Updated: November 18, 2024
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The best overall car insurance company in North Dakota according to MoneyGeek is American Family. Those seeking minimum coverage may find Grinnell Mutual scores highest, while Nationwide ranks best for families with teen drivers.
MoneyGeek also analyzed the cheapest car insurance in North Dakota, if price is your primary concern, notwithstanding service quality.
Best Car InsuranceNorth DakotaBest Car Insurance in North Dakota
Why Trust MoneyGeek? We created an insurance scoring system for providers in North Dakota based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in North Dakota.
American Family emerges as the premier car insurance provider in North Dakota with a top MoneyGeek score of 88 out of 100. Across the evaluated insurers, MoneyGeek scores span from 88 to 60. Remember, though, that these figures are part of MoneyGeek's baseline scoring system, and scores may vary for different driver profiles.
How does MoneyGeek score companies?
When assessing insurance options, overall MoneyGeek scores prioritize customer satisfaction and affordability, placing significant emphasis on claims experience and offered coverages. These criteria are of utmost importance in determining a well-rounded evaluation of insurance providers, ensuring consumers are well informed about their potential insurer’s quality and value.
Within the analysis, it is noted that certain insurers, like Nodak Mutual, are lacking a complete set of data necessary to receive a MoneyGeek score. While not able to be fully evaluated on all five scoring components, Nodak Mutual stands out in customer satisfaction within North Dakota.
| American Family | 88 | $646 |
| Nationwide | 82 | $693 |
| Auto-Owners Insurance Co | 79 | $1,029 |
| Grinnell Mutual | 79 | $1,062 |
| GEICO | 79 | $750 |
| Progressive | 72 | $966 |
| State Farm | 71 | $1,064 |
| Farmers | 68 | $1,082 |
| Allstate | 60 | $1,219 |
| Nodak Mutual | No Data | $777 |
MoneyGeek found that American Family is the best option in North Dakota for drivers seeking the best full coverage car insurance, with a top MoneyGeek score and competitive annual premiums. Here is how American Family compares with Nationwide, the runner-up:
American Family stands out in North Dakota with exceptional coverage options and a superior customer satisfaction record, reflecting in its high MoneyGeek score. Its competitive pricing further asserts its position, offering a balance of quality service and affordability.
In North Dakota, a diverse range of companies offer insurance options accommodating various cost and service preferences. For drivers focusing on economy, MoneyGeek also analyzed the companies providing the cheapest full coverage car insurance in North Dakota, helping you find reliable coverage without overstretching your budget.
Ranks well in general customer satisfaction.
Ranks well in claims handling.
Ranks No. 1 for cost.
Offers rare coverages like OEM coverage.
Ranks No. 1 for key coverages.
Doesn't excel in customer service.
Highly regarded for its exceptional coverage and claims handling, American Family leads with impressive MoneyGeek scores that ensure customer satisfaction. Both common coverages rental car and/or travel reimbursement and roadside assistance are featured, solidifying its position as a strong choice for consumers.
Adding to its prowess, the availability of accident forgiveness and gap insurance as reasonably common coverages further elevates its appeal, making it an excellent option despite any perceived shortcomings in coverage options. American Family stands out with valuable rare coverages like OEM coverage, which is applicable to many drivers, ensuring cars are repaired with factory-original parts.
Additionally, gap insurance covers the loan or lease balance if your car is totaled. Accident forgiveness, another reasonably common coverage, prevents premium increases after your first at-fault accident. With a near-perfect satisfaction score of 31 (out of 35), high marks in affordability at 30 (out of 30), claims handling at 14 (out of 20) and a full coverage score of 10 (out of 10), American Family not only delivers extensive protection but also customer contentment and financial advantage.
MoneyGeek found that Auto-Owners is the best option in North Dakota for customer service in car insurance.
Auto-Owners stands out notably due to its superior claims handling score and remarkable stability in the market. Despite a slightly higher price, Auto-Owners offers a more consistent service experience, indicating that customers may find considerable value in their overall service.
