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Remember when your mom would yell at you to clean your room because a little fairy wasn’t going to magically appear and do it? We’re proof that those kind of fairies actually exist. In our case, we won’t clean your room, but we will make understandable, informative, and important insurance information appear at your fingertips. If you know the difference between a Minnesota accent, drink pop instead of soda, and refer to your state as “Nor’Dakoda,” this page is for you.
What Are You Looking For?
- Cheapest Companies In North Dakota
- How Much Drivers Like You Spend On Auto Insurance
- Specific City Rates
- Most Popular Car Insurance Companies In North Dakota
- Customer Satisfaction Ratings
- Our Recommendation
What are the cheapest car insurance companies in North Dakota?
Did you know that car insurance cost can range from around $750 to over $2,200 in North Dakota depending on which company you go with? According to our research, that’s a pretty big jump in prices. It’s also why we made sure to get average annual quotes for drivers for 16 companies—based on nine driver profiles and averages across the state. Take a look to see where you’ll find the cheapest and most expensive car insurance.
| CHEAPEST IN NORTH DAKOTA | Average Quote |
|---|---|
| North Dakota Farm Bureau | $763.68 |
| Progressive | $870.56 |
| North Star CO | $1,121.00 |
| USAA | $1,240.99 |
| Farmers Insurance | $1,275.96 |
| American Family Insurance | $1,333.92 |
| Grinnell Mutual | $1,410.50 |
| State Farm Insurance | $1,458.86 |
| Central Mutual Insurance | $1,526.92 |
| Allstate Insurance | $1,580.48 |
| Safeco Insurance | $1,585.36 |
| GEICO | $1,943.88 |
| State Auto Insurance | $2,065.92 |
| Automobile Club | $2,281.17 |
How much drivers like you spend on auto insurance?
Average isn’t a one-size-fits-all word. It means the general person, place, or thing. That’s why we decided to show you how much average quotes are by company, by driver profile. That way, you can see drivers who closely align with your life and roughly how much you could spend on car insurance.
Cheapest For Drivers in Their 20’s
Oh, to be young. If you’re a guy, you can also look forward to seeing your rates drop 42% between 21 and 25. In the meantime, you 20-somethings can find the cheapest rates from the North Dakota Farm Bureau and Progressive.
| Cheapest Drivers in Their 20's | Average Quote |
|---|---|
| North Dakota Farm Bureau | $887.40 |
| Progressive | $1,065.90 |
| North Star CO | $1,176.80 |
| American Family Insurance | $1,426.20 |
| Farmers Insurance | $1,454.50 |
| Central Mutual Insurance | $1,540.80 |
| Grinnell Mutual | $1,743.60 |
| Safeco Insurance | $1,749.60 |
| USAA | $1,802.07 |
| GEICO | $1,825.60 |
| Allstate Insurance | $1,948.80 |
| State Farm Insurance | $2,231.50 |
| Automobile Club | $2,673.20 |
| State Auto Insurance | $3,090.00 |
*We calculated these rates by taking a look at two different guys: one 21-year old single male driver of a 2006 Ford Mustang who drives 12,000 miles a year and has one accident on his record. The other, a single 25-year old who drives a 2009 Ford F-150 and doesn’t have any accidents.
Cheapest for Young Families
Starting a family is an exciting time. Make sure you keep the fun going by keeping your car insurance payments low. According to our analysis, married couples with young children who aren’t of driving age yet, can get the cheapest quotes from North Dakota Farm Bureau at roughly $783.60 a year. Progressive comes in a close second, with quotes about $60 more. Check out our full list of the cheapest coverage options for young families in North Dakota below.
| Cheapest for Young Families | Average Quote |
|---|---|
| North Dakota Farm Bureau | $783.60 |
| Progressive | $844.60 |
| Safeco Insurance | $1,218.60 |
| USAA | $1,242.48 |
| Farmers Insurance | $1,347.10 |
| State Farm Insurance | $1,428.40 |
| North Star CO | $1,506.00 |
| Automobile Club | $1,661.20 |
| American Family Insurance | $1,682.20 |
| Central Mutual Insurance | $1,706.40 |
| Grinnell Mutual | $1,713.20 |
| Allstate Insurance | $1,728.60 |
| State Auto Insurance | $1,821.00 |
| GEICO | $1,850.40 |
* We looked at a 35-year old couple with two cars who drive 19,000 total a year and a couple who were 25-years old and has two young kids at home to find these quotes. Both couples had one accident on their record.
Cheapest For Families With Teen Drivers
Having a full nest can be fun, but expensive when it comes to car insurance. Lucky for you, North Dakota car insurance isn’t too steep. See for yourself where you can find the cheapest rates by taking a look at our chart. You’ll see they can range in the thousands from carrier to carrier!
