- The average cost of car insurance in North Dakota is $2,439 a year or $203 per month, based on our data analysis.
- Minimum liability coverage in North Dakota costs around $462 annually for limits of 25/50/25, while liability-only coverage costs $498 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in North Dakota, costing $1,978 per year.
- In North Dakota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 29%, a DUI raising rates by 88%, and an at-fault accident by up to 49%.
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 GEICO offers the most affordable car insurance at $1,978 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?
CarInsurance.com data found that drivers in North Dakota pay $203 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in North Dakota based on driver profile:
- Teen drivers in North Dakota pay the most — about $603 a month or $7,232 a year.
- Young drivers in their 20s pay an average of $325 monthly or $3,900 annually, for car insurance.
- Senior drivers pay around $194 monthly or $2,327 a year.
- A speeding ticket can increase your rates to $263 monthly or $3,157 annually.
- An at-fault accident increases car insurance rates to $304 a month or $3,646 a year.
- Poor credit drivers usually see their car insurance costs increase to $410 monthly or $4,917 annually.
Average cost of auto insurance in North Dakota by coverage level
In North Dakota, car insurance rates can differ depending on how much coverage you choose. Drivers in North Dakota are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in North Dakota, but it doesn’t offer adequate protection.
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.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in North Dakota for 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
North Dakota laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In North Dakota, you can get state minimum car insurance for $462 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in North Dakota must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in North Dakota
Liability-only car insurance costs $498 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 $2,439 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 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)
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Estimate car insurance in North Dakota by car model
In North Dakota, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. North Dakota drivers aged 30 to 60 have the lowest average auto insurance rates at $2,335 annually.
Drivers aged 16-19 pay $4,897 more for car insurance than North Dakota drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,232 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,724 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,335 annually in North Dakota.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,327 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 88% as insurers perceive you as a high-risk driver.
If you get caught speeding in North Dakota, your car insurance rates will increase by 29% 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 29% increase
- DUI conviction: 88% increase
- At-fault accident (bodily injury and property damage): 49% 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
High-risk drivers in North Dakota pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
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
In North Dakota, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in North Dakota by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in North Dakota, along with 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
Mandan is North Dakota’s most expensive city for car insurance at an average cost of $2,564 annually. West Fargo is the state’s least expensive city, with an average car insurance rate of $1,991 annually.
Car insurance costs differ from city to city in North Dakota, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of North Dakota’s major cities.
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?
The average cost of a full-coverage car insurance policy in North Dakota costs $203 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 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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