{"id":324744,"date":"2025-11-14T07:48:08","date_gmt":"2025-11-14T12:48:08","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88759"},"modified":"2025-11-14T08:56:46","modified_gmt":"2025-11-14T13:56:46","slug":"best-in-north-dakota","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-north-dakota\/","title":{"rendered":"The Best North Dakota Auto Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best North Dakota Auto Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>In 2025, North Dakota\u2019s average auto insurance premiums remain well below the national average (<a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>; <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra<\/a>).<\/li>\n\n\n\n<li>State law requires liability, personal injury protection (no-fault) and uninsured\/underinsured motorist coverage (<a href=\"https:\/\/www.insurance.nd.gov\/consumers\/auto-insurance\">North Dakota Insurance Department<\/a>).<\/li>\n<\/ul>\n\n\n\n<p>Finding the best North Dakota car insurance requires a bit of groundwork, but we\u2019ve done the heavy lifting for you. We determined USAA (for eligible military families) and American Family to be among the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">top car insurance providers<\/a> in North Dakota because of competitive premiums and strong satisfaction, but Progressive, Farmers, and Allstate should also be strongly considered by every driver. To determine who the best providers are in North Dakota, we looked at customer service and satisfaction (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">J.D. Power 2024 Central region<\/a>), <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\" rel=\"nofollow\" class=\"achor-toggles\">average premium costs<\/a> informed by 2025 statewide analyses (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>), and financial strength. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Auto Insurance Companies in North Dakota<\/h2>\n\n\n\n<ul>\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best for eligible military families in North Dakota<\/li>\n\n\n\n<li><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a>: Best for usage-based and high-risk drivers in North Dakota<\/li>\n\n\n\n<li><a href=\"#american\" rel=\"nofollow\" class=\"achor-toggles\">American Family<\/a>: Best Car Insurance Company in North Dakota for Discounts<\/li>\n\n\n\n<li><a href=\"#farmers\" rel=\"nofollow\" class=\"achor-toggles\">Farmers<\/a>: Best North Dakota Car Insurance for Coverage&nbsp;<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best North Dakota Car Insurance Company for Student Savings<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_6081d7611996f\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in North Dakota<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tFULL COVERAGE ANNUAL PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tSTATE MINIMUM ANNUAL PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6081d7611996f-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$815<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$180<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>897**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6081d7611996f-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,129<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$370<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>837<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6081d7611996f-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$819<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$263<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6081d7611996f-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$990<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$188<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>848<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6081d7611996f-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,827<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$460<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>825<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025.<\/em><\/p>\n\n\n\n<p><em>* Statewide average cost references use 2025 analyses by <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> (Quadrant Information Services), with corroborating state averages from <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/north-dakota\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"usaa\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best Overall Car Insurance\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall Car Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With high customer satisfaction, strong financial ratings, and low premiums, USAA is the top North Dakota car insurance company for military members.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$815*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">897**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With high customer satisfaction, strong financial ratings, and low premiums, USAA is the top North Dakota car insurance company for military members.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average rates<\/li>\n                            <li>Excellent customer service<\/li>\n                            <li>Strong financial strength rating<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only available to active and retired military<\/li>\n                                        <li>Few physical branch locations<\/li>\n                                        <li>Fewer than average discounts<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loyal customer<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Car Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\"><span style=\"font-weight: 400;\">USAA Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"progressive\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Customer Service\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive is the top North Dakota car insurance company available to civilians when it comes to customer satisfaction, so drivers can rest assured its representatives will be friendly, fast, and service is efficient.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,129*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">837**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive is the top North Dakota car insurance company available to civilians when it comes to customer satisfaction, so drivers can rest assured its representatives will be friendly, fast, and service is efficient.