Nationwide Auto Insurance in North Dakota
Nationwide is the 8th-largest U.S. auto carrier with a mid-sized footprint and SmartRide telematics. It's also a major Member-owned cooperative offering both direct and agent channels. Here's what Nationwide typically costs in North Dakota for 2026 — plus the 3 cheaper alternatives most North Dakota drivers overlook.
Estimated annual premium
$1,225
Estimated monthly
$102
North Dakota state avg
$1,325
vs North Dakota avg
-8%
Why drivers pick Nationwide
On Your Side Review program — a structured annual review with an agent to find unused discounts. SmartMiles pay-per-mile option for low-mileage drivers.
Where Nationwide falls short
Coverage gaps in some western states; SmartMiles is unavailable in several states (CA, NC, NY).
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 Nationwide in North Dakota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Nationwide for a comparable driver profile in North Dakota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Nationwide discounts available to North Dakota drivers
Nationwide 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 Nationwide North Dakota estimate for each class:
Nationwide 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 Nationwide North Dakota estimate for each profile:
+100% vs standard
Nationwide New Driver insurance
North Dakota · 16-24
-8% vs standard
Nationwide Senior Driver insurance
North Dakota · 65+
+55% vs standard
Nationwide SR-22 High-Risk insurance
North Dakota · any (SR-22 required)
-18% vs standard
Nationwide Low-Mileage Driver insurance
North Dakota · any (<7,500 mi/yr)
Frequently asked questions
How much does Nationwide auto insurance cost in North Dakota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Nationwide in North Dakota runs about $1,225/year (~$102/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 Nationwide cheaper than other carriers in North Dakota?
Yes — Nationwide typically runs about 8% 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 Nationwide 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 Nationwide offer discounts to North Dakota drivers?
Nationwide offers 5+ discounts that North Dakota drivers can stack: SmartRide (telematics), SmartMiles (per-mile), Multi-policy, Accident-free, Defensive driving. 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 Nationwide's national average ($1,640) 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. Nationwide J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).