repair process, as Allstate received a D+ rating in CRASH Network’s 2024 Auto Insurer Report Card6

Home and Auto Bundling Discount

You can save money whenever you bundle home and auto insurance together under the same provider, but the exact amount you can save differs by state. For Allstate customers in North Dakota, that percentage comes out to up to 15 percent due to the company’s multi-policy discount, along with the enrollment discount. You can take advantage of this bundle whether you own your home or rent, and whether you drive a motorcycle or a car.

Rideshare Coverage

What rideshare drivers need to know about car insurance, and what they may not be aware of, is that the rideshare company’s coverage only covers you when a passenger is in the car. However, if you are waiting for a ride or driving to pick someone up, the TNC coverage does not apply, and a personal auto insurance policy does not cover commercial driving.

That’s where Allstate’s rideshare coverage kicks in. It’s supplemental insurance that ensures you’ll be covered the entire time you’re driving for Uber and Lyft, not just when you have a customer in the car.


Although North Dakota has many rural areas with fewer rideshare drivers than in cities like Fargo, Grand Forks, and Bismarck, a 2018 survey by the U.S. Department of Transportation found that 65 percent of survey respondents say ridesharing services were available where they lived.7

Among our top picks for car insurance in North Dakota, only Allstate, Grinnell Mutual, and USAA (which is only available to military members and veterans), offers rideshare coverage. You can expect to pay about $868 annually ($72 monthly) for a liability-only policy from Allstate that includes rideshare coverage in North Dakota.

Rental Reimbursement

Your car is the shop for a covered claim, but as you probably know, public transportation in the state is lacking. Your spouse needs their car for work, so how do you get around? With Allstate’s rental reimbursement coverage, you can get reimbursed for the cost of a rental car, Uber and Lyft rides, or even public transportation. It’s one of Allstate’s many available add-ons, which include roadside assistance and a personal umbrella policy in addition to the state’s required coverages and rideshare insurance.

3. Best for Safe Drivers in North Dakota - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

The average annual cost of car insurance in North Dakota is only $859 for Nationwide customers, but it’s even lower for certain groups like single females in their thirties, married couples in their sixties, or couples in their twenties with young children. Prices go down even lower for safe drivers, as they cost Nationwide less money in claims.

ProsWho It's Best For
  • pro
    People with clean driving records for the past five years
  • pro
    Drivers 55 and older
  • pro
    Those who want to bundle their auto policies with boat, home, renters, or multi-car insurance
  • pro
    North Dakotans who driver fewer than 8,000 miles annually
ConsWho It's Not Best For
  • con
    People who want the best customer service
  • con
    Rideshare drivers

Discounts for Safe Drivers

Do you have a clean driving record for the past five years? If so, you can save money with Nationwide. To save even more money, consider Nationwide’s usage-based insurance (UBI) program, SmartRide. Not only will you get a 10 percent discount for signing up, but you can save up to 40 percent more by demonstrating those safe driving behaviors as measured by the SmartRide app. If you drive fewer miles and avoid hard braking, fast accelerations, and driving between midnight and 5 a.m., you might as well get rewarded for it.

Additionally, once you’ve maintained an accident-free driving record with Nationwide, you can get another 10 percent off your premium. That’s three ways for safe drivers to save with Nationwide.

Senior Defensive Driving Discounts

On average, a married couple, ages 65 and retired, will pay the following amounts each year for car insurance from Nationwide:

  • Fargo: $723
  • Bismarck/Mandan: $826
  • Grand Forks: $748
  • Minot: $843
  • Remainder of state: $881

However, that couple could save an additional 5 percent off their Nationwide premiums if they have no-fault accidents in the past 36 months and complete a state-approved accident prevention course. For the average couple in their sixties in Fargo, their monthly cost would come out to just about $57 a month with Nationwide. Not too shabby!

Local Agents

Some people may not want to get their auto insurance online. If you want a local experience, in-person or over the phone, Nationwide has agents within the following cities within North Dakota:

  • Ashley
  • Beach
  • Beulah
  • Bismarck
  • Buxton
  • Cando
  • Cavalier
  • Dickinson
  • Fargo
  • Grand Forks
  • Harvey
  • Hazen
  • Hebron
  • Hillsboro
  • Langdon
  • Linton
  • Mandan
  • Minot
  • Mohall
  • Napoleon
  • New Salem
  • New Town
  • Park River
  • Powers Lake
  • West Fargo
  • Williston
  • Wishek

As a comparison, GEICO has no local agents in North Dakota, so Nationwide is a better option if you want a more human-to-human connection.

4. Best for Seniors in North Dakota - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

Did you know that, according to the U.S. Census’ estimates for 2022, there are 256,825 people ages 50 and older living in North Dakota, accounting for 33 percent of the state’s population?8 That means that up to a third of the state may be able to guarantee a contract renewal with GEICO, meaning you won’t have to scramble to find a new policy when yours expires. Additionally, GEICO rewards senior drivers with discounts for driving safely, having multiple cars, and taking a defensive driving course, among others.

