Car insurance premiums in North Dakota can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in North Dakota by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in North Dakota
In North Dakota, Hyundai Kona Electric and Hyundai Venue have the cheapest car insurance rates, followed by Honda HR-V and Toyota Corolla Cross, based on our research.
The table below highlights the most affordable vehicles to insure in North Dakota, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Kona Electric | $799 |
| Hyundai Venue | $819 |
| Honda HR-V | $821 |
| Toyota Corolla Cross | $824 |
| Honda CR-V | $833 |
| Mini Cooper Electric | $836 |
| Chrysler Voyager | $837 |
| Chevrolet Trax | $846 |
| Chevrolet TrailBlazer | $847 |
| Volkswagen Taos | $870 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in North Dakota
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in North Dakota
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $990. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $991, followed by Honda Civic Sedan, which costs $1,001 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in North Dakota and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $990 |
| Nissan Versa | $991 |
| Honda Civic Sedan | $1,001 |
| Nissan Sentra | $1,011 |
| Kia Forte | $1,012 |
| Honda Accord | $1,023 |
| Toyota Corolla | $1,055 |
| Volkswagen Jetta GLI | $1,057 |
| Hyundai Elantra | $1,057 |
| Toyota Camry | $1,063 |
| Volkswagen Jetta | $1,068 |
| Chevrolet Malibu | $1,083 |
| Mazda 3 Sedan | $1,105 |
| Mitsubishi Mirage G4 | $1,117 |
| Hyundai Sonata | $1,121 |
| Kia K5 | $1,122 |
| Nissan Altima | $1,130 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in North Dakota
The Hyundai Kona Electric and Honda HR-V have the lowest car insurance rates, at $799 and $821, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $821 |
| Toyota Corolla Cross | $824 |
| Honda CR-V | $833 |
| Chevrolet Trax | $846 |
| Chevrolet TrailBlazer | $847 |
| Volkswagen Taos | $870 |
| Kia Sportage | $873 |
| Kia Seltos | $875 |
| Hyundai Kona | $877 |
| Mazda CX-5 | $887 |
| Jeep Wrangler | $895 |
| Chevrolet Equinox | $896 |
| Ford Escape | $900 |
| Hyundai Tucson | $904 |
| Mazda CX-30 | $905 |
| Subaru Forester | $908 |
| Honda Pilot | $915 |
| Toyota RAV4 | $919 |
| Honda Passport | $921 |
| Chevrolet Traverse | $923 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in North Dakota
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $887.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $887 |
| Chevrolet Camaro | $1,166 |
| Honda Civic Si | $1,173 |
| Ford Mustang | $1,282 |
| Toyota GR86 | $1,290 |
| Subaru WRX | $1,298 |
| Subaru BRZ | $1,358 |
| Honda Civic Type R | $1,432 |
| Toyota GR Corolla | $1,495 |
| Toyota GR Supra | $1,496 |
| BMW Z4 | $1,505 |
| Chevrolet Camaro ZL1 | $1,623 |
| Nissan Z | $1,638 |
| Porsche 718 Boxster | $1,656 |
| Chevrolet Corvette | $1,720 |
| Porsche 718 Cayman | $1,806 |
| Jaguar F-Type | $2,207 |
| Chevrolet Corvette Z06 | $2,276 |
| Porsche 911 | $2,464 |
| Porsche 911 GT3 | $2,604 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in North Dakota
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $977 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,035) and Lincoln Corsair ($1,039).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $977 |
| Volvo XC40 | $1,035 |
| Lincoln Corsair | $1,039 |
| Acura MDX | $1,057 |
| Cadillac XT4 | $1,093 |
| BMW X1 | $1,107 |
| Cadillac XT5 | $1,114 |
| Acura Integra | $1,116 |
| Volvo XC60 | $1,122 |
| Audi Q3 | $1,123 |
| BMW X2 | $1,134 |
| BMW X3 | $1,139 |
| Mercedes-Benz GLA-Class | $1,145 |
| Alfa-Romeo Tonale | $1,148 |
| Lexus RX | $1,159 |
| Mercedes-Benz GLB-Class | $1,164 |
| Lexus NX | $1,165 |
| Lincoln Aviator | $1,180 |
| Cadillac XT6 | $1,185 |
| Acura TLX | $1,208 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in North Dakota
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $2,830 a year or $236 a month.
Below is a list of the most affordable EVs to insure in North Dakota for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Hyundai Kona Electric | $799 |
| Mini Cooper Electric | $836 |
| Kia Niro EV | $891 |
| Volkswagen ID.4 | $946 |
| Nissan Leaf | $1,008 |
| Chevrolet Silverado EV | $1,084 |
| Ford F-150 Lightning | $1,136 |
| Audi Q4 e-tron | $1,153 |
| Toyota bZ4X | $1,195 |
| Subaru Solterra | $1,204 |
| Hyundai Ioniq 5 | $1,221 |
| Mercedes-Benz EQB | $1,261 |
| Ford Mustang Mach-E | $1,266 |
| Toyota Mirai | $1,275 |
| Kia EV6 | $1,283 |
| Volvo XC40 Recharge | $1,299 |
| Hyundai Ioniq 6 | $1,305 |
| Chevrolet Blazer EV | $1,330 |
| Cadillac LYRIQ | $1,344 |
| Kia EV9 | $1,344 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in North Dakota
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Mini Cooper Electric is $3,306, while insuring a Honda HR-V costs $3,325 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in North Dakota?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Hyundai Kona Electric costs $799, whereas the cost of insuring a Mini Cooper Electric is $836 for the same coverage.
Which SUVs are the cheapest to insure in North Dakota?
The Hyundai Kona Electric is one of the cheapest SUVs to insure in North Dakota, with an average cost of $799 for a six-month car insurance plan. The Honda HR-V and Toyota Corolla Cross also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in North Dakota?
The Mini Cooper Electric, Honda HR-V, Honda CR-V and Hyundai Kona Electric are some of the cheapest cars to insure for 18-year-olds in North Dakota. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Audi RS7 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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