USAA North Dakota Auto Insurance Rates
Median premium: $432/6mo across 407 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How USAA Compares in North Dakota
Median 6-month premium across all rated ZIPs. USAA highlighted in blue.
Geographic Detail
Cheapest Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Absaraka | $367 | -43% |
| Dahlen | $367 | -43% |
| Maida | $367 | -43% |
Most Expensive Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| West Fargo | $502 | -22% |
| Grand Forks Afb | $471 | -26% |
| Mandan | $458 | -28% |
USAA North Dakota Insurance FAQ
ZIP Code Lookup
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Other carriers in North Dakota
USAA ranks #1 out of 10 carriers in North Dakota with a median 6-month premium of $432. This places USAA 33% below the statewide median of $640. The carrier covers 407 ZIP codes across the state, with premiums ranging from $367 to $502.
USAA is the cheapest option in 100% of North Dakota ZIP codes (407 ZIPs). The most affordable USAA rates are found in Absaraka, where the average premium is just $367. On the other end, West Fargo has the highest USAA premiums, averaging $502 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 10 carriers, 407 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.