When it comes to estimating the cost of car insurance in North Dakota, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in North Dakota at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in North Dakota.
- The average annual cost of a full coverage policy in North Dakota with liability limits of 100/300/100 is $1,665 or $139 per month.
- The minimum liability coverage in North Dakota costs around $349 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator North Dakota: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in North Dakota?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in North Dakota by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,633 |
| Electric | $2,395 |
| Hatchback | $1,689 |
| Hybrid | $1,984 |
| Luxury Car | $2,912 |
| Luxury SUV | $2,343 |
| Minivan | $1,624 |
| Performance SUV | $3,002 |
| Sedan | $1,802 |
| Sports Car | $3,049 |
| Station Wagon | $2,232 |
| SUV | $1,610 |
| Truck | $1,886 |
| Van | $1,447 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in North Dakota by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
North Dakota car insurance estimates for used cars
Car insurance estimates for used cars in North Dakota are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in North Dakota.
Use the calculator below to determine your car insurance rates for used cars in North Dakota, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple stepsFAQ: How to estimate car insurance rates before buying a car in North Dakota
How much auto insurance do I need in North Dakota?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including North Dakota. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in North Dakota per month?
The monthly cost of full coverage car insurance in North Dakota, including collision, comprehensive, and 100/300/100 liability, is $139. For state minimum liability, it’s $29 per month, while liability coverage with 50/100/50 limits costs $31 monthly.
Does your age impact how much you pay for insurance in North Dakota?
Young drivers often pay more for car insurance in North Dakota due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
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Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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