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Cheap Auto Insurance in North Dakota for 2025 (Save Money with These 10 Companies)

If you need cheap auto insurance in North Dakota. Check out USAA, Geico, and State Farm. USAA gives military families rates as low as $12/month. Geico is known for budget-friendly pricing, and State Farm offers extensive coverage options to help you find the right policy for your needs.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Apr 22, 2025

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

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Cheapest in North Dakota: USAA
4.7

Company Facts

Min. Coverage in ND

$12/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Military Discounts
  • Excellent Customer Service
  • Comprehensive Coverage
  • Affordable Rates
  • Flexible Policies
  • Eligibility Restrictions
  • Limited Availability
  • No Local Offices
2nd Cheapest in North Dakota: Geico
4.1

Company Facts

Min. Coverage in ND

$17/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Low rates for most drivers
  • Many discounts available
  • Easy online & mobile tools
  • Strong customer service
  • Nationwide availability
  • Limited local agents
  • Higher rates for high-risk drivers
  • Fewer coverage options
3rd Cheapest in North Dakota: State Farm
4.3

Company Facts

Min. Coverage in ND

$21/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive rates for good drivers
  • Large network of agents
  • Strong customer service
  • Many discounts
  • Good bundling options
  • Higher rates for high-risk drivers
  • Fewer online tools
  • Limited specialty coverage

These are the cheap auto insurance in North Dakota. USAA is our top pick that gives military families rates as low as $12/month. Geico provides affordable rates while State Farm provides broad coverage.

 

Cheap Auto Insurance in North Dakota: USAA, Geico, and State Farm

USAA, Geico, and State Farm are the top providers of cheap auto insurance in North Dakota, thanks to their cheap rates you can enjoy military discounts, affordable rates, and broad coverage.

Our Top 10 Company Picks: Cheap Auto Insurance in North Dakota

CompanyRankMonthly RatesA.M. BestBest ForJump to Pros/Cons
USAA: Cheap Auto Insurance in North Dakota#1$12A++Military FocusUSAA
Geico: Cheap Auto Insurance in North Dakota#2$17A++Affordable RatesGeico
State Farm: Cheap Auto Insurance in North Dakota#3$21BBroad CoverageState Farm
Nationwide: Cheap Auto Insurance in North Dakota#4$22A+Reliable ServiceNationwide
Travelers: Cheap Auto Insurance in North Dakota#5$24A++Innovative SolutionsTravelers
Farmers: Cheap Auto Insurance in North Dakota#6$30A+Personal TouchFarmers
Progressive: Cheap Auto Insurance in North Dakota#7$31A+Tech InnovationProgressive
Allstate: Cheap Auto Insurance in North Dakota#8$38A+Comprehensive OptionsAllstate
American Family: Cheap Auto Insurance in North Dakota#9$40AFamily OrientedAmerican Family
Liberty Mutua: Cheap Auto Insurance in North Dakota#10$110ACustomizable PoliciesLiberty Mutual

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Here are tips on how to find cheap auto insurance and a review of some of the top providers in North Dakota.

Can't-Miss Facts

  • USAA, Geico, and State Farm are the top providers of cheap auto insurance in Vermont
  • USAA offers military discounts for $12 monthly rate
  •  Geico offers affordable rates and State Farm provide broad coverage

Table of Contents

Not sure which auto insurance plan fits you best in North Dakota? Enter your ZIP code to find cheap auto insurance deals near you.

#1 – USAA: Top Overall Pick

USAA: Cheap Auto Insurance in North Dakota

Pros

  • Exclusive Military Discounts: Exclusive discounts for service members and their families provide affordable vehicle protection.
  • Exceptional Customer Satisfaction: Regularly praised for offering cheap auto insurance in Vermont, with  customized car coverage and excellent claims assistance.
  • Affordable Rates for All Coverage Levels: Affordable pricing on all policy options guarantees wise financial protection for your vehicle.

Cons

  • Membership Restrictions: Certain providers of cheap auto insurance in Vermont exclusively offered to military personnel and their families, restricting access to affordable policies.
  • Limited Physical Branches: According to our USAA auto insurance review, fewer in-person service centers make in-depth insurance consultations less accessible.