ProsWho It's Best For
  • pro
    Drivers 50 and older
  • pro
    People with clean driving records
  • pro
    Anyone who appreciates great customer service
  • pro
    Someone who wants to manage their auto insurance policy digitally
ConsWho It's Not Best For
  • con
    People who want to work with local agents
  • con
    Those who want to bundle auto with homeowners policy underwritten by the same company

Senior Driving Discounts

On average, GEICO has amazing low prices for seniors. In North Dakota, GEICO’s average annual rate for a married couple in their sixties is $736 for full coverage, while its average cost for a 72-year-old single female is just $489. That’s less than Allstate and Nationwide. But you can save even more money with the following discounts:

  • Defensive driving discount: Save up to 10 percent by completing a GEICO-approved defensive driving course on a voluntary basis.
  • Multi-vehicle discount: Save up to 25 percent on coverages when you insure more than one car with GEICO.
  • Multi-policy discount: You can also save money by bundling your car insurance policy with condo, mobile home, renters, or homeowner’s insurance.
  • Veteran discount: GEICO offers discounts up to 15 percent to both active-duty military members as well as military retirees.

Guaranteed Renewal and for Seniors

GEICO can guarantee a renewal of your contract if you:

  • Are 50 and older
  • Have had no accidents or traffic violations within the past three years
  • Do not use your vehicles for business purposes
  • Don’t have anyone on your policy under age 25

Many companies will not cover senior drivers after a certain age, fearing that they will cause more accidents and cost them more money. However, if you meet these criteria, you won’t have to worry about this with GEICO.

Great Customer Service

Out of all the companies in this list, GEICO had the highest ratings from customers who participated in J.D. Power’s 2023 Customer Satisfaction study for personal auto insurance in the Central region, which includes North Dakota. The company earned a rating of 819 out of 1,000. To put that in comparison, Allstate got an 806 and Nationwide got a 792. Although the company lacks local agents in North Dakota, it more than makes up for it with tons of digital support options, from the GEICO app and website to a regular old call line.

5. Best Budget Option in North Dakota - Grinnell Mutual
Grinnel Mutual Logo

What We Like Most:

  • Made the honor roll in CRASH Network’s 2024 Insurer Report Card, no. 10 out of 88
  • Low premiums for various driver profiles
  • Wide range of coverage options

Out of all the companies on this list, Grinnell Mutual has the lowest prices, on average. Full coverage insurance for a single, 30-year-old female costs an average of only $491 per year, which comes out to about $41 per month. Grinnell Mutual also has the lowest prices for married couples in their thirties, married couples in their forties with young drivers on their policy, or single 48-year-old females with young drivers. Prices are even lower for safe drivers who qualify for the Grinnell Mutual Elite Driver Program, which we’ll explain below.

ProsWho It's Best For
  • pro
    People who want the lowest prices
  • pro
    Drivers with clean records
  • pro
    People who want to bundle their auto policies with farm and business coverages
  • pro
    Those who want add-ons like pet injury, air bag reinstallation, personal property insurance, and rental car coverage
ConsWho It's Not Best For
  • con
    Couples with young children, who have higher rates than average

Grinnell Mutual Elite Driver Program

People with clean driving records can benefit from Grinnell Mutual’s Elite Driver Program, as they’ll receive discounts on full coverage insurance. However, to qualify, you must have:

  • A household with fewer than two at-fault accidents and minor moving violations in the past three years, ideally none of either
  • All drivers have U.S. driving experience
  • Vehicles used for personal use only

While this coverage is not available for rideshare drivers or drivers with more than two at-fault accidents or minor moving violations on their records for the past three years, it is an option for safe drivers to save on car insurance, farm, and business coverage.

Low Average Premiums

Grinnell Mutual offers some of the cheapest car insurance in North Dakota. Here are its average annual rates for different driver profiles, compared with the state average across all companies:

  • Single female, age 30: $491, 14 percent lower than the state average of $574
  • Married couple, age 35: $590, 7 percent lower than the state average of $633
  • Married couple in their forties with a young driver: $1,241, 3 percent lower than the state average of $1,211
  • Single female, age 48, with a young driver: $878, 2 percent lower than the state average of $900

While Grinnell isn’t always going to be the cheapest option, like for single females in their seventies or a 25-year-old couple with young children, it does offer the lowest rates for the above groups, on average. As with any auto insurance company, you need to get a quote to learn exactly how much you’ll pay.

