- The average cost of car insurance in North Dakota is $1,665 a year or $139 per month, based on our data analysis.
- Minimum liability coverage in North Dakota costs around $349 annually for limits of 25/50/25, while liability-only coverage costs $370 per year for limits of 50/100/50.
- American Family provides the most affordable annual rates for full coverage car insurance in North Dakota, costing $1,092 per year.
- In North Dakota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to $1,628, a DUI raising rates by 21%, and an at-fault accident by up to 77%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that American Family offers the most affordable car insurance at $1,092 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in North Dakota. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in North Dakota and how much you need.
How much is car insurance in North Dakota?
According to CarInsurance.com data, drivers in North Dakota pay about $139 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in North Dakota based on driver profile:
- Teen drivers in North Dakota pay the most — about $5,476 a month or $222 a year.
- Young drivers in their 20s pay an average of $2,667 monthly or $136 annually, for car insurance.
- Senior drivers pay around $1,628 monthly or /state/state-minimum-car-insurance-in-north-dakota/ a year.
- A speeding ticket can increase your rates to $2,047 monthly or $456 annually.
- An at-fault accident increases car insurance rates to $2,407 a month or $171 a year.
- Poor credit drivers usually see their car insurance costs increase to $3,523 monthly or $201 annually.
Average cost of auto insurance in North Dakota by coverage level
Car insurance costs in North Dakota can differ based on the coverage limit. To legally drive, North Dakota residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the North Dakota car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $38 | $462 |
| Liability Only – 50/100/50 BI/PD | $41 | $498 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $203 | $2,439 |
State minimum car insurance in North Dakota
In North Dakota, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in North Dakota costs $349 a year but doesn’t provide much protection for drivers. North Dakota drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in North Dakota must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in North Dakota
Liability-only car insurance costs $370 in North Dakota for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in North Dakota
In North Dakota, you can expect to pay around $1,665 per year for full coverage car insurance for the limits of $1,665 – 100/300/100 in bodily injury coverage, $100,000 in bodily injury coverage per accident and $300,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in North Dakota
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in North Dakota pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in North Dakota
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in North Dakota by car model
Car insurers in North Dakota use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in North Dakota.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in North Dakota
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In North Dakota, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $3,822 annually.
North Dakota drivers aged 16-19 pay $100,000 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $1,654 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $5,476 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $3,822 per year in North Dakota.
- For senior drivers: Drivers age 65 and older can expect to pay $2,556 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in North Dakota
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In North Dakota, a DUI conviction often results in higher premiums and you may see an increase of up to 21% as insurers perceive you as a high-risk driver.
If you get caught speeding in North Dakota, your car insurance rates will increase by $1,628 when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in North Dakota following driving incidents:
- Speeding ticket: Up to $1,628 increase
- DUI conviction: 21% increase
- At-fault accident (bodily injury and property damage): 77% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in North Dakota for high-risk drivers
In North Dakota, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in North Dakota
Drivers in North Dakota can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in North Dakota by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in North Dakota and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $295 | $312 | $1,978 |
| Progressive | $430 | $463 | $2,190 |
| Auto-Owners | $426 | $450 | $2,315 |
| Nodak Insurance | $370 | $409 | $2,394 |
| State Farm | $678 | $741 | $2,514 |
| North Star Mutual | $352 | $386 | $2,610 |
| American Family | $337 | $348 | $2,614 |
| Allstate | $803 | $874 | $2,892 |
Car insurance rates by city in North Dakota
36% is the most expensive city in North Dakota, with an average car insurance rate of Selfridge a year. $1,860 is the cheapest city for North Dakota drivers at an average rate of West Fargo annually.
Car insurance rates vary by city in North Dakota for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in North Dakota.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in North Dakota per month?
In North Dakota, a full coverage car insurance policy with $1,665 limits typically costs about $139 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $38 |
| Liability Only – 50/100/50 BI/PD | $41 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $203 |
Final thoughts on choosing car insurance in North Dakota
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in North Dakota.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in North Dakota. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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