Country Guide
Best Car Insurance in North Dakota (2026)
North Dakota consistently ranks among the cheapest states for car insurance. Compare top carriers.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in North Dakota
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Overall value | $1,020/yr | — |
| 2 | USAA | Military families | $780/yr | — |
| 3 | Progressive | Safe drivers | $1,140/yr | — |
| 4 | American Family | Midwest coverage | $1,080/yr | — |
| 5 | Nodak Mutual | ND-based carrier | $980/yr | — |