Auto-Owners Auto Insurance in North Dakota
Auto-Owners is a Michigan-based mutual insurance company licensed in 26 states (primarily Midwest + Southeast). Despite the regional footprint, it consistently posts top-3 J.D. Power customer-satisfaction scores nationwide and operates exclusively through independent agents. Here's what Auto-Owners typically costs in North Dakota for 2026 — plus the 3 cheaper alternatives most North Dakota drivers overlook.
Estimated annual premium
$1,025
Estimated monthly
$85
North Dakota state avg
$1,325
vs North Dakota avg
-23%
Why drivers pick Auto-Owners
Highest customer-satisfaction scores in the company's 26-state footprint (only USAA scores higher industry-wide). Lowest NAIC complaint ratio of the 14 carriers in this matrix.
Where Auto-Owners falls short
Not available in 24 states (mostly Pacific + Northeast + parts of the South). Independent-agent-only channel means no direct online quote — you'll need a phone call or agent visit.
North Dakota minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $25K
- No-Fault State: Personal Injury Protection (PIP) coverage required
No-fault state with $30k PIP. Low population density helps keep base rates moderate.
Cheaper alternatives to Auto-Owners in North Dakota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Auto-Owners for a comparable driver profile in North Dakota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Auto-Owners discounts available to North Dakota drivers
Auto-Owners North Dakota rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Auto-Owners North Dakota estimate for each class:
Auto-Owners North Dakota rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Auto-Owners North Dakota estimate for each profile:
+100% vs standard
Auto-Owners New Driver insurance
North Dakota · 16-24
-8% vs standard
Auto-Owners Senior Driver insurance
North Dakota · 65+
Auto-Owners NOT ELIGIBLE
Auto-Owners SR-22 High-Risk insurance
North Dakota · any (SR-22 required)
-18% vs standard
Auto-Owners Low-Mileage Driver insurance
North Dakota · any (<7,500 mi/yr)
Frequently asked questions
How much does Auto-Owners auto insurance cost in North Dakota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Auto-Owners in North Dakota runs about $1,025/year (~$85/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Auto-Owners cheaper than other carriers in North Dakota?
Yes — Auto-Owners typically runs about 23% below the North Dakota state average ($1,325/year for all carriers combined). The cheaper alternatives in North Dakota are typically USAA, GEICO, Erie. Whether Auto-Owners is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the North Dakota minimum coverage requirements?
North Dakota requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. North Dakota is a no-fault state, so personal injury protection (PIP) is also required. No-fault state with $30k PIP. Low population density helps keep base rates moderate.
Does Auto-Owners offer discounts to North Dakota drivers?
Auto-Owners offers 7+ discounts that North Dakota drivers can stack: Multi-policy, Multi-car, Paid in full, Paperless billing, Safety features, Teen driver monitor, Group affinity. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Auto-Owners's national average ($1,395) multiplied by North Dakota's state-vs-national premium index ($1,325 ÷ national average $1,789 ≈ 0.74x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Auto-Owners J.D. Power score: 850/1000. A.M. Best rating: A++ (2024).