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#2 – Geico: Best for Affordable Rates

Geico: Cheap Auto Insurance in North Dakota

Pros

  • Budget-Friendly Pricing: Famous for offering some of the cheapest rates in the market, which has led to the widespread availability of affordable auto insurance.
  • Easy-to-Use Mobile App: A smooth digital interface enables fast policy updates and straightforward claims monitoring, making it easier to manage your cheap auto insurance in Vermont.
  • Diverse Discount Options – Discounts for safe drivers and military personnel and bundling options make it a top choice for budget-friendly coverage. To understand better, read our, Geico auto insurance review.

Cons

  • Inconsistent Customer Service: Some people report difficulties with claims processing for cheap auto insurance in Vermont, leading to frustrations for drivers seeking quick resolutions.
  • Limited Policy Customization: Less flexibility in customizing automobile coverage options results from fewer add-ons.

#3 – State Farm: Best for Broad Coverage

State Farm: Cheap Auto Insurance in North Dakota

Pros

  • Strong Local Agent Network: Access to a national network of agents offers knowledgeable guidance on auto insurance.
  • Comprehensive Policy Add-Ons: Customized driving protection is possible with options like ridesharing insurance and rental reimbursement. See more of it by reading our, State Farm auto insurance review.
  • Financially Stable and Trusted:  Long-term security and dependable policy payouts are guaranteed by a solid reputation.

Cons

  • Rates May Be Higher for High-Risk Drivers:  Some drivers may have less affordable premiums, which would impact the affordability of insurance coverage.
  • Limited Discount Variety: Fewer opportunities to save money for those seeking customized price breaks with cheap auto insurance in Vermont.

#4 – Nationwide: Best for Reliable Coverage

Nationwide: Cheap Auto Insurance in North Dakota

Pros

  • Vanishing Deductible Program: Safe driving reduces your deductible over time, rewarding conscientious car owners with lower rates for cheap auto insurance in Vermont.
  • Firm Accident Forgiveness Policy: Helps maintain stable auto insurance rates by preventing rate increases following small events. To see more, read our Nationwide auto insurance review.
  • Excellent Home and Auto Bundling Discounts: Significant savings provide all-encompassing financial relief when several plans are combined.

Cons

  •  Higher Premiums Compared to Budget Insurers: Not all prices for cheap auto insurance in Vermont are the most competitive, which affects affordability for drivers on a tight budget.
  • Limited Availability of Local Agents: Not all prices are the most competitive, which affects affordability for drivers on a tight budget.

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#5 – Travelers: Best for Innovative Solutions

Travelers: Cheap Auto Insurance in North Dakota

Pros

  • Extensive Optional Coverages: Provides solutions for personalized policy protection, like gap insurance and new automobile replacement. For more information, read our Travelers auto insurance review.
  • IntelliDrive Program for Safe Drivers: Keeps track of driving patterns to offer tailored savings, encouraging wise decisions about vehicle insurance.
  • Strong Financial Stability: Traveler’s reputable name in cheap auto insurance in Vermont guarantees dependable claims handling.

Cons

  • Usage-Based Discounts May Not Suit Everyone: Reckless driving may result in higher rates, impacting the predictability of premiums.
  • Fewer Physical Branches: In-person policy support for cheap auto insurance in Vermont may be less accessible due to limited office locations.

#6 – Farmers: Best for Personal Touch

Farmers: Cheap Auto Insurance in North Dakota

Pros

  • Highly Customizable Policies: With cheap auto insurance in Vermont, you can customize your coverage by adding various add-ons, allowing you to tailor your policy to fit specific needs and budget preferences.
  • Strong Local Agent Support: A hands-on approach ensures customer-focused vehicle insurance experiences.
  • Great Bundling Discounts: A way to achieve more financial flexibility is by combining policies. Check more on our Farmers auto insurance review.

Cons

  • Higher Premiums for Basic Coverage: Farmer’s is one of the cheapest auto insurance in Vermont is not usually the most economical option for people who value small monthly installments.
  • Lacks Advanced Online Tools: Because digital resources aren’t as smooth, tracking claims and implementing policy changes are more complex

#7 – Progressive: Best for Tech Innovation

Progressive: Cheap Auto Insurance in North Dakota

Pros

  • Snapshot Program Rewards Safe Drivers: Reinforces reward-based policy structures by providing premium reductions for safe driving.
  • Name Your Price Tool: Allows policyholders to customize their premiums flexibly, according to their budget. Discover how it works through our Progressive auto insurance review.
  • Strong Online and Mobile Experience: A technologically advanced platform  for cheap auto insurance in Vermont guarantees convenient insurance management.