In North Dakota, the panorama of car insurance companies features a diverse range of customer satisfaction and claims processing experiences. Outstanding customer service and effective claims resolution are crucial because they ensure that customers feel supported, especially during high-stress periods following an accident or loss. Reliable customer service and claims handling can significantly enhance customer loyalty and trust, which is essential for any insurance company's reputation and longevity.
Ranks No. 2 in claims handling.
Offers rare coverages like diminished value and deductible modification.
Ranks well for key coverages.
Does not excel in customer service with a score of 39.
Does not offer OEM coverage.
With its high satisfaction (39 out of 45) and claims handling (26 out of 30) scores, Auto-Owners garners a commendable MoneyGeek score. Although it boasts common coverages like roadside assistance and rental car and/or travel reimbursement, the absence of popular options, such as accident forgiveness, is noticeable.
Among the offerings, gap insurance is particularly valuable for new car owners, protecting against the financial disparity between the vehicle's value and the loan amount in case of total loss. The personal automobile plus package simplifies the protection plan with a suite of benefits. Deductible modification further solidifies this insurer's appeal by waiving the collision deductible under specific conditions, providing added financial relief during accidents.
MoneyGeek found that Grinnell Mutual is the best option in North Dakota for drivers seeking minimum coverage car insurance.
Grinnell Mutual stands out as the top car insurance provider in North Dakota, with its high scores in customer satisfaction and affordability. Despite a slightly higher annual premium, Grinnell Mutual's overall quality and balance of service make it the preferable choice, offering the minimum insurance required by law in North Dakota for just $353 annually.
While many insurers in North Dakota offer cheap minimum coverage, drivers should be aware that opting for the least expensive policy generally means less protection. Minimum coverage may not fully cover the costs associated with an accident, potentially leaving drivers with significant out-of-pocket expenses.
Offers reasonably rare personal property insurance.
Provides top-ranked claims handling.
Lacks multiple car and safe driving discounts.
Ranks No. 7 for cost.
Does not excel in customer service.
Grinnell Mutual leads with exemplary affordability and claims handling scores, pivotal in attaining a distinguished MoneyGeek score of 85. Its robust offerings ensure drivers pay an average annual premium of just $353, underscoring exceptional value for coverage. It offers pay in full and anti-theft system discounts, which are reasonably common yet beneficial for budget-conscious policyholders.
Grinnell Mutual's discount repertoire is impressive, incorporating all four common discounts — bundling, good student, multiple car and safe driving — illustrating a comprehensive approach to providing value to its customers. In addition, its early signing discount rewards drivers who are proactive with their policy decisions, offering savings for those who sign up early.
The homeowners discount is another boon for policyholders, offering added savings even if the home is insured elsewhere. Grinnell Mutual boasts a remarkable affordability score of 33 (out of 40) and excels in claims handling with a score of 20 (out of 20) as well as a satisfaction score of 23 (out of 25), coverage score of 6 (out of 10) and stability score of 3 (out of 5).
MoneyGeek found that driver age is a decisive factor affecting car insurance rates in North Dakota. Nationwide emerges as the best car insurance option for teens, with a well-rounded score of 84, emphasizing affordability with an average annual premium of $881. American Family stands out for young adults with a top score of 88 and a competitive annual premium of $746. Similarly, it is the preferred choice for seniors, scoring 88 and offering an annual rate of $579. These companies excel in balancing cost, customer satisfaction and available coverages tailored to the specific age group.
Best for teens: Nationwide
Best for seniors: American Family
Best for young adults: American Family
MoneyGeek found that Nationwide is the best option in North Dakota for car insurance for teens.
Nationwide stands out due to its excellent balance of affordability and customer satisfaction. These components significantly contribute to the overall high MoneyGeek score, making Nationwide an attractive choice for consumers. It's important to note that obtaining cheap car insurance for a teen in North Dakota is typically more economical when adding them to a family policy rather than securing an individual policy for the teenager.