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent customer service<\/li>\n                            <li>A lot of discounts<\/li>\n                            <li>Fast claims handling<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Some discounts not offered in every state<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap insurance\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deductible savings bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Custom parts<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowner\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student away at college<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Progressive Insurance Reviews<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\"><span style=\"font-weight: 400;\">Progressive Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\"><span style=\"font-weight: 400;\">Progressive Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"american\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family car insurance is a great option for drivers in North Dakota who want to save on auto insurance premiums through discounts, as it offers the most discounts than competitors. \r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=342881-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$819*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">839**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family car insurance is a great option for drivers in North Dakota who want to save on auto insurance premiums through discounts, as it offers the most discounts than competitors. \r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Plenty of additional coverage options<\/li>\n                            <li>Wide variety of discounts<\/li>\n                            <li>Strong financial strength<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Average customer satisfaction<\/li>\n                                        <li>Only available in 19 states<\/li>\n                                        <li>Not the best provider to bundle with homeowners insurance<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency road service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical expense<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early bird<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low mileage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Generational<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Away at school<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.amfam.com\/insurance\/car\/discounts\"><span style=\"font-weight: 400;\">And more<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More American Family Insurance Reviews<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\"><span style=\"font-weight: 400;\">American Family Car Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\"><span style=\"font-weight: 400;\">American Family Home Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/american-family-review\/\"><span style=\"font-weight: 400;\">American Family Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"farmers\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Coverage Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"farmers-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Farmers Insurance offers a wide variety of additional coverage options for car insurance in North Dakota, going above and beyond basic protection.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325340-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$990*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">848**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Farmers Insurance offers a wide variety of additional coverage options for car insurance in North Dakota, going above and beyond basic protection.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discounts to choose from<\/li>\n                            <li>Few complaints against it online<\/li>\n                            <li>Easy to customize<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only writes 6 month terms<\/li>\n                                        <li>Online quote tool isn\u2019t comprehensive<\/li>\n                                        <li>Average customer satisfaction rating<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Coverage Options <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Windshield and glass<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car replacement<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Distant student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Farmers Insurance Reviews<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/\"><span style=\"font-weight: 400;\">Farmers Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/farmers-insurance-review\/\"><span style=\"font-weight: 400;\">Farmers Motorcycle Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\"><span style=\"font-weight: 400;\">Farmers Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best for Student Savings\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Student Savings<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Drivers and students under 25 years old can find specific savings and discounts with Allstate through its smart student discount and accident forgiveness.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,827*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">825**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Drivers and students under 25 years old can find specific savings and discounts with Allstate through its smart student discount and accident forgiveness.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous ways for students to save on policies<\/li>\n                            <li>Strong financial strength<\/li>\n                            <li>Great claims-free rewards program<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Average customer satisfaction scores<\/li>\n                                        <li>Only sells 6 month plans<\/li>\n                                        <li>Online quote tool could be better<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PIP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defensive driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payer<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Home Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Motorcycle Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Statewide average cost references use 2025 analyses by <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> (Quadrant Information Services), with corroborating state averages from <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/north-dakota\">ValuePenguin<\/a>. <\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> for the Central region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"The Average Cost of Car Insurance in North Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in North Dakota<\/h2>\n\n\n\n<p>Looking for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-to-get-cheap-insurance\/\">cheap car insurance<\/a> in North Dakota? You\u2019re in luck: 2025 estimates place the state\u2019s average premiums well below the national average. Full coverage typically runs about $1,450\u2013$1,650 per year and minimum coverage about $300\u2013$450 per year (roughly $120\u2013$140 and $25\u2013$40 per month, respectively), based on recent analyses from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/north-dakota\">ValuePenguin<\/a>. Recent national averages for full coverage are commonly in the upper $2,000s, keeping North Dakota among the more affordable states.