Cheap North Dakota Auto Insurance in 2024 (Big Savings With These 10 Companies!)

USAA stands out as the frontrunner among the cheap North Dakota auto insurance, providing competitive rates starting at just $12 per month for comprehensive coverage.

If you’re having trouble understanding the average cost of auto insurance, you’re not alone. North Dakota auto insurance can be confusing, but this basic guide will clear things up.

Our Top 10 Company Picks: Cheap North Dakota Auto Insurance

To buy cheap North Dakota auto insurance, make sure you shop around.

Enter your ZIP code above for free North Dakota auto insurance quotes.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#1 – USAA: Top Overall Pick

Pros

• Low Rates: Offers some of the most competitive rates for cheap North Dakota auto insurance, starting at $12 per month for comprehensive coverage. This low rate is particularly advantageous for eligible members with a strong driving record and minimal claims history.
• High Customer Satisfaction: Consistently high ratings for customer service and claims handling, with an A+ rating from A.M. Best, making it a reliable option for cheap North Dakota auto insurance. This reflects its commitment to delivering excellent support and resolving issues efficiently.
• Exclusive Benefits: Provides specialized coverage options and discounts tailored specifically for military families, offering cheap North Dakota auto insurance with benefits like deployment coverage and rental reimbursement for those stationed away from home. Find our more through our Allstate vs. USAA insurance review.

Cons

• Eligibility Restrictions: Limited to military personnel, veterans, and their families, which excludes the general public from accessing cheap North Dakota auto insurance. This can be a significant drawback for those who are not eligible but seek similar coverage benefits.
• Complex Claims Process: Some users find the claims process to be more complex compared to other providers, potentially leading to longer wait times for resolution and added frustration when seeking cheap North Dakota auto insurance.

#2 – Geico: Best for Efficient Operations

Pros

• Affordable Premiums: Known for providing some of the lowest rates for cheap North Dakota auto insurance, starting at $17 per month. This affordability is a major draw for budget-conscious consumers looking for basic yet reliable coverage.
• Efficient Online Tools: Offers a highly user-friendly online platform for managing policies and filing claims, supported by an A++ rating from A.M. Best for operational efficiency. These tools make it easy to handle cheap North Dakota auto insurance needs.
• Wide Range of Discounts: Provides various discounts, including for safe driving and bundling, which can significantly reduce premiums for cheap North Dakota auto insurance. The breadth of discount options makes Geico a versatile choice for diverse customer needs.

Cons

• Limited Personal Touch: Customer service can sometimes be impersonal, focusing more on digital interactions rather than personalized service. This might affect those seeking a more personal approach in their cheap North Dakota auto insurance experience.
• Coverage Options: May have fewer customization options compared to some competitors, potentially limiting the ability to tailor policies for cheap North Dakota auto insurance to specific needs. Read more through our Geico insurance review.

#3 – State Farm: Best for Large Network

Pros

• Extensive Network: Large network of local agents and offices across the country, ranked #3 in North Dakota for its broad reach, making it a solid choice for cheap North Dakota auto insurance. This extensive network ensures easy access to support and personalized service.
• Diverse Coverage Options: Offers a wide range of coverage types and add-ons, catering to various needs and preferences. This includes unique options like roadside assistance and rental car coverage for cheap North Dakota auto insurance.
• Strong Reputation: Established history and strong financial stability with a B rating from A.M. Best. This reliability provides peace of mind that State Farm can effectively handle claims and provide cheap North Dakota auto insurance. Delve more through our State Farm insurance review.

Cons

• Higher Rates: Premiums can be higher compared to some other insurers, with starting rates around $20 per month. This may make it less appealing for those seeking the cheapest North Dakota auto insurance rates.
• Mixed Customer Service Reviews: Some customers report less consistent service experiences, which can vary based on location and individual agents, potentially affecting overall satisfaction with cheap North Dakota auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#4 – Nationwide: Best for Competitive Rates

Pros

• Competitive Rates: Offers competitive pricing with rates starting at $21 per month for cheap North Dakota auto insurance, making it a cost-effective option for many drivers. The competitive rates are balanced with solid coverage options.
• Flexible Coverage: Provides a variety of policy options and customization, allowing drivers to tailor their insurance to specific needs for cheap North Dakota auto insurance. This flexibility is advantageous for those with unique coverage requirements.
• Reputation for Service: Strong customer service and claims handling, supported by an A+ rating from A.M. Best. This indicates reliable and responsive service for cheap North Dakota auto insurance. Find out more through our Nationwide insurance review.

Cons

• Higher Costs for Some Drivers: May not be the cheapest option for all drivers, with rates starting at $21 per month. This could be a drawback for those specifically seeking the lowest rates for cheap North Dakota auto insurance.
• Mixed Customer Feedback: Some customers experience inconsistent service quality, which may impact overall satisfaction with cheap North Dakota auto insurance.

