In the sections below, we’ll take an in-depth look at the top car insurance providers in North Dakota.
#1 American Family Insurance
J.D. Power score: 848/1,000
AM Best financial strength rating: A
BBB rating: A
American Family Insurance is the best choice for North Dakota drivers because it offers affordable rates and many opportunities to discount its already low prices. For example, drivers can save money by bundling car insurance policies, going paperless or switching to automatic payments.
Our team reached out to American Family Insurance for comment about its negative customer reviews but did not receive a response.
American Family Insurance Coverage
American Family provides bodily injury liability insurance and property damage liability coverage along with the other standard types of car insurance:
In addition, American Family’s optional coverages include:
- Gap insurance
- Rental car reimbursement coverage
- Emergency road service coverage
- Accidental death and dismemberment coverage
American Family Insurance Reputation
American Family scored 855 points out of a possible 1,000 in the J.D. Power 2022 U.S. Insurance Shopping Study℠, tying the average for midsize insurance companies. It scored 13 points above the regional average in the J.D. Power 2022 U.S. Auto Insurance Study℠.
Only about 2% of those polled in our August 2022 car insurance study had policies from American Family, but the company ranked the highest in customer satisfaction. Customers with American Family Insurance policies gave the provider a 4.5-star average rating out of 5.0.
Read more: American Family Insurance reviews
#2 Geico Insurance: Affordable for Most Drivers
J.D. Power score: 847/1,000
AM Best financial strength rating: A++
BBB rating: A+
Geico held 14.31% of the market share in 2021, according to the National Association of Insurance Commissioners (NAIC), making it the second-largest auto insurer in the United States after State Farm. The provider has a stellar reputation in the industry thanks in part to its affordable pricing and high policy limits.
Geico is also an attractive option for North Dakota drivers because of its 16 car insurance discounts. The company offers ways to reduce rates for teen drivers who maintain good grades, owners of new cars and motorists who install anti-theft devices in their vehicles.
Geico Car Insurance Coverage
Geico’s full-coverage auto insurance options come with some of the highest coverage limits available. Its add-on policy options include:
- Rental car reimbursement
- Roadside assistance
- Rideshare insurance
- Mechanical breakdown insurance (MBI)
Geico Insurance Reputation
Along with earning excellent ratings from AM Best and the BBB, Geico scored well above average in the J.D. Power Auto Insurance Study, coming in third place for the Central region, which includes North Dakota.
In our 2022 survey, 16% of respondents reported having Geico car insurance policies. Those respondents were generally pleased with Geico coverage, giving the company an average rating of 4.1 out of 5.0 points.
Read more: Geico insurance reviews
#3 State Farm Insurance: Editor’s Choice
J.D. Power score: 843/1,000
AM Best financial strength rating: A++
BBB rating: A+
According to the NAIC, State Farm is the largest auto insurer in the nation, holding 15.93% of the market share in 2021. The company has a reputation for providing excellent customer service as well as numerous discounts — especially for young drivers.
State Farm has a good student discount that can reduce insurance premiums by up to 25% and two telematics insurance programs that can cut costs even further. Drivers under 25 can enroll in the Steer ClearⓇ program and earn discounts. Alternatively, motorists can sign up for Drive Safe & Save™, a usage-based program that monitors driving habits and reduces rates by up to 30% based on good scores.
Our review team reached out to State Farm for a comment on its reviews but did not receive a response.
State Farm Car Insurance Coverage
Along with the standard full-coverage auto insurance options, State Farm offers:
- Roadside assistance
- Trip interruption/travel expense coverage
- Rideshare insurance
- Rental car reimbursement
State Farm Insurance Reputation
State Farm earns consistently high rankings in customer satisfaction studies. In the J.D. Power Insurance Shopping Study, the company received 885 out of 1,000 points, which earned it first place among large insurers. State Farm’s score was 843 in the J.D. Power Auto Insurance Study, which was still above average for the Central region.
State Farm received one of the highest scores in our August 2022 consumer survey. Customers rated the company an average of 4.2 out of 5.0 points for overall satisfaction. Roughly 19% of respondents had State Farm car insurance, making it the most popular insurer in our survey.
Read more: State Farm insurance reviews
#4 Liberty Mutual Insurance: Good Programs for Young Drivers
J.D. Power score: 840/1,000
AM Best financial strength rating: A
BBB rating: A+
Liberty Mutual offers a wide variety of auto insurance services and is an especially good choice for younger drivers looking to save money on car insurance premiums. On top of its good-student discount, Liberty Mutual offers price breaks for policyholders with college students who don’t drive their cars very often. Also, the company’s RightTrack safe driving program rewards those who have good driving habits.
Our team reached out to Liberty Mutual for comment about its negative customer reviews but did not receive a response.
Liberty Mutual Car Insurance Coverage
Liberty Mutual offers the standard types of coverage as well as other options drivers can add to their auto insurance policies. These add-ons include:
- Gap coverage
- Roadside assistance
- Rental car reimbursement
- Original parts replacement
- New car replacement insurance
- Better car replacement insurance
- Liberty Mutual deductible fund
- Lifetime repair guarantee
Liberty Mutual Insurance Reputation
In the J.D. Power Auto Insurance Study, Liberty Mutual scored above the regional average, coming in fifth place with 840 points. The company ranked in third place in the J.D. Power Insurance Shopping Study, earning 860 out of 1,000 points in customer satisfaction for large insurers.
Only about 5% of the respondents in our 2022 insurance survey were Liberty Mutual customers. They rated the company an average of 4.1 out of 5.0 points for customer satisfaction.
Read more: Liberty Mutual Insurance reviews
#5 Travelers: Most Coverage Options
J.D. Power score: 832/1,000
AM Best financial strength rating: A++
BBB rating: A
Travelers is known for its lower-than-average rates and its variety of optional coverages. The company offers many ways to save money on premiums, including industry standards like multi-car, multi-policy and good-student discounts.
If you switch to Travelers before your current policy expires, you can qualify for the early quote discount. You can also save money on your insurance rates if you own a hybrid or electric vehicle.
Our team reached out to Travelers for a comment on its low customer ratings but did not receive a response.
Travelers Car Insurance Coverage
Like most large insurers, Travelers offers the six standard types of insurance coverage. The company has a solid variety of add-on options as well, including:
- Accident forgiveness coverage
- Two tiers of roadside assistance
- New car replacement coverage
- Gap insurance
- Rental car coverage
Travelers Insurance Reputation
Though Travelers has excellent ratings from AM Best and the BBB, the company scores fairly low in J.D. Power studies. The company scored just below the regional average in the J.D. Power Auto Insurance Study with 832 out of 1,000 points. Travelers ranked last among large insurers in the J.D. Power Insurance Shopping Study, earning 853 out of 1,000 points.
Our team reached out to Travelers for a comment on its low J.D. Power scores but did not receive a response.
Of the respondents in our car insurance survey, only about 1.5% had Travelers policies. The company did score near the top for overall satisfaction, earning an average of 4.2 out of 5.0.
Read more: Travelers insurance reviews
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