<\/p>\n\n\n\n<p>North Dakota\u2019s comparatively low population density, <a href=\"https:\/\/www.reviews.com\/insurance\/car\/no-fault-car-insurance\/\" rel=\"nofollow\" class=\"achor-toggles\">no-fault insurance laws<\/a>, and historically lower claim frequency help support lower premiums. At the same time, safety data show roughly around 100 motor vehicle fatalities in 2023 and a per-mile fatality rate above the national average due largely to rural exposure (<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">IIHS state facts<\/a>). For current, in-state counts and contributing factors, see the <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.visionzerond.gov\/crash-dashboard\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Vision Zero ND crash dashboard<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3a\" title=\"Top 3 Cheapest Car Insurance Companies in North Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in North Dakota<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>$815<\/td><\/tr><tr><td>American Family<\/td><td>$819<\/td><\/tr><tr><td>Farmers<\/td><td>$990<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3b\" title=\"Top 3 Most Expensive Car Insurance Companies in North Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in North Dakota<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>North Star Mutual<\/td><td>$1,827<\/td><\/tr><tr><td>Grinnell Mutual<\/td><td>$1,779<\/td><\/tr><tr><td>Allstate<\/td><td>$1,434<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3c\" title=\"Top 3 Cheapest Cities for Car Insurance in North Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in North Dakota<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>West Fargo<\/td><td>$1,072<\/td><\/tr><tr><td>Fargo<\/td><td>$1,085<\/td><\/tr><tr><td>Grand Forks AFB<\/td><td>$1,091<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3d\" title=\"Top 3 Most Expensive Cities for Car Insurance in North Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in North Dakota<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Fort Yates<\/td><td>$1,385<\/td><\/tr><tr><td>Cannon Ball<\/td><td>$1,381<\/td><\/tr><tr><td>Selfridge<\/td><td>$1,378<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Figures in the company and city tables below reflect a prior Bankrate dataset and are directional only; current 2025 statewide averages are higher and vary by driver profile. For updated averages, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"need-to-know\" title=\"North Dakota Car Insurance: What You Need to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">North Dakota Car Insurance: What You Need to Know<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.insurance.nd.gov\/consumers\/auto-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">North Dakota car insurance<\/a> is a little unique when compared to other states. North Dakota is one of the country\u2019s no-fault states: after a crash, each injured person first uses personal injury protection (PIP) benefits regardless of fault. This is important context because, per <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">IIHS\u2019s latest state report<\/a>, North Dakota\u2019s fatality risk per mile traveled is above the national average due largely to rural exposure; the <a href=\"https:\/\/www.visionzerond.gov\/crash-dashboard\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Vision Zero ND crash dashboard<\/a> provides current, preliminary in\u2011state counts and contributing factors.<\/p>\n\n\n\n<ul>\n<li>In 2023, North Dakota recorded roughly around 100 motor vehicle deaths, and deaths per 100 million vehicle miles traveled were above the U.S. average (<a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\">IIHS<\/a>).<\/li>\n\n\n\n<li>Observed seat belt use in 2024 was below the national average, a factor consistently overrepresented in fatal outcomes (<a href=\"https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/813785\">NHTSA<\/a>).<\/li>\n\n\n\n<li>Impairment and speed remain leading contributors to fatal and serious-injury crashes in North Dakota (<a href=\"https:\/\/www.visionzerond.gov\/crash-dashboard\/\">Vision Zero ND<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"min\" title=\"North Dakota Minimum Insurance Requirements\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">North Dakota Minimum Insurance Requirements<\/h2>\n\n\n\n<p>North Dakota requires at least 25\/50\/25 liability coverage, plus no-fault (PIP) and uninsured\/underinsured motorist coverage on every policy (see the <a href=\"https:\/\/www.insurance.nd.gov\/consumers\/auto-insurance\">Insurance Department<\/a> and <a href=\"https:\/\/www.ndlegis.gov\/cencode\/t26-1c41.html\">N.D.C.C. ch. 26.1-41<\/a>).<\/p>\n\n\n\n<p><strong>Minimum liability required in the state of North Dakota is divided as follows:<\/strong><\/p>\n\n\n\n<ul>\n<li>$25,000 bodily injury coverage per person.<\/li>\n\n\n\n<li>$50,000 bodily injury coverage per accident<\/li>\n\n\n\n<li>$25,000 for property damage.<\/li>\n<\/ul>\n\n\n\n<p>Drivers are also required to have PIP as well as underinsured\/uninsured motorist coverage, which is determined as:<\/p>\n\n\n\n<ul>\n<li><strong>Personal injury protection:<\/strong> at least $30,000 per person&nbsp;<\/li>\n\n\n\n<li><strong>Uninsured\/underinsured motorist coverage:<\/strong> $25,000 per person \/ $50,000 per accident for bodily injury&nbsp;<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"law\" title=\"North Dakota\u2019s No-Fault Law\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">North Dakota\u2019s No-Fault Law<\/h2>\n\n\n\n<p>North Dakota is a no-fault state, which means each driver\u2019s insurance pays for medical and certain economic losses under personal injury protection (PIP) regardless of who was at fault (<a href=\"https:\/\/www.insurance.nd.gov\/consumers\/auto-insurance\">Insurance Department<\/a>).<\/p>\n\n\n\n<p>Because North Dakota is a no-fault state, lawsuits for injuries are limited until a statutory tort threshold is met (for example, a monetary threshold or specified serious injury). The tradeoff is typically faster initial medical payments through first-party PIP benefits (<a href=\"https:\/\/www.ndlegis.gov\/cencode\/t26-1c41.html\">N.D.C.C. ch. 26.1-41<\/a>).