Jerry helps you get quotes from up to 6 different insurance companies in the Peach Garden State, and over the past year we’ve helped 980 North Dakota drivers find their best car insurance at competitive prices and switch their coverage.

Every driver has unique needs, and since we’ve helped thousands of ND drivers just like you, we truly understand what’s most important. Jerry can show you real policies purchased by real people, and explain just how other drivers in North Dakota are choosing from top car insurance coverage options.

Here’s what we’ve noticed:

• Bristol West is the single most-chosen insurer among Jerry customers in North Dakota.

• GEICO and ROOT come in second and third place, with about half of the total market share.

• The rest of our customers are spread across strong carriers like The General and Safeco among others.

The takeaway is simple: there’s no one “best” company for everyone. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Most popular insurers in North Dakota

Insurer	Share of Jerry drivers	Jerry customer rating
Bristol West	53%	5.0
GEICO	26%	No Rating
ROOT	15%	No Rating
The General	9%	No Rating
Safeco	1%	No Rating

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

Quick picks: Best North Dakota car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for North Dakota drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps North Dakota drivers find their best insurance

Jerry isn’t a price-only ranking tool. For North Dakota drivers, we focus on the coverage that actually holds up when you need it:

• Use real data from 980 recent North Dakota quotes to best compare your coverage options.

• Analyze 6 top insurers against our quality criteria and your specific needs.

• Show you highly-rated options that balance coverage, claims and cost.

• Explain why each option makes sense for your situation.

• Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.

• Continue monitoring market rates so you always know when it’s time to shop for better pricing.

What does that mean for ND drivers? An average annual savings of $819 and high satisfaction rates among drivers who switch with Jerry.

Bottom line: You answer a few quick questions, we do the comparison work and you get coverage you can feel good about in minutes.

Best car insurance for most ND drivers

North Dakota drivers have 6 insurance companies to choose from when shopping through Jerry. Since carriers vary on coverage options, features, benefits and price, customers can shop around and find the right mix of affordability and protection.

Here are some of the most recent quotes that drivers have received in the state:

Recent quotes in North Dakota

For most good drivers in North Dakota who want full coverage and strong claims support, three companies tend to rise to the top as customer favorites: Bristol West, GEICO and ROOT. Jerry can compare them (and more) side-by-side in just minutes, so you can focus on the one that works best for you.

Here’s a rundown of what each offers and why customers choose them as a top pick.

1. Bristol West

Recent quotes for ND drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Bristol West:

  • Backed by Farmers Group for more stability than smaller, non-standard carriers
  • 24/7 online access to ID cards, payments and policy info.
  • Optional add-ons like towing and roadside service.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. GEICO

Recent quotes for ND drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend GEICO:

  • Simple policy management and claims filing via web and app.
  • Strong full-coverage rates for many North Dakota driver profiles.
  • Snapshot® offers ongoing discounts for safe driving over time.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. ROOT

Recent quotes for ND drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend ROOT:

  • Digital ID cards and documents available in-app when proof is needed fast.
  • Built around smartphone-based tracking, no plug-in device required.
  • Good fit for safe drivers who want pricing that rewards their driving behavior.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

Best ND car insurance for bundling home and auto

If you’re a homeowner, your insurance decisions usually shift from “cheapest” to “best fit.” Your auto policy needs to match the life you’ve built, including the property, savings and people who depend on you.

Many drivers start with bundling auto and home insurance because it’s an easy way to simplify policy management and qualify for discounts. But even without bundling, homeownership can still work in your favor. Some carriers offer homeowner-specific discounts or higher coverage limits that better reflect what you’re protecting.

In North Dakota, Jerry sees most home-owning customers choosing Bristol West, ROOT and The General for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Bristol West

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Bristol West:

  • Good fit for households with mixed driver profiles under one roof.
  • Claims reporting and tracking available 24/7.
  • Makes it easy to bundle auto insurance with home coverage that fits drivers’ needs.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. ROOT

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend ROOT:

  • N/A

3. The General

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend The General:

  • Better fit when credit history or prior gaps block standard carriers.
  • Cash payment options.
  • Roadside assistance option, where available.
  • Jerry drivers say they like The General’s pricing most of all, followed by the carrier’s mobile app and available discounts.

