Liberty Mutual Auto Insurance in North Dakota
Liberty Mutual is the 5th-largest U.S. auto carrier with one of the broadest discount catalogs in the industry. RightTrack telematics is its UBI option. Here's what Liberty Mutual typically costs in North Dakota for 2026 — plus the 3 cheaper alternatives most North Dakota drivers overlook.
Estimated annual premium
$1,375
Estimated monthly
$115
North Dakota state avg
$1,325
vs North Dakota avg
+4%
Why drivers pick Liberty Mutual
Customizable policy structure — pay-as-you-go RightTrack, accident forgiveness as a paid add-on, and a 'lifetime repair guarantee' on network-shop work.
Where Liberty Mutual falls short
Mid-pack rates and customer-satisfaction scores. Where Liberty wins is on the breadth of its rider/discount catalog rather than base rate.
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 Liberty Mutual in North Dakota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Liberty Mutual for a comparable driver profile in North Dakota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Liberty Mutual discounts available to North Dakota drivers
Liberty Mutual 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 Liberty Mutual North Dakota estimate for each class:
+10% vs sedan
Liberty Mutual SUV insurance
North Dakota estimate · Toyota Highlander, Honda Pilot
+15% vs sedan
Liberty Mutual Pickup truck insurance
North Dakota estimate · Ford F-150, Chevy Silverado
+25% vs sedan
Liberty Mutual Electric Vehicle (EV) insurance
North Dakota estimate · Tesla Model 3, Tesla Model Y
Liberty Mutual 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 Liberty Mutual North Dakota estimate for each profile:
+100% vs standard
Liberty Mutual New Driver insurance
North Dakota · 16-24
-8% vs standard
Liberty Mutual Senior Driver insurance
North Dakota · 65+
+55% vs standard
Liberty Mutual SR-22 High-Risk insurance
North Dakota · any (SR-22 required)
-18% vs standard
Liberty Mutual Low-Mileage Driver insurance
North Dakota · any (<7,500 mi/yr)
Frequently asked questions
How much does Liberty Mutual auto insurance cost in North Dakota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in North Dakota runs about $1,375/year (~$115/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 Liberty Mutual cheaper than other carriers in North Dakota?
Liberty Mutual is currently about 4% above the North Dakota state average of $1,325/year. The cheaper alternatives in North Dakota are typically USAA, GEICO, Erie. Whether Liberty Mutual 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 Liberty Mutual offer discounts to North Dakota drivers?
Liberty Mutual offers 6+ discounts that North Dakota drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. 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 Liberty Mutual's national average ($1,860) 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. Liberty Mutual J.D. Power score: 805/1000. A.M. Best rating: A (2024).