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Best Local Car Insurance Agencies in North Dakota

Our Recommended Top 9

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Our goal is to connect people with the best local professionals. We scored North Dakota local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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9Top Picks

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Providers

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Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

RJ Bailey Insurance Center is an agency that has been serving North Dakota since 2009. It offers a wide range the best personal and commercial auto insurance coverage options including collision, comprehensive, and liability. Coverages are also available for vehicles that were hired or are not owned by a business and the personal car that an employee uses. The agency's owner, Cory Theuninck, is a member of the National Association of Insurance and Financial Advisors (NAIFA) who has completed Safeco's Agent Development Program.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Fargo Moorhead Insurance is an independent agency that has been protecting the people of North Dakota since 1972. The firm handles both personal and business types of insurance, including auto policies. Its agents assist in finding the best auto insurance rates for different types of vehicles, such as automobiles, motorcycles, RVs, trailers, classic cars, and snowmobiles. They also search through the agency�s network of carriers to find protection solutions for life, health, homes, businesses, and farms.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Far North Insurance, Inc., provides one of the best risk management solutions to individuals and families in North Dakota. Its personal insurance products include car plans, which include collision, comprehensive, liability, and medical coverages to protect vehicle drivers from financial losses caused by accidents and theft. It also handles emergency road services. In addition, its agents write policies for boats and RVs. Far North Insurance represents multiple carriers, such as CNA Surety, Dairyland, Foremost, Progressive, and Hagerty.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Heritage Insurance Services is a family-owned and family-operated company that serves individuals, families, and businesses across North Dakota. The agency has 12 locations around the state, offering auto insurance policies from a network of insurance carriers that provide collision and comprehensive coverage. It also provides protection against uninsured or underinsured motorists in case of accidents. Optional coverages for bodily injury and property damage may also be arranged by its agents. The agency also extends its services to clients in South Dakota, Minnesota, and Arizona.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Superior Insurance Agency - Fargo is an independently owned company serving North Dakota. It offers a wide range of auto insurance coverage options including liability, rental reimbursement, accident forgiveness, diminishing deductible, roadside assistance, and personal injury protection. Bringing more than 50 years of combined experience in the field, its team of professionals partners with different insurance carriers to provide customizable solutions, such as ASI, Genworth, and Nationwide. The agency also features a combined coverage option for home and auto policies.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Serving North Dakota, Yahnke Insurance Agency offers some of the best services to clients seeking protection plans. One of its products is auto insurance. Its car insurance policies take care of damages done to the vehicle, medical expenses for the policyholder and passengers, and liability coverage for injuries caused to other people or their property. Insurance for homeowners, contractors, commercial, and agribusiness is also available. It represents different insurance carriers, allowing its agents to help clients find the coverage suitable for their needs.

Best Local Car Insurance Agencies Serving North Dakota
West Fargo

Expertise.com Rating

Why choose this provider?

Great North Insurance Services caters to clients across North Dakota. The independent and locally owned agency offers a wide range of insurance products. It provides auto insurance plans, assisting clients in selecting the best coverage suited to their specific needs. Its team also educates clients in making informed decisions.The independent agency is partnered with multiple carriers to provide clients with options that fit their needs. The company also holds licenses in 26 states.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Todd Vanyo is an insurance agent who operates a State Farm office serving families, individuals, and business owners in North Dakota. His agency offers various financial risk protection solutions, including auto, home, life, and business insurance. Its car insurance protects policyholders and their vehicles against losses or damages caused by unwanted incidents. Vanyo, who has been in the industry since 2007, also supports local causes. He joins fundraising events that give back to the members of the community.

Best Local Car Insurance Agencies Serving North Dakota
Fargo

Expertise.com Rating

Why choose this provider?

Hektner-Lybeck-Erickson Insurance is a locally owned and operated insurance agency that has been serving individuals, families, and business owners in North Dakota for more than 80 years. Its longevity in the financial sector allows it to offer the best insurance options that cater to clients' personal and commercial needs. Its team of agents provides auto insurance that covers the owner�s assets and belongings when accidents occur. It also offers life, home, business, and farm insurance products.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
RJ Bailey Insurance Center
3611 Lincoln Street South, Fargo, ND 58104
Fargo Moorhead Insurance
428 25th Street South, Fargo, ND 58103
Far North Insurance, Inc.
3357 39th Street South, Fargo, ND 58104
Heritage Insurance Services - Fargo
3441 45th Street South, Fargo, ND 58104
Superior Insurance Agency - Fargo
1002 28th Street South, Fargo, ND 58103
Yahnke Insurance Agency
1704 Main Avenue, Fargo, ND 58103
Great North Insurance
3220 4th Street East, West Fargo, ND 58078
Todd Vanyo
4675 40th Avenue South, Fargo, ND 58104
Hektner-Lybeck-Erickson Insurance
3345 39th Street South, Fargo, ND 58104

North Dakota Car Insurance Agency FAQs

  • Can you maintain your current policy issued in your previous state of residence if you transfer to North Dakota?

    No, you cannot keep your current auto insurance policy if you plan to relocate to North Dakota. The minimum amount of insurance required must be provided by a state-approved insurer. When registering a vehicle in North Dakota, you can also ask your agent to help you transfer your existing insurance policy. Furthermore, you should double check that the amount of your insurance is correctly calculated, as different states have different rate structures.

  • Should you maintain your auto insurance coverage if you are out of North Dakota for six months per year and your vehicle is in storage?

    In North Dakota, you can adjust your insurance while your car is in storage to save money. If your vehicle is in storage for 30 days or more, you must purchase comprehensive coverage to cover stolen or non-collision-related car repairs or replacement. If you still owe money on your car, your lender may require collision and comprehensive coverage. Because insurance companies may have policy-changing requirements, it is best to consult with your agent to ensure that you have adequate insurance coverage.

  • Will it affect your insurance purchase in North Dakota if you do not have a credit history?

    It may have an impact on auto insurance in North Dakota. However, some companies will consider other factors, such as your driving record or claims history, when deciding whether to insure you or how much to charge as a premium. If you believe you have a credit history but the insurer cannot find it, make sure your agent or insurance company has your correct name, address, Social Security number, and date of birth.

  • Is the setting of auto rates within the authority of the North Dakota Insurance Department?

    The North Dakota Insurance Department has no authority to set auto insurance rates. Each insurer is responsible for determining its own fees. The department's role is to act as the regulator, examining each proposed rate to ensure that it is reasonable and legal. If the insurance company decides to change its premiums, it must provide the department with supporting documentation.

  • In North Dakota, what should you do if driving without liability insurance results in the suspension of your license?

    If your license has been suspended due to driving without liability insurance, you should contact the North Dakota Department of Transportation's Driver Record Services division. By submitting the necessary documentation, you can request that your license be reinstated. This includes proving insurance coverage, paying any fines, and serving any jail time. Your insurer must also file SR-22 forms.