Best value for budget-focused ND drivers

If you’re watching your monthly cost but refuse to trim your coverage, our data show that Bristol West, GEICO and Progressive often deliver the strongest value for North Dakota drivers. This doesn’t necessarily mean the cheapest car insurance in North Dakota, but rather the best balance of price and protection.

Over the past 12 months, Jerry has helped 279 North Dakota drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why customers say they’re a top pick.

1. Bristol West

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Bristol West:

  • Quick access to ID cards for “need proof today” situations.
  • Online servicing for routine tasks like payments and ID cards
  • Coverage available for those with imperfect driving histories.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. GEICO

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend GEICO:

  • Strong mobile app for payments, digital ID cards, roadside help and claim filing or tracking.
  • Broad discount menu that can include good driver, defensive driving, driver education and vehicle safety or anti-theft features, varies by state.
  • Flexible payment setup in-app with multiple payment methods and adjustable payment amounts.
  • Customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Progressive

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Progressive:

  • Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
  • Strong self-serve experience for policy changes and claims in the app.
  • Flexible coverage limits and deductibles so you can right-size cost.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

Best car insurance for ND families with teen drivers

If you’re adding a teen driver in North Dakota, brace yourself for sticker shock. Even families with strong credit, a clean claims history, and safe vehicles can see a sudden premium jump once a new driver hits the policy. What matters most is finding a carrier that prices teen risk reasonably for your household, not just accepting the default renewal. Jerry has helped 26 ND families with teen drivers save an average of $1,298 annually, most often with Bristol West and ROOT.

Here’s a look at what those carriers offer and why Jerry customers choose them so frequently.

1. Bristol West

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Bristol West:

  • Helpful when coverage needs to be placed quickly to avoid a longer lapse.
  • Online payments and self-serve tools that reduce the need for repeated calls to an agent.
  • Backed by a larger insurance group (Farmers), which can matter for families who care about stability.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. ROOT

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend ROOT:

  • Good fit for families that prefer digital-first insurance.
  • Same-day coverage for eligible drivers, helpful when adding a car fast.
  • Coverage tuning through deductibles and limits to balance protection and cost.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

Best car insurance for ND college students

College can turn a “set it and forget it” policy into a moving target. A driver might change addresses, drive fewer miles, or keep a car on campus for part of the year and at home for the rest. If your policy doesn’t keep up, you can end up overpaying, underprotected or both.

Jerry has helped 122 college students in North Dakota find affordable coverage that still protects them whether they’re on or off campus, driving home for the summer or something in between. Bristol West, ROOT and GEICO are the top choices for Jerry college students in this state. Here’s what each carrier offers and why it stands out.

1. Bristol West

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Bristol West:

  • Helpful for quick coverage needs, like a student who just bought a car or needs proof of insurance fast.
  • Payment reminders and missed-payment alerts to reduce accidental lapses during busy school stretches.
  • Online payments and account access that make it easier to manage changes from another city or campus.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. ROOT

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend ROOT:

  • No plug-in device required, just the phone the student already has.
  • Pricing tied to driving behavior, which can help responsible new drivers stand out.
  • Coverage can be kept lean while still meeting core liability needs.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. GEICO

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend GEICO:

  • Good student discount for eligible full-time students.
  • DriveEasy tracks braking, cornering and phone use to create a driving score that influences rates.
  • Strong mobile app for payments, ID cards and claims tracking.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best ND car insurance for drivers with violations

One mistake on the road can change your insurance pricing for years. Tickets, at-fault accidents and DUIs often trigger “high-risk” rates and can narrow the list of carriers willing to write your policy. Still, you have options, and you don’t have to overpay just because your record isn’t spotless.