<\/p>\n\n\n\n<p>North Dakota\u2019s no-fault laws also means that it has modified comparative negligence laws; if you are more than<a href=\"https:\/\/www.legis.nd.gov\/cencode\/t32c03-2.pdf\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> 50% at fault in an accident, you can\u2019t sue<\/a>. Therefore, if it\u2019s determined that&nbsp; you are 20% at fault in an accident, you can sue the other driver for 80% of any damages done to you.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"additional-coverage\" title=\"Additional Car Insurance Coverage in North Dakota\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Additional Car Insurance Coverage in North Dakota<\/h2>\n\n\n\n<ul>\n<li><strong>Collision: <\/strong>This type of coverage pays for damages to your car regardless of how it was damaged while driving. For example, should you swerve and hit a stop sign, collision will pay for your repairs.<\/li>\n\n\n\n<li><strong>Comprehensive: <\/strong>Comprehensive coverage helps pay for repairs or replacement when your car is damaged or stolen in an incident that doesn\u2019t involve another car. This is best suited for weather-related incidents, such as hail or falling trees.&nbsp;<\/li>\n\n\n\n<li><strong>Towing and Labor Cost: <\/strong>If you feel your car is unreliable, or don\u2019t know what you would do if you had to change a tire, towing and labor cost coverage helps protect you. With this coverage, you get:\n<ul>\n<li>Gas\/oil delivered<\/li>\n\n\n\n<li>Jump starts<\/li>\n\n\n\n<li>Locksmith<\/li>\n\n\n\n<li>Tire changes<\/li>\n\n\n\n<li>Towing<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Gap Coverage: <\/strong>Should your car get stolen or totaled, gap coverage pays off your auto loan if you owe more than what your provider reimburses you afterwards due to depreciation.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">North Dakota DUI laws<\/h3>\n\n\n\n<p>If you\u2019re convicted of <a href=\"https:\/\/www.dot.nd.gov\/divisions\/safety\/penaltiesdrinkingdriving.htm\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">drinking and driving in North Dakota<\/a>, you can expect a fine, possible jail time, and a suspension of your driver\u2019s license. You will also have a class B misdemeanor on your record. The severity of the penalties depends on your BAC level and number of past offenses. For example, have four or more offenses within a 15-year timespan, it\u2019s considered a class C felony, which means the fines are much higher and the jail time goes up to at least a year. After certain violations, an SR-22 filing may be required to reinstate driving privileges (<a href=\"https:\/\/www.dot.nd.gov\/divisions\/driverslicense\/suspensions-revocations\/financial-responsibility-sr-22.html\">NDDOT SR-22<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"North Dakota Car Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">North Dakota Car Insurance FAQ<\/h2>\n\n\n<div id=\"block_6081db8219995\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in North Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">North Dakota is a 25\/50\/25 state. This means drivers must carry the following protection:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000 per person for bodily injury with a maximum of $50,000 per accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$25,000 per accident for property damage<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, drivers must also carry uninsured\/underinsured motorist coverage and basic PIP. North Dakota requires $25,000 per person and $50,000 per accident for uninsured\/underinsured motorist coverage, and $150 per week with a $30,000 maximum for PIP. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6081dba119996\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is car insurance in North Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">How much you pay depends on a variety of factors, including your driving history, type of car you drive, and where you live.<\/span><span style=\"font-weight: 400;\"> However, the average amount drivers pay in North Dakota is $285 for minimum coverage and $1,264 for <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\"><span style=\"font-weight: 400;\">full coverage<\/span><\/a><span style=\"font-weight: 400;\">, according to 2021 data from Bankrate.com.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6081dbae19997\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest car insurance in North Dakota?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The cheapest provider is currently USAA, but it only serves current and retired military members.<\/span><span style=\"font-weight: 400;\"> Minimum coverage costs an average of $180 per year while full costs around $815 per year. The next cheapest provider is American Family. For minimum coverage, drivers pay around $263 per year, and full coverage auto insurance costs an average of $819 per year.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers (including regional performance from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power\u2019s Central region<\/a>).<\/p>\n\n\n\n<p>As for average pricing, we used 2025 state-level datasets to triangulate North Dakota costs, including <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/north-dakota-car-insurance\/\">Bankrate<\/a> (Quadrant Information Services), <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-by-state\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra<\/a> and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/north-dakota\">ValuePenguin<\/a>. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul>\n<li>$100,000 bodily injury liability per person<\/li>\n\n\n\n<li>$300,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$50,000 property damage liability per accident<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$500 collision deductible<\/li>\n\n\n\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Finding the best North Dakota car insurance requires a bit of groundwork, but we\u2019ve done the heavy lifting for you. We determined USAA (for eligible military families) and American Family to be among the top car insurance providers in North Dakota because of competitive premiums and strong satisfaction, but Progressive, Farmers, and Allstate [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361417,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[17789],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best North Dakota Auto Insurance Companies of 2025 - Reviews.com<\/title>\n<meta name=\"description\" content=\"We evaluated and reviewed factors such as pricing, discounts, and customer satisfaction surveys to choose the top car insurance companies in North Dakota.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-north-dakota\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best North Dakota Auto Insurance Companies of 2025 - 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