Progressive Auto Insurance in North Dakota
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in North Dakota for 2026 — plus the 3 cheaper alternatives most North Dakota drivers overlook.
Estimated annual premium
$1,200
Estimated monthly
$100
North Dakota state avg
$1,325
vs North Dakota avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
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 Progressive in North Dakota
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in North Dakota. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to North Dakota drivers
Progressive 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 Progressive North Dakota estimate for each class:
Progressive 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 Progressive North Dakota estimate for each profile:
+100% vs standard
Progressive New Driver insurance
North Dakota · 16-24
-8% vs standard
Progressive Senior Driver insurance
North Dakota · 65+
+55% vs standard
Progressive SR-22 High-Risk insurance
North Dakota · any (SR-22 required)
-18% vs standard
Progressive Low-Mileage Driver insurance
North Dakota · any (<7,500 mi/yr)
Frequently asked questions
How much does Progressive auto insurance cost in North Dakota?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in North Dakota runs about $1,200/year (~$100/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 Progressive cheaper than other carriers in North Dakota?
Yes — Progressive typically runs about 9% 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 Progressive 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 Progressive offer discounts to North Dakota drivers?
Progressive offers 6+ discounts that North Dakota drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. 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 Progressive's national average ($1,633) 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. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).