Cons

  • High-Risk Drivers May Face Rate Increases: Driving behavior may cause pricing to rise, making cost predictability unpredictable.
  • Mixed Customer Service Reviews: Some policyholders report delays in service response times and claims processing when dealing with cheap auto insurance in Vermont.

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#8 – Allstate: Best for Comprehensive Options

Allstate: Cheap Auto Insurance in North Dakota

Pros

  • Wide Range of Policy Add-Ons: Complete auto protection enhanced by special coverages like accident forgiveness.
  • Drivewise Program for Personalized Discounts: Dynamic rate changes directly result from safe driving practices.
  • Large Local Agent Network: A broad presence in Vermont allows providers to offer personalized recommendations for cheap auto insurance, helping drivers find the best rates for their needs.

Cons

  • Premiums Can Be Higher Than Competitors: Cost-conscious drivers in Vermont may find it more challenging to afford rising prices for cheap auto insurance.
  • Some Discounts Require Monitoring Programs: Based on our Allstate auto insurance review. enrollment in tracking-based driving behavior assessments can be necessary to save money.

#9 – American Family: Best for Family Oriented

American Family: Cheap Auto Insurance in North Dakota

Pros

  • Teen Driver and Multi-Car Discounts: Affordable household coverage is encouraged by family-friendly pricing. Find out more by reading our American Family auto insurance  review.
  • Great Home and Auto Bundling Options: Cost-effective insurance solutions are produced by combining policies.
  • Highly Customizable Policies: Flexible plans offer customized, cheap auto insurance in Vermont, designed to meet various driving requirements while ensuring affordability.

Cons

  • Limited Availability: Restricts access to national policy options by only operating in a few states, limiting cheap auto insurance choices in Vermont.
  • Digital Tools Are Less Advanced: Online and mobile functions aren’t as strong for smooth policy management.

#10 – Liberty Mutual: Best for Customizable Policies

Liberty Mutual: Cheap Auto Insurance in North Dakota

Pros

  • Exclusive Military Discounts: Exclusive discounts for service members and their families provide affordable vehicle protection. Discover more through our Liberty Mutual auto insurance review.
  • Exceptional Customer Satisfaction: Regularly praised for offering cheap auto insurance in Vermont, with customized car coverage and excellent claims assistance.
  • Affordable Rates for All Coverage Levels: Affordable pricing on all policy options guarantees wise financial protection for your vehicle.

Cons

  • Premiums Can Be Higher: Liberty Mutual tends to have higher premiums, especially for drivers seeking basic coverage or more affordable rates.
  • Inconsistent Customer Service: Some customers have expressed dissatisfaction with service, especially in handling claims, despite cheap auto insurance options in Vermont.

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Affordable North Dakota Car Insurance Costs and Discounts

Finding premium coverage at an affordable price is quite a challenging process of selecting auto insurance. Thankfully, there are cheap auto insurance companies offering premium coverage at a low price here in North Dakota.

North Dakota Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Cheap Auto Insurance in North Dakota$38$136
American Family: Cheap Auto Insurance in North Dakota$40$145
Farmers: Cheap Auto Insurance in North Dakota$30$107
Geico: Cheap Auto Insurance in North Dakota$17$61
Liberty Mutua: Cheap Auto Insurance in North Dakota$110$398
Nationwide: Cheap Auto Insurance in North Dakota$22$77
Progressive: Cheap Auto Insurance in North Dakota$31$110
State Farm: Cheap Auto Insurance in North Dakota$21$76
Travelers: Cheap Auto Insurance in North Dakota$24$88
USAA: Cheap Auto Insurance in North Dakota$12$44

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This car insurance guide will help you compare monthly rates from various providers and coverage options in North Dakota. It also highlights the discounts offered by the top providers in the region.

