Once a driver reaches age 25, they are no longer in the riskiest age category and their car insurance rates will begin to reflect that noticeably. When combined with a good driving record and few or no traffic tickets, a 25-year-old can expect to pay about $1,480 more than than they did at age 20 for a full coverage policy.

The average car insurance rate for a 25-year-old driver is about $2,259 per year or $188 per month for a full coverage policy. It’s $232 more than the average at age 24.

In North Dakota, 25-year-olds can expect to pay an average annual rate of $2,004 for a full-coverage car insurance policy.

Keep reading to learn more about car insurance for 25-year-olds in North Dakota.

Cheapest car insurance for 25-year-olds in North Dakota

An average 25-year-old driver in North Dakota pays $2,004 per year for full coverage car insurance. The chart below shows the average rates for full coverage from major insurance companies in North Dakota for male and female drivers at age 25.

Company25-year-old female25-year-old male
American Family$1,171$1,249
Nationwide$1,241$1,351
Progressive$1,664$1,696
North Star Mutual$1,959$1,959
State Farm$1,929$2,206
Auto-Owners$2,143$2,240
Farmers$2,191$2,351
Nodak Insurance$2,429$2,426
Allstate$2,445$2,615
Geico$3,807$2,385
USAA*$1,258$1,370

How much is car insurance for a 25-year-old in North Dakota each month?

As a 25-year-old in North Dakota, your car insurance premiums will vary depending on your location, coverage options, credit score, driving record and deductible amount.

The table below highlights the average monthly and annual car insurance premiums for a 25-year-old in North Dakota.

25-year-old policyAverage annual ratesAverage monthly rates
State Minimum Liability Only$388$32
50/100/50 Liability Only$420$35
100/300/100 Liability with $500 Comp/Coll Deductible$2,004$167

How do rates for 25-year-olds compare to rates for other ages in North Dakota?

Car insurance premiums are at their highest during your teenage years and decrease annually until you turn 65, when they start to rise again. The chart below shows how rates change at different ages, from your teens to 70.

AgeAverage annual ratesAverage monthly rates
16$7,032$586
20$3,483$290
25$2,004$167
40$1,665$139
65$1,578$132
70$1,563$130

Check out our detailed guide on the average car insurance rates by age

How much is car insurance for a 25-year-old male in North Dakota?

The average full coverage car insurance policy for a 25-year-old male with a $500 comprehensive/collision deductible in North Dakota is $1,986, according to CarInsurance.com data.

Coverage levelAverage annual rates for male
State Minimum Liability Only$380
50/100/50 Liability Only$404
100/300/100 Liability with $500 Comp/Coll Deductible$1,986

The Insurance Institute for Highway Safety reports that 25- to 30-year-old males were involved in 1,848 fatal accidents in 2020 – a rate of about 15.6 per 100,000 male drivers. That’s still high compared to the accident rates for males in their 30s and 40s, but it is trending down from the fatality rates for those in their early 20s.

How much is car insurance for a 25-year-old female in North Dakota?

With a good driving record and credit score, female drivers will notice their insurance rates have dropped substantially at age 25.

The average national cost of a full coverage insurance policy for a 25-year-old female with a $500 comprehensive/collision deductible is $2,224. In North Dakota, the average annual cost for a full coverage policy is $2,021, $203 less than the national rate for 25-year-old females.

See other rates in the table below.

Coverage levelAverage annual rates for female
State Minimum Liability Only$396
50/100/50 Liability Only$437
100/300/100 Liability with $500 Comp/Coll Deductible$2,021

What’s the best car insurance for 25-year-old drivers in North Dakota?

By the age of 25, many young adults begin to build their finances and can afford more than liability car insurance, which covers injuries and damage inflicted on others in an accident up to your policy’s limits. However, state-mandated minimum coverage often falls short, particularly as medical costs can add up significantly in case of a severe accident.

As young adults start to have more disposable income, it’s wise to consider adding comprehensive and collision coverage, especially if they’re financing a car. Opting for a higher deductible can reduce your insurance premium, but remember, you’ll need to cover the deductible if you file a claim.

Ultimately, the best car insurance for a 25-year-old driver is the one that fits their specific needs. CarInsurance.com’s Best Insurance Companies survey found that the American Family is the best insurance company for young drivers and teens.

To make an informed choice, consider a company’s National Association of Insurance Commissioners (NAIC) score, which ranks an insurer based on the number of customer complaints it receives, its J.D. Power auto claims satisfaction rating and AM Best data, which evaluates financial stability.

Car insurance discounts for 25-year-olds in North Dakota

Kevin Lynch, an assistant professor of insurance at The American College of Financial Services in Bryn Mawr, Penn., stresses that the three biggest favors any young adult can do for themselves in terms of getting the lowest insurance rates are to stay accident-free, have a clean driving record and maintain a good credit score.

“They’re the essentials of getting affordable insurance,” he says. “After that, you can look at a variety of other things such as affiliated discounts, bundling insurance policies and perhaps an in-car monitoring device.”

Other car insurance discounts that might be available:

  • Good driver/safe driver: Up to 30%
  • Multi-policy discounts: Up to 13%
  • Lower annual mileage/driving less: Up to 9%
  • Usage-based discount programs/telematics: Up to 10%
  • Paperless discount/autopay: Up to 4%
  • Loyalty discount: Up to 11%
  • Anti-theft devices: Up to 2%

Beyond discounts, be mindful of the type of car you buy. A practical, safe and reliable car will have a much lower insurance rate than a sports or luxury vehicle.

Compare rates on car models like the top teen and young adult-ready cars that cost less than $15,000 with high safety ratings.

Guide: How to lower car insurance costs

Final thoughts on car insurance for 25-year-olds in North Dakota

As you gain more driving experience, your auto insurance rates will decrease. The even better news is that your rates will keep decreasing as you age. It’s crucial to compare quotes from multiple insurers in North Dakota to find the best rate and coverage options tailored to your needs.

Resources & Methodology

Sources

  1. Insurance Institute for Highway Safety, Highway Loss Data Institute. “Fatality Facts 2020, Males and Females.” Accessed March 2025.
  2. National Association of Insurance Commissioners. “NAIC Score” Accessed March 2025.
  3. J.D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed March 2025.
  4. AM Best. “AM Best Ratings” Accessed March 2025.

Methodology

CarInsurance.com gathered auto insurance rates from Quadrant Information Services for 25-year-old male and female drivers across various coverage levels: state minimum, 50/100/50 liability, and 100/300/100 full coverage with a $500 deductible.

The rates were obtained using a sample profile of a 25-year-old individual driving a Honda Accord LX with no history of traffic violations and a good insurance score. To evaluate the rates, we compared 53,409,632 insurance quotes from 170 regional and national insurance companies, encompassing 34,588 ZIP codes across the United States.

Note: USAA is only available to military community members and their families.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.