Best Insurance Companies in North Dakota (2026)
We ranked the top 5 insurance companies for owner-operators and fleets in North Dakota (ND). Scores based on pricing, service, technology, and midwest regional fit.
Top 5 Insurance Companies for North Dakota Truckers
Progressive Commercial
84/100Best for: Best Overall
Progressive Commercial is the largest commercial auto insurer in the United States, covering everything from single owner-operators to large fleets. Their digital-first approach, competitive quoting e...
Great West Casualty
82/100Best for: Long-Haul Carriers
Great West Casualty Company has been insuring truckers since 1956 and is one of the most respected names in commercial trucking insurance. Based in South Sioux City, Nebraska, they specialize exclusiv...
OOIDA Insurance
81/100Best for: Owner-Operators
OOIDA (Owner-Operator Independent Drivers Association) provides insurance programs exclusively for its members — independent owner-operators and small fleet owners. As a member-driven association, OOI...
Northland Insurance
80/100Best for: Small Fleets
Northland Insurance Company, a Travelers subsidiary, specializes in commercial trucking and transportation insurance for small to mid-size operations. They're known for competitive pricing for fleets ...
National Indemnity
79/100Best for: Financial Stability
National Indemnity Company is Berkshire Hathaway's flagship insurance subsidiary and one of the most financially stable insurers on the planet. While they're not exclusively a trucking insurer, their ...
Why These Insurance Companies Work Best in North Dakota
The Midwest's position as America's freight crossroads with massive distribution networks create specific demands for insurance companies in North Dakota. We evaluated each product against criteria that matter most to ND owner-operators: compatibility with oil (bakken) freight, support for operations along I-94, and value relative to the state's 23.0c/gal fuel tax and moderate freight volume.
North Dakota-Specific Buying Considerations
North Dakota's extreme cold (-40f possible); blizzards; i-94 closures affect insurance rates — carriers with clean records get better premiums
No major toll roads in ND reduces risk exposure
Truck parking availability is moderate in North Dakota — consider coverage for overnight parking incidents
Insurers familiar with midwest freight patterns can offer more competitive rates for ND carriers
Score Comparison
| Rank | Product | Score | Best For |
|---|---|---|---|
| #1 | Progressive Commercial | 84/100 | Best Overall |
| #2 | Great West Casualty | 82/100 | Long-Haul Carriers |
| #3 | OOIDA Insurance | 81/100 | Owner-Operators |
| #4 | Northland Insurance | 80/100 | Small Fleets |
| #5 | National Indemnity | 79/100 | Financial Stability |
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