Auto Insurance Discounts From the Top Providers in North Dakota

Insurance CompanyAvailable Discounts
Allstate: Cheap Auto Insurance in North DakotaSafe Driving Club, Anti-Theft, Multi-Policy, Smart Student, Responsible Payer, Drivewise
American Family: Cheap Auto Insurance in North DakotaLoyalty, Multi-Policy, Safe Driving, Teen Driver, Early Bird, Good Student, Generational
Farmers: Cheap Auto Insurance in North DakotaSafe Driver, Multi-Policy, Good Student, Bundling, Signal App, Alternative Fuel Vehicle
Geico: Cheap Auto Insurance in North DakotaMulti-Policy, Safe Driver, Good Student, Emergency Deployment, Anti-Theft System, New Vehicle
Liberty Mutua: Cheap Auto Insurance in North DakotaMulti-Policy, Good Student, Hybrid Vehicle, Accident-Free, Military, Newly Married Discounts
Nationwide: Cheap Auto Insurance in North DakotaMulti-Policy, Safe Driver, Paperless, Anti-Theft, SmartRide, Affinity Discounts
Progressive: Cheap Auto Insurance in North DakotaMulti-Policy, Snapshot, Continuous Insurance, Homeownership, Teen Driver, Good Student
State Farm: Cheap Auto Insurance in North DakotaSafe Driver, Multi-Policy, Steer Clear, Drive Safe & Save, Good Student, Defensive Driving Course
Travelers: Cheap Auto Insurance in North DakotaMulti-Policy, Safe Driver, Hybrid/Electric Vehicle, Continuous Insurance, New Vehicle, Home Ownership
USAA: Cheap Auto Insurance in North DakotaSafe Driver, Multi-Policy, Vehicle Storage, New Vehicle, Military Installation, Loyalty, Good Student

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This guide will help you understand how to lower your car insurance premiums and save on auto insurance rates while still meeting your vehicle’s requirements and needs.

North Dakota Auto Insurance Coverage Options

With so many car insurance companies available, selecting the right one to protect you and your family can be challenging.

North Dakota Auto Insurance Monthly Rates by Provider

Insurance CompanyRates
Allstate: Cheap Auto Insurance in North Dakota$135
American Family: Cheap Auto Insurance in North Dakota$128
Farmers: Cheap Auto Insurance in North Dakota$120
Geico: Cheap Auto Insurance in North Dakota$110
Liberty Mutua: Cheap Auto Insurance in North Dakota$140
Nationwide: Cheap Auto Insurance in North Dakota$130
Progressive: Cheap Auto Insurance in North Dakota$115
State Farm: Cheap Auto Insurance in North Dakota$125
Travelers: Cheap Auto Insurance in North Dakota$122
USAA: Cheap Auto Insurance in North Dakota$105

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While you may choose a car insurance company strictly based on rates, it could be wise to read about why a car insurance company has low rankings or why they are ranked off the charts.

Read more: Compare cheap auto insurance in North Dakota

Auto Insurance Minimum Coverage Requirements in North Dakota

CoverageLimits
Bodily Injury Liability (per person)25000 per person /
$50,000 per accident
Property Damage Liability25000 per accident
Uninsured/Underinsured Motorist Bodily Injury (per person)25000 per accident /
$50,000 per accident
Uninsured/Underinsured Motorist Property Damage25000 per accident

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Better coverage can reduce the financial impact of a car accident, helping with medical bills and vehicle repairs.

Factors Affecting Car Insurance Rates in North Dakota

Road fatalities can occur for various reasons, including weather conditions, traffic accidents, and different crash types involving individuals. Each of these factors contributes to the overall risk of fatal accidents on the road.

North Dakota Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Traffic DensityALow population, minimal traffic
Vehicle Theft RateALow theft rate statewide
Average Claim SizeBModerate repair and medical costs
Weather-Related RisksCHailstorms and harsh winters common

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To minimize the risk of fatal accidents, it’s important to drive safely and stay prepared for unexpected situations.

Better coverage can reduce the financial impact of a car accident, helping with medical bills and vehicle repairs.

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Car Insurance Coverage Options in North Dakota

All drivers in North Dakota must have at least the minimum liability insurance coverage. However, car insurance companies may offer discounts if you have coverage that exceeds the state’s minimum requirements.

