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.
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 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?
In North Dakota, drivers pay an average of $139 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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 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 | 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.
In North Dakota, you can get state minimum car insurance for $349 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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in North Dakota
According to CarInsurance.com data, liability-only car insurance costs $370 in North Dakota for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
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.
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.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
North Dakota car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in North Dakota by car model
Car insurers in North Dakota use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less 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 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. North Dakota drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $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.
If you get caught speeding in North Dakota, your car insurance rates will increase by 21% 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.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in North Dakota for high-risk drivers
In North Dakota, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet 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
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.
Compare the best car insurance options in North Dakota by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in North Dakota and their average 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 the priciest city in North Dakota for car insurance, costing an average of $1,860 annually. On the other hand, West Fargo is the most affordable city, where drivers pay an average of $1,378 per year for car insurance.
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?
Car insurance in North Dakota costs an average of $139 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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