Adding a teen to a car insurance policy in North Dakota, as in other states, is more expensive due to teens' inexperience behind the wheel. This inexperience increases the risk of accidents, which in turn, drives up insurance premiums. Insurance companies assess this risk through statistics that indicate a higher likelihood of teens being involved in traffic incidents compared to more experienced drivers.
Offers good student discount.
Ranks No. 1 for cost.
Ranks No. 2 for claims handling.
Does not excel in customer service (ranks No. 7).
With a notable MoneyGeek score of 84, Nationwide's excellent coverage score of 10 (out of 10) and affordability score of 30 (out of 30) are key factors in its high rankings. The company offers a comprehensive good student discount, a perk for families with teens. Eligible students maintaining a "B" average or better can enjoy savings, creating an incentive for academic excellence.
For added peace of mind, Nationwide offers identity theft coverage, a rare and widely applicable coverage to protect against the growing threat of identity fraud. Furthermore, total loss deductible waiver is another rare coverage that provides financial ease in the unfortunate event of a total loss, making sure that losing your vehicle doesn't mean huge out-of-pocket costs. These targeted coverages, along with Nationwide's robust discount offerings, make it a strong choice for discerning auto insurance customers.
MoneyGeek found that American Family is the best option for car insurance for seniors in North Dakota.
American Family stands out mainly due to its strong satisfaction and affordability scores, which are pivotal in its MoneyGeek rating's composition. For seniors seeking a balance between cost and quality in North Dakota, this provider proves to be the forerunner with an annual premium of $577.
Car insurance for seniors in North Dakota is budget-friendly compared to the rates often assumed for this demographic. Cheap car insurance for a senior in North Dakota does not necessarily indicate a sacrifice in quality. While premiums for seniors in their 60s are comparable to those of middle-aged drivers, it's noteworthy that individuals in their 70s and 80s may experience higher rates, reflecting the nuanced pricing across age groups with utmost respect to their specific needs and circumstances.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 1 for cost.
Offers accident forgiveness and gap insurance.
Offers rare coverages like OEM coverage.
Ranks No. 3 for customer satisfaction.
Ranks No. 3 for claims handling.
American Family stands out with exceptional affordability and coverage, scoring 30 (out of 30) and 10 (out of 10), respectively, significantly contributing to its high overall MoneyGeek score of 88. Offering both roadside assistance and rental car/travel reimbursement, American Family ensures you're well-supported in an accident. With an average annual premium of $577, American Family proposes reasonably common discounts, including an automatic payment discount, but does not provide a senior discount.
Whether you're on a road trip or in your daily commute, American Family's roadside assistance ensures peace of mind if your car breaks down — assistance is just a call away. And if your vehicle needs repairs, rental car/travel reimbursement coverage helps manage the inconvenience. Perfect for seniors or any driver who values comprehensive protection and services, American Family's coverages, coupled with a high satisfaction score of 31 (out of 35), make it an appealing choice.
MoneyGeek found that American Family is the best option in North Dakota for car insurance for young adults, boasting a MoneyGeek score that highlights its commitment to satisfaction, affordability, claims handling and coverage.
American Family stands out primarily due to its high satisfaction score and its exceptional affordability when compared to other providers. Data shows that for drivers in their 20s, American Family not only offers competitive annual premiums but also excels in the key areas that contribute to a high MoneyGeek score.
Securing a policy from American Family will likely cost about $744 annually, a figure that underscores the challenge of finding cheap car insurance for a young adult in North Dakota, as these premiums tend to be higher than those for older, more experienced drivers.
Young adults face higher premiums due to a number of risk factors, including inexperience, higher likelihood of engaging in risky driving behaviors and a greater statistical chance of being involved in accidents. These considerations are reflected in car insurance pricing not only in North Dakota but across many states.
Ranks No. 1 for cost.
Offers good student and distant student discounts.
