Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 15, 2020

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Here's what you need to know...

  • Depending on where you live, insurance rates in North Dakota can vary dramatically
  •  North Dakota is also a “no-fault” state
  • A.M. Best is an insurance credit rating company with offices in the U.S., England and Hong Kong

Insurance rates in North Dakota may vary dramatically based on your zip code.

Because North Dakota is so sparsely populated, causes of accidents are more noticeable to car insurance companies in certain regions and affect the rates for those regions.

For example, in 2010, Burke County reported the highest number of DUI related fatality accidents while Cass County reported 75 percent more speed related accidents than anywhere else in the state.

Try our FREE quote comparison tool today to see what you could be saving on car insurance! Enter your zip code above to get started!

North Dakota Auto Insurance Requirements


North Dakota is a dangerous state for drivers. North Dakota is also a “no-fault” state, which has car insurance laws that require drivers carry personal injury protection coverage along with the mandatory liability and uninsured motorist coverage.

The minimum auto liability limits in North Dakota are:

  • $25,000 for injury or death of one person
  • $50,000 for injury or death of more than one person
  • $25,000 for property damage
  • $25,000/$50,000 for uninsured or underinsured motorist protection
  • $30,000 for personal injury protection

Driving without insurance in North Dakota carries a $150 fine for a first offense and license plate impounding for subsequent offenses within any three-year period.

Uninsured drivers involved in an accident are penalized with a 14-point license suspension.

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Ways to Lower Auto Insurance Rates

There are some things you can do to lower the cost of auto coverage.

Here are some things you can do to your vehicle to get the maximum discount available:

  • Automatic seatbelts
  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Maintain high credit rating
  • Maintain a good driving record by avoiding speeding tickets and other moving violations

Also, young drivers generally cost more to insure so maintaining good grades will offset some of that additional cost.

North Dakota coverage also has a Graduated Driver Licensing program where young drivers are introduced to driving in a slow and controlled manner.

Top 10 North Dakota Auto Insurance Companies


In addition, each one of the companies listed below provides a free auto insurance quote so that you may accurately compare and make an educated decision that best fits your insurance needs.

Also, each one of the companies below carries an A+ or A with A.M. Best rating.

A.M. Best is an insurance credit rating company with offices in the U.S., England and Hong Kong.


Farmers Insurance has been in business since 1928. They are the third-largest home and auto insurer in the United States.

Because of the size of the company doing business in 41 states, they are able to offer many additional discounts thereby reducing your premiums.


Geico has several local offices around the state of North Dakota. In addition to auto coverage, Geico also offers other types of car insurance coverage such as for snowmobiles, motorcycles, ATVs, and boats.

The Hartford Auto Group

The Hartford Company has been in business since 1810 and has a long history of customer satisfaction. They also offer a suite of other coverages to choose from including classic or antique coverage and RV coverage.

AARP Auto Insurance from The Hartford

AARP offers 12-month auto insurance policies that are lifetime renewable. Coverage is provided through The Hartford.


Progressive is one of the most competitive insurance companies in the industry. Progressive has independent agencies located in North Dakota.

They offer the following coverages in the state: auto, boat, motorcycle, snowmobile, RV, commercial auto, golf cart and segway.

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Allstate is the largest publicly held insurer in the United States. They are a Fortune 500 company and have been serving customers for 80 years.

State Farm

State Farm is a strong advocate of the Graduated Driver Licensing laws in North Dakota. State Farm has been insuring people since 1922 and has a strong record of employee recognition and environmental awards.

In addition to the community efforts, they are also a strong and profitable competitor in the cheap market.

Liberty Mutual

Liberty Mutual is a competitive and dependable insurance agency. They have over 400 office located in the United States.

They offer the standard discounts but you should inquire about additional discounts regarding your specific driving requirements.


Nationwide offers additional services to insureds such as their 100 percent repair guarantee for as long as you own your car, 24/7 Blue Ribbon Claim services and a free “On Your Side” review to get optimum discounts available.

Nationwide has been insuring people for 80 years and has maintained a strong reputation.

Nodak Mutual Insurance


Route 1000 is a one-hour seminar for teen drivers on safe driving. After 1000 hours of safe-driving (no tickets or accidents), teen participants receive a $1000 savings bond.

In addition, insureds also receive a seven percent discount on the teen driver coverage rate for participating in the program.

Many of the companies make mention of the Graduated Driver Licensing laws on their websites. 

If the insurance company does not mention it, please ask how it can affect your auto insurance rates.

According to the North Dakota Department of Transportation, the state has high accident and driver fatality rates.

Participants in such programs often earn additional savings on their insurance premiums for demonstrating a concern for safety on the roads.

Start saving today with a FREE car insurance quote comparison! Enter your zip code below to get started now!