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

These are the cheap auto insurance North Dakota. USAA is our top pick that offers Military discounts for as low as $12 monthly rate. Geico and State Farm has affordable rates and broad coverage.

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

Here are the tips on how to find cheap auto insurance and give a review of some of the top cheap auto insurance providers in North Dakota. To start finding your cheap auto insurance, enter your ZIP code in the provided tool above.

#1 – USAA: Top Overall Pick

Pros

• Exclusive Military Discounts – Exclusive discounts for service members and their families provide affordable vehicle protection.
• Exceptional Customer Satisfaction – Regularly praised for 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 – 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

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.
• 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 – A few people express difficulties with the effectiveness of claims processing.
• Limited Policy Customization – Less flexibility in customizing automobile coverage options results from fewer add-ons.

#3 – State Farm: Best for Broad Coverage

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 chances to save money for people looking for customized price breaks.

#4 – Nationwide: Best for Reliable Coverage

Pros

• Vanishing Deductible Program – Safe driving reduces your deductible over time, rewarding conscientious car owners.
• 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 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

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 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 may be less accessible due to limited office locations.

#6 – Farmers: Best for Personal Touch

Pros

• Highly Customizable Policies  – Somebody can customize insurance with various add-ons.
• 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  – 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

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 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 – Delays in service response times and claims processing are reported by certain policyholders.

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#8 – Allstate: Best for Comprehensive Options

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 guarantees tailored policy recommendations.

Cons

• Premiums Can Be Higher Than Competitors – Cost-conscious drivers may find it more challenging to afford rising prices.
• 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

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 insurance for various driving requirements.

Cons

• Limited Availability – Restricts access to national policy options by only operating in a few states.
• Digital Tools Are Less Advanced – Online and mobile functions aren’t as strong for smooth policy management.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Exclusive Military Discounts –  Exclusive discounts for service members and their families provide affordable vehicle protection.c
• Exceptional Customer Satisfaction – Regularly praised for 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

• Exclusive Military Discounts – Exclusive discounts for service members and their families provide affordable vehicle protection.
•  Exceptional Customer Satisfaction – Regularly praised for 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. Discover more through our Liberty Mutual auto insurance review.

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Cheap Auto Insurance in North Dakota

Finding a premium coverage yet at affordable price is quite a challenging process of selecting auto insurance. Thankfully that there are cheap auto insurance that are offering a premium coverage at a low price here on North Dakota.

North Dakota Auto Insurance Monthly Rates by Provider & Coverage Level

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

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. Start saving today by entering your ZIP code. 

Best North Dakota Car Insurance Companies

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

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.

Auto Insurance Minimum Coverage Requirements in North Dakota

Having better coverage can help ease the financial impact if you’re involved in a car accident and can’t afford to pay for medical expenses or vehicle repairs.

Road Fatalities 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

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

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

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. Enter your ZIP code to discover the best insurance options in your area.

 North Dakota’s Cheapest Auto Insurance Provider

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.

USAA, Geico and State Farm  are the top pick auto insurance provider in North Dakota. They offer discounts for military members, budget-friendly rates, and comprehensive coverage. To find the best insurance options in your area, simply enter your ZIP code.

Follow these guidelines to find the ideal insurance for your vehicle in North Dakota, ensuring affordability and safety on the roads. Enter your ZIP code to begin.