Auto Insurance Minimum Coverage Requirements in North Dakota

CoverageLimits
Bodily Injury Liability (per person)25000 per person /
$50,000 per accident
Property Damage Liability25000 per accident
Uninsured/Underinsured Motorist Bodily Injury (per person)25000 per accident /
$50,000 per accident
Uninsured/Underinsured Motorist Property Damage25000 per accident

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Opting for higher coverage only adds a few hundred dollars to your annual premium, which means you could pay as little as $20 or less per month for your car insurance.

North Dakota Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Traffic DensityALow population, minimal traffic
Vehicle Theft RateALow theft rate statewide
Average Claim SizeBModerate repair and medical costs
Weather-Related RisksCHailstorms and harsh winters common

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Having better coverage can ease the financial burden if you’re involved in a car accident in the future and can’t afford the additional medical expenses or vehicle repair costs.
Cheap Auto Insurance in North Dakota: Bodily Injury Liability Definition Card

 North Dakota’s Cheapest Auto Insurance Providers

Finding the best North Dakota auto insurance that fits your needs should be much easier if you better understand how auto insurance works and what factors to consider.

Cheap Auto Insurance in North Dakota: USAA Site Screenshot USAA, Geico, and State Farm are the top auto insurance providers in North Dakota. They offer discounts for military members, budget-friendly rates, and comprehensive coverage.

To get the best deal on auto coverage, it’s essential to understand each company’s top offerings and the most competitive rates for cheap auto insurance in North Dakota.

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Follow these guidelines to find the ideal insurance for your vehicle in North Dakota, ensuring affordability and safety on the roads. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheap auto insurance in North Dakota.

Frequently Asked Questions

What factors make USAA the top overall auto insurance provider in North Dakota?

USAA is ranked as the top overall provider in North Dakota due to its competitive rates, military discounts, and strong customer service tailored for military members.

How does Geico’s reputation for affordable rates compare to its competitors?

Geico offers affordable rates but may lack some of the comprehensive coverage options found in competitors like State Farm or Allstate, potentially affecting its overall value. Enter your ZIP code to compare auto insurance rates and see if Geico is the best choice for you.

How does the military discount offered by USAA impact auto insurance for eligible members in North Dakota?

USAA’s military discount significantly lowers premiums for service members and their families, making it one of the most affordable options for eligible individuals seeking cheap auto insurance in North Dakota.

What are the advantages and disadvantages of State Farm?

State Farm’s broad coverage includes extensive options that provide protection for various scenarios. However, its rates may be higher compared to more budget-friendly providers like Geico, which makes it a top pick for North Dakota auto insurance.

What innovative solutions does Travelers offer?

Travelers offers innovative solutions, such as customizable coverage options and tools for managing policies digitally, that set it apart from more traditional insurers like State Farm in North Dakota. Enter your ZIP code to explore personalized insurance rates and options.

What are the differences in coverage between Nationwide, Progressive, and Allstate?

Nationwide’s reliable coverage focuses on consistent and dependable service. At the same time, companies like Progressive and Allstate provide more tech-driven or comprehensive options, making them top choices for affordable auto insurance in North Dakota.

Read more: Compare Auto Insurance Companies

How do auto insurance rates vary based on the coverage level in North Dakota?

Auto insurance rates in North Dakota can vary significantly based on coverage levels, with higher coverage typically increasing monthly premiums by a few hundred dollars annually, affecting the choice of insurance provider.

What are the minimum coverage requirements for auto insurance in North Dakota?

North Dakota’s minimum coverage requirements include liability insurance for bodily injury and property damage. However, drivers may benefit from higher coverage for additional protection, which can lower financial risks in case of accidents. Enter your ZIP code to compare coverage options and find the best plan for your needs.

How do road fatalities and accident rates in North Dakota influence the need for higher auto insurance coverage?

Road fatalities in North Dakota highlight the importance of higher auto insurance coverage. Accidents in the state can result in costly medical bills and vehicle repairs, emphasizing the need for comprehensive and collision coverage options.

What steps can drivers in North Dakota take to maximize their auto insurance discounts?

Drivers in North Dakota can lower their insurance premiums by taking advantage of discounts for safe driving, bundling policies, or choosing higher deductibles, while ensuring they meet state coverage requirements for affordable auto insurance in North Dakota.

Free Auto Insurance Comparison

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