*To come up with these premiums, we use profiles from married couples—ages 46 & 44 —with young driver. In this scenario, the 46-year old husband drives a 2009 Chevrolet Silverado pickup 15,000 miles a year. The wife drives a 2009 Chevrolet HHR LT 10,000 miles annually. The 16-year old male son is an A-student and drives occasionally.
| Cheapest for Families with Teens | Average Quote |
|---|---|
| North Dakota Farm Bureau | $1,040.00 |
| Progressive | $1,257.40 |
| USAA | $1,808.27 |
| Central Mutual Insurance | $1,867.60 |
| Farmers Insurance | $1,958.40 |
| North Star CO | $2,093.60 |
| American Family Insurance | $2,156.00 |
| Allstate Insurance | $2,238.00 |
| State Farm Insurance | $2,337.20 |
| Grinnell Mutual | $2,631.20 |
| Safeco Insurance | $2,689.20 |
| Automobile Club | $3,312.40 |
| GEICO | $3,355.20 |
| State Auto Insurance | $3,458.40 |
Cheapest for Drivers Over 65
You won’t only save on movie tickets and admission to events when you turn 65, you’ll save on car insurance too. We looked at quotes that were provided to 65-year old couples and a single 72-year old woman to find these insurance premiums. Since 4% of North Dakotans fall in this age bracket, you’ll want to take a look at average rates.
| Cheapest for Drivers Over 65 | Average Quote |
|---|---|
| North Dakota Farm Bureau | $466.00 |
| Progressive | $594.50 |
| American Family Insurance | $796.00 |
| Farmers Insurance | $851.50 |
| State Farm Insurance | $876.00 |
| USAA | $879.33 |
| Safeco Insurance | $942.00 |
| North Star | $951.00 |
| State Auto Insurance | $1,041.00 |
| Grinnell Mutual | $1,083.00 |
| Central Mutual Insurance | $1,153.00 |
| GEICO | $1,309.00 |
| Allstate Insurance | $1,420.00 |
| Automobile Club | $2,150.00 |
What are the average city rates?
The whole part where we tell you that certain age groups and driver types pay different rates isn’t over yet. You may also get drastically different insurance quotes from top companies depending on where you live in North Dakota. Even though Grand Forks and Fargo are only a couple hours away from each other, you’ll still see a unique premium for both places.
| Cost by City | Average Quote |
|---|---|
| Grand Forks | $1,326.43 |
| Fargo | $1,388.60 |
| Minot | $1,475.60 |
| Bismark | $1,503.48 |
| Rest of state | $1,550.22 |
What are the most popular Arkansas car insurance providers?
Some once-popular things have gone out of style, but one measure of popularity that never gets old is something called “market share.” This index shows the percentage of customers a company has compared to competitors in a region. Why it’s important for you is because it gives a wider perspective on a company.
We’ll show you how. Take Progressive for example. They insure 15% of all drivers in North Dakota—leading the state for most customers. They’re not the cheapest option though. North Dakota Farm Bureau offers premiums for more than $100 less a year than them, but they’re still the most popular car insurance company.
Other cheap options like North Star—the state’s 3rd cheapest option—didn’t even make the list for popular companies. This can tell you that cost isn’t all that goes into the equation when picking a company. Paying more for an insurance policy might get you better insurance coverage and customer service.
Just keep all of this in mind while shopping for car insurance so you have more insight into why customers are flocking to certain carriers.
| Most Popular | Market Share | Average Quote |
|---|---|---|
| Progressive | 15.31 | $870.56 |
| State Farm Insurance | 14.02 | $1,458.86 |
| American Family Insurance | 9.82 | $1,333.92 |
| QBE Insurance | 8.83 | |
| Nodak Mutual | 8.3 | |
| Center Mutual | 4.17 | $1,526.92 |
| USAA | 3.98 | $1,240.99 |
| Farmers Insurance | 3.82 | $1,275.96 |
| GEICO | 3.78 | $1,943.88 |
| Auto Owners Insurance | 2.99 |
Are there many customer complaints?
Feel like you’re wasting your breath when you complain about a company? You’re not. All of those issues go into a “complaint index” which logs the percentage of customers who have had a negative experience with their insurance company. As you’re looking at this chart, know that lower numbers mean less complaints and higher number mean more unsatisfied customers. Allied, Nationwide, and MetLife are just a few of the top companies that have the least amount of complaints.
If you’re looking for an all-around affordable car insurance carrier, take this into account before you make a choice. If less customers complain, you’ll have better chances of being happy with the service too.
| Highest Customer Rated | Average Complaint |
|---|---|
| Auto-Owners | 0 |
| North Star Mutual Insurance Company | 0 |
| Allied | 0 |
| Grinnell Mutualual Insurance | 0 |
| AAA / Automobile Club | 0 |
| MetLife | 0 |
| Nationwide | 0 |
| Secura Insurance | 0 |
| Nodak Mutual Insurance Company | 0.26 |
| State Farm Insurance | 0.29 |
| USAA | 0.55 |
| Center Mutual Insurance Company | 0.96 |
| American Family | 1.02 |
| Progressive | 1.04 |
| QBE Insurance | 1.13 |
| Farmers | 1.47 |
| Country Financial Insurance | 1.81 |
| EMC Insurance | 2.12 |
| Allstate | 2.51 |
| Safeco | 3.71 |
| GEICO | 4.41 |
| State Auto | 4.88 |
| Horace Mann | 5.71 |
Our recommendation
We want you to do the thinking here. Our job is just to lead you in the right direction by giving you complete and simple information that you need to do so. The only thing we advise you to do is make sure the company you go with ranks well across multiple categories. If they’re popular among customers (market share), have reasonable insurance premiums, and low complain indexes, they’re probably a safe bet. For instance, State Farm ranks in the top 10 for all three categories. Progressive ranks in the top 10 for pricing and market share.
Still have some questions about what do to? Are you wondering if we can help you with all that? You betcha. Enter your ZIP code below to find auto insurance quotes near you.
Where We Found The Facts
This is all true! We spent many hours searching through data and researching North Dakota car insurance to bring you the best resource possible. You can check out the links below if you want to see for yourself too. The only thing that might not be true to your life are the average premiums. While all of the driver profiles we looked at are real, they might not be the best match for you. The only way to get an accurate quote is to call. This is just to give you an idea of what to expect.
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