Doesn't excel in customer service.
American Family's exceptional affordability and coverage offerings significantly contribute to its high MoneyGeek score of 88. The company offers key discounts for young drivers, including good student and distant student, mitigating the need for a driver's education discount. American Family boasts the two most common car insurance coverages: roadside assistance and rental car and/or travel reimbursement.
American Family ensures that customers benefit from comprehensive insurance with both rare and common coverages. Its OEM coverage is a standout rare coverage, widely applicable and ensures that in case of repairs, only original parts from the car's manufacturer will be used, keeping the car closer to its original condition and value. Accident forgiveness is a reasonably common coverage that protects your rates from increasing after your first at-fault accident.
Gap insurance is another valuable addition for new car owners, covering the difference between the vehicle's depreciated value and the amount you still owe on it in the event of a total loss. Providing thorough protection and value, American Family's high satisfaction score of 31 (out of 35), affordability score of 30 (out of 30) and claims handling score of 14 (out of 20) round out its comprehensive offering to customers seeking reliable car insurance.
MoneyGeek found that American Family is the best option in North Dakota for drivers with driving offenses seeking car insurance.
American Family stands out in North Dakota due to its strong performance across multiple categories, including satisfaction, affordability and claims handling, all of which are significant contributors to the MoneyGeek score. The company's annual premium for drivers with offenses is $724, indicating that for cheap car insurance as a high risk driver in North Dakota, you will likely pay somewhat more compared to standard risk profiles.
Car insurance premiums tend to be higher for individuals with a ticket, at-fault accident or DUI on their record in North Dakota and other states. This increase reflects the greater risk insurers assume when covering drivers who have demonstrated a propensity for driving offenses, which statistics show are more likely to file future claims.
Ranks well for general customer satisfaction.
Ranks first for cost.
Offers roadside assistance and rental car/travel reimbursement.
Offers accident forgiveness and gap insurance.
Does not excel in customer service.
Ranks third for claims handling.
Lacks rare coverages, such as OEM coverage.
American Family clinches a remarkable MoneyGeek score, owing to its outstanding affordability and satisfaction ratings, boasting 30 (out of 30) and 32 (out of 35), respectively. Notably, the company extends a comprehensive suite of common coverages: roadside assistance and rental car and/or travel reimbursement, as well as reasonably common options, such as accident forgiveness and gap insurance. These offerings particularly benefit drivers with an imperfect record, cushioning the financial impact of future mishaps.
For individuals with a less-than-stellar driving past, American Family’s extensive coverage, such as accident forgiveness, can prevent premium surges after an at-fault accident. Gap insurance becomes invaluable in the event of a total loss by covering the difference between a car's actual value and the remaining loan balance. Additionally, roadside assistance provides peace of mind for unexpected breakdowns, and the rental car and/or travel reimbursement ensures sustained mobility during vehicle repairs.
MoneyGeek found that Farmers is the best option in North Dakota for new drivers seeking car insurance, thanks to its outstanding MoneyGeek score and competitive premiums. Below are the top two providers:
Farmers stands out not only for its near-perfect score but also because MoneyGeek filtered out insurers without new car replacement and/or better car replacement coverages — essential features for those with new vehicles. The MoneyGeek score is heavily influenced by high satisfaction and claims handling scores, implying a reliable customer experience and efficient claims service.
With Farmers, drivers could save significantly in case of an accident. Though the premium might be on the higher side, at $1,442 annually, it's a worthwhile investment. This is because, without valuable coverages, drivers would have to face potentially higher out-of-pocket expenses post-accident.
Ranks well for general customer satisfaction.
Ranks well for claims handling.
Leads as most cost-effective.
Does not excel in customer service.
Does not offer gap insurance.
Farmers leads the pack with a stellar MoneyGeek score, fortifying its position through exceptional satisfaction and affordability, both pivotal factors in its ranking. While the company doesn't offer new car replacement or better car replacement as optional add-ons, it ensures competitive pricing for a broad customer base.