Wide Range of Coverages

Of course, Grinnell Mutual offers the basic coverages that North Dakota requires, but it takes things a step further with the following optional coverages, all bundled together under what the company calls Auto Plus:

  • Air bag reinstallation: This coverage will reimburse you for the costs of getting your air bags reinstalled after they deploy without involvement in an accident.
  • First-year total loss: A new vehicle purchased in the past years with fewer than 15,000 miles that has been declared a total loss will be replaced with the exact same car, one model year newer.
  • Lockout services: We’ve all been there before, locked out of our cars and entering sheer panic. In this case, Grinnell will pay up to $100 for lockout services, typically part of roadside assistance.
  • Lock replacement: If you lose your car keys, you’ll get up to $250 for replacement of your electronic entry device, keys, or key entry pad.
  • Personal property: While comprehensive coverage includes auto theft, it won’t reimburse you for personal items stolen from your car. That’s where personal property coverage comes in, paying you up to $500 to replace your missing or stolen items.
  • Pet injury: If your pet is killed or injured during an accident (an event that hopefully never happens), Grinnell will pay up to $500 for vet fees, or even a new pet adoption.
  • Rental car coverage: Different from rental car reimbursement, rental car coverage will kick in if there is any property damage or loss-of-use costs for a car you rented, to the tune of up to $750.


To determine the best auto insurance companies in North Dakota, we evaluated major insurers across four key categories—pricing, claims handling, customer experience, and coverage options. Here’s a breakdown of how each category was assessed:

  • Pricing (40% weighting): We used the most recent data from the North Dakota Department of Insurance to evaluate average annual premiums for different driver profiles, including adults, families with young drivers, seniors, rideshare drivers, and high-risk drivers. We also evaluate each provider’s available discounts and whether it offers savings opportunities like bundling, good student, and telematics discounts.
  • Claims Handling (25% weighting): A company’s ability to handle claims efficiently and fairly is paramount. We considered third-party evaluations from sources like J.D. Power’s Claims Satisfaction Report for the Central region; financial strength ratings from AM Best and Moody’s, which indicate an insurer’s ability to pay claims; real-life customer experiences with the claims process in North Dakota, when available.
  • Customer Experience (25% weighting): The overall experience of obtaining a quote, purchasing a policy, and interacting with the insurer in North Dakota was evaluated based on: ease of online quote and purchase process and regional customer satisfaction scores (J.D. Power U.S. Auto Insurance Study for the Central region); complaint data from the North Dakota Insurance Department and Better Business Bureau (BBB) ratings for the state; and first-hand customer experiences of North Dakotans, when available.
  • Coverage Options (10% weighting): We value insurers that provide additional protection beyond North Dakota’s legally-required coverage, through optional endorsements like: gap insurance, rideshare coverage, accident forgiveness, and other offerings relevant to drivers in the state.

By evaluating these key areas and weighing them according to their importance for North Dakota drivers, we aimed to provide a comprehensive and data-driven analysis of the best auto insurance options for motorists in the state.


What is the average cost of auto insurance in North Dakota?

According to the North Dakota Insurance Department’s April 2023 cost comparison survey, the average cost of auto insurance is $760 per year.

What are the requirements for car insurance in North Dakota?

According to the North Dakota Insurance Department, the requirements for car insurance in North Dakota are as follows:

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person, $50,000 per accident
  • Underinsured motorist coverage: $25,000 per person, $50,000 per accident; must equal the amounts of uninsured motorist coverage
  • Personal injury protection: $30,000 per person

Is North Dakota a no-fault state?

Yes, North Dakota is a no-fault state that requires $30,000 of personal injury protection (PIP) per person. Each person’s PIP would cover their own injuries, even if they didn’t cause the accident.

Is it illegal to drive without insurance in North Dakota?

Yes, it is illegal to drive without insurance in North Dakota. According to the state’s Legislative Counsel, getting caught for driving without liability insurance during a traffic could result in the following penalties:

  • 6 points for the first occurrence, 12 points for the second occurrence within 18 month of the first occurrence
  • A license suspension if the driver accrues 12 or more points
  • SR-22 requirement for three years following a license reinstatement, which would also include a $50 reinstatement fee, a $50 marked license fee, and an optional $50 removal of marked fee

Penalties are harsher if someone is found guilty in criminal court or caused a crash, with fines and potential imprisonment.


  1. Highway Statistics 2022. U.S. Department of Transportation. (2022).

  2. Auto. North Dakota Insurance Department. (2024).

  3. 2023 Auto Insurance Cost Comparison Survey. North Dakota Insurance Department. (2023, Apr).

  4. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  5. NORTH DAKOTA VETERANS REPORT. North Dakota Labor Market Information Center. (2024, May).

  6. Top Rated U.S. Car Insurance Companies for 2024. Crash Network. (2024).

  7. Ridesourcing in Rural Communities, North Dakota Driver Survey. Mountain-Plains Consortium. (2021, Nov).

  8. Populations and People. United States Census. (2022).