In North Dakota, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in North Dakota by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in North Dakota
Our analysis shows that the Hyundai Kona Electric and the Hyundai Venue have the lowest average insurance costs in North Dakota, with Honda HR-V and Toyota Corolla Cross close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in North Dakota and their average six-month full coverage insurance 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 costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $887.
The table below compares car insurance rates for different sports cars in North Dakota
| 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 equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $977 for a six-month full coverage policy. The Volvo XC40 and Lincoln Corsair also have affordable insurance rates at $1,035 and $1,039, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy 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 generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,830 annually, which breaks down to $236 monthly.
The table below highlights the most affordable EVs to insure in North Dakota, including their average six-month full coverage 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
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,306 to insure a Mini Cooper Electric, while insuring a Honda HR-V costs $3,325 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs 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?
With an average six-month full coverage premium of $799, the Hyundai Kona Electric is one of the least expensive SUVs to insure in North Dakota. Honda HR-V and Toyota Corolla Cross also offer affordable premiums to North Dakota drivers.
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 among the most affordable cars to insure for 18-year-old drivers in North Dakota. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and Audi RS7 come with higher insurance costs for young drivers.
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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