As a driver with a new car, coverages beyond the basics are worth considering. Although Farmers does not specifically offer new car replacement or better car replacement, its top scores in satisfaction (35 out of 35) and affordability (30 out of 35) reflect a strong commitment to customer contentment and value.
These attributes are important when insuring a new vehicle, as they demonstrate a company's dedication to addressing claims effectively and providing financially manageable policies. With a perfect coverage score (10 out of 10), Farmers shows that its policy options can cater to diverse needs.
MoneyGeek found that USAA is the best option in North Dakota for car insurance tailored to military members, scoring the highest among competitors.
USAA is an excellent choice for those with a military background in North Dakota. USAA's leading position can be attributed to its mix of high satisfaction and claims handling scores. Notably, its services cater specifically to current and former military members and their families, making it an exclusive yet highly relevant provider for this group.
With an annual premium of $472, USAA offers an impressive balance of cost and quality service. For individuals who prioritize saving money, the cheapest car insurance in North Dakota for military drivers might also be an option worth exploring.
Ranks No. 1 in general customer satisfaction.
Ranks No. 1 for affordability.
Offers roadside assistance and rental car/travel reimbursement.
Does not excel in customer service with a score of 35.
USAA stands out with a MoneyGeek score particularly bolstered by exceptional satisfaction and affordability ratings. Exclusively serving military families, USAA offers a unique blend of value with an average annual premium of $472.
USAA ensures peace of mind on the road by offering rare coverages like accident forgiveness, where loyalty and a safe driving record for five years can prevent rates from increasing after your first at-fault accident. It also provides common coverages, including roadside assistance, for those moments when you need a helping hand with towing or a jump-start.
Additionally, rental car and/or travel reimbursement is available, ensuring you’re not stranded while your vehicle is being repaired. These offerings reflect USAA's scores of 35 (out of 35) in satisfaction and 30 (out of 30) in affordability — evidence of its commitment to providing exceptional service and value to those who have served the country.
In North Dakota, the premier car insurance companies stand out for their perfect balance of affordability, consistent financial strength and a solid history of exemplary customer service. MoneyGeek has rigorously analyzed these aspects to guide you. If you wish to personally delve into the research, it's crucial to undertake at least four specific steps to ensure a comprehensive understanding and make an informed decision.
In North Dakota, exceptional customer service is important for a car insurer's success. Consumers are encouraged to utilize independent evaluators like JD Power and the NAIC to scrutinize insurers' performance records. Auto-Owners distinguishes itself with a MoneyGeek customer satisfaction score of 39 (out of 45) and claims handling score of 26 (out of 30), securing the top position for service in North Dakota.
Comparing quotes is essential for North Dakotans seeking to economize on car insurance without compromising on service. Personal research is vital to identify the most cost-effective option, as premiums can vary based on individual profiles. MoneyGeek's research identifies Grinnell Mutual as the leader for minimum coverage, offering an annual premium of $353.
The breadth of coverages provided by car insurers is a pivotal consideration. Prospective buyers should meticulously research to ensure their chosen insurer offers coverages aligning with their needs. According to MoneyGeek, American Family is the sole insurer offering a complete suite of key coverages with a perfect score of 10, including rental car and travel reimbursement, roadside assistance, gap insurance and OEM coverage.
Selecting an insurer with robust financial stability is paramount to mitigate the risk of unpaid claims. It's advisable to investigate carriers with strong financial strength ratings. MoneyGeek's analysis awards Auto-Owners, State Farm and GEICO with a perfect stability score of five (the highest score), each having attained the A++ rating from A.M. Best, signifying superior financial reliability.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Grinnell Mutual is the best for cheap car insurance in North Dakota, with an annual premium for a minimum coverage policy at $353 and a MoneyGeek score of 85. While minimum coverage policies are the most affordable, they offer less protection than full coverage policies. Consumers can still find affordable full coverage options by comparing quotes from various providers.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