Jerry has helped 1,166 North Dakota drivers with violations find coverage this past year at affordable prices. We also monitor rates and flag the right time to shop again once those violations age out, so you can potentially save even more.

In fact, many Jerry drivers with violations end up with Bristol West, ROOT and The General — carriers that are often more flexible with North Dakota drivers who have violations on their record.

1. Bristol West

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Bristol West:

  • Payment plan options that make it easier to stay covered while rebuilding a record.
  • Payment reminders and missed-payment alerts to help drivers avoid a new lapse.
  • Quick access to ID cards and policy documents online when proof of coverage is needed.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

2. ROOT

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend ROOT:

  • A good fit for drivers who can demonstrate safe habits now, even without a spotless driving record.
  • Optional rental coverage for drivers who cannot afford downtime after a covered claim.
  • Digital access to ID cards and policy documents on the spot.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. The General

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend The General:

  • A common pick for drivers with tickets, accidents or other record issues.
  • SR-22 filing support where required.
  • Quick access to proof of insurance for compliance needs.
  • Jerry drivers say they like The General’s pricing most of all, followed by the carrier’s mobile app and available discounts.

Car insurance options for ND military families

Active-duty, reserve, guard or veteran, military life can change your driving patterns fast, from long stretches off the road to sudden moves across state lines. Jerry has helped North Dakota military families find coverage that works for deployments, PCS moves and the in-between months.

If you qualify for military-focused insurers, start there. Then widen the search, many standard insurers also offer strong military discounts and flexible policy options, and Jerry can compare them for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

Some insurers are purpose-built for military members and their families, such as USAA, Navy Federal, Armed Forces Insurance and similar providers.

If you’re eligible, they should be part of the conversation. They’re designed for deployments, PCS orders and frequent moves, and often offer storage or reduced-use pricing when a car sits on base or at home during deployment. Their teams also tend to understand military pay and documentation in a way many civilian insurers simply don’t.

Because of how these insurers are set up, Jerry can’t always show live quotes or internal ratings for them. If you qualify, do this:

1. Use Jerry to see what strong standard-insurer pricing looks like, then
2. Get direct quotes from one or more military-only insurers and compare.

You end up with a true apples-to-apples comparison.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

Even if you qualify for military-only insurers, it’s worth looking at national carriers that offer military discounts, manage deployments and multi-state moves well and are fully integrated with Jerry’s quoting and switching flow.

For many ND military families, GEICO, State Farm and Progressive are often part of the comparison.

1. GEICO

Best for: Discounts and practical flexibility during deployments

Why it often works well for service members:

• Military discounts and ways to adjust coverage when you deploy or drive less.

• 24/7 support that holds up across time zones, including OCONUS.

• App-based policy access for proof of insurance, claims and quick changes.

2. State Farm

Best for: PCS continuity and local agent support

Why it often works well:

• One of the largest agent networks, useful if you move often.

• Agents in many base-adjacent communities.

• Bundling that stays simple when you add home or condo coverage.

3. Progressive

Best for: Households that need fast updates

Why it can be a good fit:

• Strong pricing across many scenarios, including frequent movers.

• Digital tools for updating garaging address, mileage and policy details.

• Add-ons like rental and roadside for coverage that travels better.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in North Dakota.

Best car insurance for senior drivers in North Dakota

For drivers over 65 who value expertise, stability and service, Jerry often recommends Bristol West. In the last 12 months, we’ve helped 45 ND seniors find coverage that reflects their many years of experience behind the wheel and how they actually drive now.

1. Bristol West

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Bristol West:

  • Farmers Group backing for those who care about carrier infrastructure.
  • Online payments and ID cards digitally available.
  • Optional towing and roadside service add-ons.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

How Jerry picks the best insurers in North Dakota

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real North Dakota driver data, this score evaluates insurers on:

What does all of this mean for you? Jerry options are tailored to how you actually drive and what you own, so you can make the best possible and most informed decision when shopping for coverage in North Dakota.