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.

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.

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.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$800/yr

Save $575/yr

GEICO

Clean-record drivers · Online-first shoppers

$1,000/yr

Save $375/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$1,000/yr

Save $375/yr

Liberty Mutual head-to-head guides

Side-by-side breakdowns of the Liberty Mutual matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.

Liberty Mutual vs. Geico

~15k US searches/mo

Liberty Mutual vs. State FARM

~12k US searches/mo

Liberty Mutual vs. Allstate

~10k US searches/mo

Liberty Mutual discounts available to North Dakota drivers

RightTrack (telematics)Multi-policyOnline discountGood studentMilitaryHybrid/EV

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

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).