Mercury Auto Insurance in North Dakota
Mercury Insurance is a California-based carrier writing in 11 states (CA, AZ, NV, OK, TX, IL, NY, NJ, FL, GA, VA). Particularly strong in California where it's a top-5 auto insurer with deep regulatory expertise around Prop 103. Here's what Mercury typically costs in North Dakota for 2026 — plus the 3 cheaper alternatives most North Dakota drivers overlook.
Estimated annual premium
$1,100
Estimated monthly
$92
North Dakota state avg
$1,325
vs North Dakota avg
-17%
Why drivers pick Mercury
Top-5 California auto insurer with the deepest Prop 103-compliant pricing model — Mercury rates Californians based on driving record + miles + experience (the 3 inputs allowed by California law) more precisely than most national carriers.
Where Mercury falls short
Limited footprint (11 states). Customer-service satisfaction lags top-tier carriers (J.D. Power 810 vs. industry leader 890).
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 Mercury in North Dakota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Mercury for a comparable driver profile in North Dakota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Mercury discounts available to North Dakota drivers
Mercury 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 Mercury North Dakota estimate for each class:
Mercury 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 Mercury North Dakota estimate for each profile:
+100% vs standard
Mercury New Driver insurance
North Dakota · 16-24
-8% vs standard
Mercury Senior Driver insurance
North Dakota · 65+
Mercury NOT ELIGIBLE
Mercury SR-22 High-Risk insurance
North Dakota · any (SR-22 required)
-18% vs standard
Mercury Low-Mileage Driver insurance
North Dakota · any (<7,500 mi/yr)
Frequently asked questions
How much does Mercury auto insurance cost in North Dakota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Mercury in North Dakota runs about $1,100/year (~$92/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 Mercury cheaper than other carriers in North Dakota?
Yes — Mercury typically runs about 17% 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 Mercury 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 Mercury offer discounts to North Dakota drivers?
Mercury offers 6+ discounts that North Dakota drivers can stack: Multi-policy, Anti-theft, Auto-pay, Good student, Paperless, Mercury home/condo bundle. 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 Mercury's national average ($1,495) 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. Mercury J.D. Power score: 810/1000. A.M. Best rating: A (2024).