#5 – Travelers: Best for Customizable Policies

Pros

• Customizable Policies: Provides a high degree of policy customization, allowing drivers to adjust coverage levels and add-ons to meet their specific needs for cheap North Dakota auto insurance. This flexibility helps tailor insurance to personal preferences and requirements.
• Online Tools: Strong online tools for managing policies and filing claims, supported by an A++ rating from A.M. Best for operational efficiency. These tools enhance the ease of managing cheap North Dakota auto insurance digitally.
• Good Discounts: Offers various discounts, including those for bundling and safe driving, which can help lower premiums for cheap North Dakota auto insurance. The wide range of discounts makes Travelers an attractive option for cost savings. Look for more details through our Travelers insurance review.

Cons

• Complex Pricing: Pricing can be complex and vary widely based on individual risk profiles, which might make it harder to understand and predict costs for cheap North Dakota auto insurance.
• Customer Service: Some users report less responsive customer service, potentially leading to delays or issues in resolving claims, which can affect overall satisfaction with cheap North Dakota auto insurance.

#6 – Farmers: Best for Multiple Discounts

Pros

• Multiple Discounts: Provides various discounts, including those for bundling, safe driving, and homeownership, which can significantly reduce premiums for cheap North Dakota auto insurance. These discounts add value and make insurance more affordable.
• Variety of Coverage Options: Offers a broad range of coverage types and add-ons, catering to diverse needs. This variety helps ensure comprehensive protection for cheap North Dakota auto insurance.
• Good Customer Service: Generally positive customer service experiences with attentive support from agents. This contributes to a more satisfactory insurance experience for cheap North Dakota auto insurance. Read more through our Farmers auto insurance review.

Cons

• Higher Premiums: May have higher premiums compared to some competitors, with starting rates around $30 per month. This could be a concern for those seeking the most affordable options for cheap North Dakota auto insurance.
• Inconsistent Coverage Quality: Some users report variations in coverage quality, which might affect overall satisfaction with cheap North Dakota auto insurance policies.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#7 – Progressive: Best for Online Efficiency

Pros

• User-Friendly Online Experience: Offers a strong online platform for managing policies and filing claims, supported by an A+ rating from A.M. Best for online efficiency. This makes it easier to handle cheap North Dakota auto insurance matters digitally.
• Competitive Rates: Known for competitive pricing, starting at $31 per month, and various discount opportunities for cheap North Dakota auto insurance. This makes Progressive a cost-effective option for many drivers.
• Snapshot Program: Offers usage-based insurance discounts through its Snapshot program, rewarding safe driving behavior with potential savings for cheap North Dakota auto insurance. This can be particularly beneficial for low-risk drivers. Find out more through our Progressive insurance review.

Cons

• Rates Can Vary: Premiums can fluctuate based on individual risk profiles and driving habits, which might lead to unpredictable costs for cheap North Dakota auto insurance.
• Customer Service: Some users report challenges with customer service responsiveness, which can affect the overall experience with cheap North Dakota auto insurance.

#8 – Allstate: Best for Good Discounts

Pros

• Good Discounts: Provides multiple discounts, including for safe driving, bundling, and new cars, which can help reduce premiums for cheap North Dakota auto insurance. These discounts enhance the affordability of coverage.
• Strong Network: Extensive network of agents and service centers, allowing for easy access to support and personalized service. This widespread network improves convenience for cheap North Dakota auto insurance.
• Varied Coverage Options: Offers a broad range of coverage and add-on options, including innovative coverage like accident forgiveness and new car replacement, ensuring comprehensive protection for cheap North Dakota auto insurance. Read more through our Allstate insurance review.

Cons

• Higher Premiums: Rates can be more expensive compared to some other insurers, with premiums starting around $38 per month. This may make it less attractive for those specifically looking for the cheapest North Dakota auto insurance rates.
• Inconsistent Claims Experience: Some customers report variability in the claims process, which might affect overall satisfaction with cheap North Dakota auto insurance.

#9 – American Family: Best for Customer Loyalty

Pros

• Customer Loyalty Benefits: Offers rewards for long-term customers, including potential discounts and personalized service. This loyalty program is advantageous for those seeking consistent cheap North Dakota auto insurance.
• Wide Range of Coverage: Provides a diverse array of coverage options and add-ons, allowing for tailored insurance solutions. This ensures comprehensive coverage for various needs in cheap North Dakota auto insurance.
• Good Discounts: Includes various discounts such as for bundling policies and safe driving, which can help reduce premiums. These discounts contribute to affordable rates for cheap North Dakota auto insurance. Learn more through our American Family auto insurance review.

