Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in North Dakota Average car insurance cost in North Dakota The average premium for car insurance in North Dakota is $1,665 per year or $139 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in North Dakota. On average, car insurance in North Dakota costs $1,665 annually or $139 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $230 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in North Dakota, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $1,665 Average per month cost $139 Average cost for state minimum coverage $349 / Year Cheapest car insurance company American Family($1,092 / Year) Average cost for young drivers $2,667 / Year Average cost for Senior drivers $1,628 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in North Dakota costs $1,665 per year.In North Dakota, the average premium for car insurance is $139 per month.At $1,092 a year, American Family has the cheapest car insurance rates in North Dakota.Average car insurance cost in North Dakota per monthIn North Dakota, the monthly rate for car insurance is $139.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in North Dakota, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in North DakotaThe table below lists the other available car insurance companies which offer car insurance in North Dakota, along with their average cost per month and average annual cost. Affordable car insurance providers in North Dakota Graph Table Company nameAverage per month costAverage annual costAmerican Family$91$1,092Nationwide$96$1,152Progressive$117$1,403Auto-Owners$143$1,717State Farm$145$1,738Geico$148$1,773North Star Mutual$163$1,959Farmers$173$2,077Nodak Insurance$186$2,233Allstate$195$2,339USAA$69$826 Read our guide to cheap car insurance companies North Dakota car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State North Dakota Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,817/Year OR $151/month North Dakota Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in North DakotaThe extent of coverage you select determines car insurance costs in North Dakota. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in North Dakota amounts to $370.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in North Dakota stands at $1,665.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In North Dakota, the average annual cost for non-owner state minimum liability coverage stands at $209.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $349 in North Dakota.1State minimum:$3492Liability only:$3703Full coverage:$1,6654Non-owners:$209Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in North Dakota by cityBismarckFargoGrand ForksMinotAverage car insurance cost in North Dakota by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in North Dakota:CityAverage annual costBismarck$1,596Dickinson$1,614Fargo$1,379Grand Forks$1,407Jamestown$1,491Mandan$1,622Minot$1,598Wahpeton$1,547West Fargo$1,378Williston$1,641Average car insurance cost in North Dakota by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in North Dakota is $2,667, whereas for seniors, it’s $1,628. The rate for young drivers surpasses that of senior drivers by $1,039.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in North Dakota for young driversFor female young drivers in North Dakota, the average annual car insurance cost is $2,582, and $215 per month. Conversely, male young drivers face an average annual rate of $2,751, and $229 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,635 $3,332 21 $2,854 $2,662 22 $2,667 $2,363 23 $2,359 $2,322 24 $2,241 $2,231 Average car insurance cost in North Dakota for senior driversFor senior female drivers in North Dakota, the annual cost of car insurance is $1,551, or $129 per month. Similarly, male senior drivers face an annual insurance rate of $1,704, or $142 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,587 $1,570 70 $1,663 $1,463 75 $1,864 $1,621 Read more about senior car insuranceMinimum car insurance requirements in North DakotaEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the North Dakota Department of Insurance, the required coverages and minimum coverage limits in North Dakota are as follows:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in North DakotaAccording to Insure.com data study, Honda HR-V has the lowest premium of $1,327. Kia Seltos is followed closely at $1,347 per year. The difference in the cost of insuring these two models is $20 annually.MakeModelAverage annual premiumHondaHR-V$1,327KiaSeltos$1,347HyundaiVenue$1,353ChevroletTrailBlazer$1,370MazdaCX-30$1,381ToyotaCorolla Cross$1,395HondaCR-V$1,408HyundaiKona Electric$1,410VolkswagenTaos$1,419FordMaverick$1,421Most expensive cars to insure in North DakotaTopping the list as the most expensive car to insure is the Maserati Quattroporte, at an average annual premium of $6,926. Notably, the annual difference between the least and most expensive cars to insure amounts to $5,599.MakeModelAverage annual premiumMaseratiQuattroporte$6,926MaseratiQuattroporte Trofeo$6,720MaseratiGhibli Trofeo$6,574AudiR8 Performance$5,881MaseratiGhibli$5,506BMWM8$5,430MercedesS Class$5,003AudiS8$4,965AudiRS6 Avant$4,860PorschePanamera Turbo S E-Hybrid$4,830MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in North-Dakota Non-owner auto insurance in North Dakota Average renters insurance cost in North Dakota Average homeowners insurance cost in North Dakota In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in North Dakota per monthCheapest car insurance companies in North DakotaAverage cost of car insurance by coverage levels in North DakotaAverage car insurance cost in North Dakota by cityAverage car insurance cost in North Dakota by age of the driverMinimum car insurance requirements in North DakotaCheapest cars to insure in North DakotaMost expensive cars to insure in North DakotaMethodology ZIP Code Please enter valid ZIP See rates