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 American Family offers the most affordable car insurance at $1,092 per year.
This guide makes buying car insurance in North Dakota easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in North Dakota works and how much insurance you need.
- American Family provides the most affordable annual rates for full coverage car insurance in North Dakota, costing $1,092 per year.
- In North Dakota, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in North Dakota costs $349 annually for limits of 25/50/25, while liability-only coverage costs $370 per year for limits of 50/100/50.
- In North Dakota, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 21%, a DUI raising rates by 77%, and an at-fault accident by up to 36%.
How much is car insurance in North Dakota?
CarInsurance.com data found that drivers in North Dakota pay $139 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in North Dakota by coverage level
Car insurance costs in North Dakota can differ based on the coverage limit. To legally drive, North Dakota residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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 | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $29 | $349 |
| Liability Only – 50/100/50 BI/PD | $31 | $370 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $139 | $1,665 |
State minimum car insurance in North Dakota
North Dakota’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum coverage in North Dakota costs $349 a year but doesn’t provide much protection for drivers. North Dakota drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra 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 $370 in North Dakota for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in North Dakota
On average, premiums for full coverage car insurance in North Dakota cost $1,665 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
You might also like
- Best car insurance companies in North Dakota
- Non-owner car insurance in North Dakota: Find affordable rates
- Liability insurance for North Dakota drivers
- Minimum car insurance requirements in North Dakota
- North Dakota car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in North Dakota?
- Cheap car insurance for seniors in North Dakota
- Car insurance discounts in North Dakota; 12% potential savings
- What’s the cheapest car insurance in North Dakota?
Calculate the cost of car insurance in North Dakota
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in North Dakota have to bear greater financial burdens than those in areas with lower risks.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
North Dakota Car Insurance Rates by ZIP Code
Estimate car insurance in North Dakota by car model
North Dakota car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or 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 $1,654 annually.
Drivers aged 16-19 pay $3,822 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 $5,476 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,556 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,654 annually in North Dakota.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,628 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in North Dakota can increase your premiums by up to 77% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in North Dakota, you’ll likely see an increase in your car insurance premium by up to 21% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in North Dakota following driving incidents:
- Speeding ticket: Up to 21% increase
- DUI conviction: 77% increase
- At-fault accident (bodily injury and property damage): 36% 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 this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| American Family | $1,092 |
| USAA | $1,187 |
| Nationwide | $1,826 |
| State Farm | $1,956 |
| Progressive | $2,060 |
| Auto-Owners | $2,083 |
| Geico | $3,029 |
| Allstate | $3,153 |
| Farmers | $3,360 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in North Dakota
Drivers in North Dakota can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in North Dakota by getting quotes from multiple insurance providers and comparing them.
Below are the details of North Dakota car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| American Family | $171 | $177 | $1,092 |
| Nationwide | $379 | $351 | $1,152 |
| Progressive | $388 | $417 | $1,403 |
| Auto-Owners | $289 | $317 | $1,717 |
| State Farm | $317 | $348 | $1,738 |
| Geico | $270 | $285 | $1,773 |
| North Star Mutual | $275 | $300 | $1,959 |
| Farmers | $607 | $638 | $2,077 |
| Nodak Insurance | $239 | $267 | $2,233 |
| Allstate | $740 | $793 | $2,339 |
| USAA | $163 | $176 | $826 |
Car insurance rates by city in North Dakota
Selfridge is North Dakota’s most expensive city for car insurance at an average cost of $1,860 annually. West Fargo is the state’s least expensive city, with an average car insurance rate of $1,378 annually.
Car insurance rates vary by city in North Dakota for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in North Dakota.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $743 |
| Nationwide | $1,097 |
| American Family | $1,100 |
| Progressive | $1,321 |
| Geico | $1,423 |
| State Farm | $1,537 |
| Auto-Owners | $1,584 |
| Farmers | $1,905 |
| Nodak Insurance | $2,194 |
| Allstate | $2,303 |
| North Star Mutual | $2,344 |
How much does car insurance cost in North Dakota per month?
In North Dakota, a full coverage car insurance policy with 100/300/100 limits typically costs about $139 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $29 |
| Liability Only – 50/100/50 BI/PD | $31 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $139 |
Final thoughts on choosing car insurance in North Dakota
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in North Dakota.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.