Cons

• Higher Premiums: Premiums starting at $40 per month can be on the higher side compared to other options for cheap North Dakota auto insurance. This might be a drawback for those prioritizing the lowest costs.
• Customer Service Issues: Some customers report less satisfactory service experiences, which can impact overall satisfaction with cheap North Dakota auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

#10 – Liberty Mutual: Best for Varied Coverage

Pros

• Varied Coverage Options: Offers a wide range of coverage options and add-ons, including unique policies tailored to diverse needs. This ensures that Liberty Mutual provides comprehensive protection for cheap North Dakota auto insurance.
• Customizable Policies: Allows for a high degree of policy customization, letting drivers adjust their coverage to fit their specific requirements for cheap North Dakota auto insurance.
• Good Discounts: Provides discounts for safe driving and bundling, which can help reduce premiums for cheap North Dakota auto insurance. These discounts make the insurance more affordable. Read more through our Liberty Mutual auto insurance review.

Cons

• Higher Premiums: Premiums can be significantly higher, starting at $110 per month, which may not be ideal for those seeking the most affordable cheap North Dakota auto insurance.
• Mixed Reviews: Some customers report mixed experiences with the claims process and customer service, which might affect overall satisfaction with cheap North Dakota auto insurance.

North Dakota Auto Insurance Minimums

Optional coverage choices in ND include comprehensive auto insurance coverage, which protects against non-collision-related damages such as theft or natural disasters, and collision auto insurance coverage, which covers damages resulting from accidents with other vehicles or objects.

North Dakota Auto Insurance Monthly Rates by Coverage Level & Provider

Additional options include rental car reimbursement coverage, which helps pay for a rental car if your vehicle is being repaired after a covered incident, and roadside assistance coverage, which provides help for issues such as towing, flat tires, and dead batteries.

North Dakota is one of the twelve states that operate under what is known as the no-fault insurance system. Essentially this means that when an accident occurs, your own auto insurance company will pay out injury and medical treatment claims to you and will deal with the other insurance company on your behalf.

In most no-fault states, drivers give up the right to sue other drivers for causing accidents and injuries, and this is no different in North Dakota. If you are in an accident, regardless of who caused it, your auto insurance company is who you will deal with.

North Dakota Auto Insurance Coverage Types

State law requires drivers to purchase minimum coverage in four different auto insurance policies, which we’ll describe here. Bodily injury liability insurance covers you against the injury treatment costs of other parties when you cause an accident.

Due to North Dakota’s no-fault status, when you cause an accident, this money will be paid by the other insurance company to cover their client’s medical treatment, rehabilitation, and other expenses. The minimum amount of BIL coverage required in North Dakota is $25,000 per party per accident and $50,000 for all parties in a single accident.

Property damage liability auto insurance coverage is much like bodily injury liability, except it’s intended to cover the repair and replacement costs for the other parties’ property (including automobiles) that are damaged in an accident that you caused. A minimum of $25,000 in property damage liability is required to be considered insured in North Dakota.

Personal injury protection auto insurance coverage covers the medical treatment and injury-related costs for the policyholder and their passengers when they are in an accident – regardless of fault. If another party caused the accident, your PIP will kick in to cover any costs that exceed the ‘at fault’ party’s bodily injury liability insurance. The minimum amount of PIP coverage one can have is $30,000.

Finally, uninsured motorist coverage is much like PIP or BIL, except it protects the policyholder and their passengers from costs associated with being in an accident with another party who has no insurance. The minimum amount of UM insurance one can have is the same as BIL – $25,000 per party per accident and $50,000 for all parties in a single accident. Enter your ZIP code now to begin.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

North Dakota Driving Statistics and Information

Although the state has gone through a number of initiatives to improve traffic safety, North Dakota was one of the few states that saw an increase to the number of vehicle crashes in the most recent year for which figures are available. In 2009, the state saw a total of 17,673 crashes with 140 fatalities resulting from these accidents.

Both of these numbers increased over 2008, which saw 16,387 crashes and 104 total fatalities. To combat these numbers from rising higher, the North Dakota Department of Transportation created a new safety division in December 2009. The goal of this division will be to ensure that traffic safety remains a top priority and that citizens are compliant with the laws of the road.

Additionally, ensuring that drivers have adequate property damage liability auto insurance coverage can help mitigate the financial impact of accidents and promote responsible driving practices.

Thanks to its friendly population and location somewhat far from the coasts, auto theft numbers in North Dakota are also quite low. 2009 saw just 852 vehicles reported stolen across the entire state, which works out to a theft rate of 131.7 vehicles per 100,000 residents.

This rate was low enough to rank the state 44th overall in the nation for auto thefts and has been trending downward since the peak of 1,073 vehicles stolen in 2005. 2008 saw 902 total auto thefts, so the 2009 numbers represent a decline of around 6% year over year.

If the rates continue downward, residents of North Dakota should see their auto insurance premiums come down in cost over time as well.

Automobile Insurance Resources In North Dakota

At 4AutoInsuranceQuote.com, we believe that finding the best North Dakota auto insurance rates shouldn’t be a huge pain. To help you track down affordable comprehensive auto insurance coverage, we can compare rates for you right here.

This ensures you get the best prices and coverage tailored to your needs without the hassle. Enter your ZIP code below to compare rates and buy North Dakota auto insurance.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption