In North Dakota, the average yearly cost for full car insurance coverage is $972, while minimum coverage averages $417. These rates are $324 and $178 less, respectively, compared to the national average.
Average Cost of Car Insurance in North Dakota
Updated: December 24, 2024
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Key Takeaways
Drivers in the Sioux State pay about 25% less for full coverage car insurance than the national average.
For state minimum coverage, residents pay roughly 30% less compared to the national average.
The average cost for full coverage is $972, and for minimum coverage, it's $417, making it one of the more affordable places for car insurance.
How Much Is Car Insurance in North Dakota?
| Full Coverage | $972 | $1,296 | -25% |
| State Minimum Liability Only | $417 | $595 | -30% |
Read More: Average Cost of Car Insurance
North Dakota Car Insurance Rates by Coverage Level
Your choice of coverage level directly impacts your car insurance rate in the Sioux State. Opting for higher liability limits and full coverage can raise your rate, but choosing a higher deductible may reduce your premium. Here are the average rates for minimum coverage and full coverage in North Dakota, considering different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,149 | $500 |
| 100/300/100 | Full Coverage | $1,102 | $0 |
| State Minimum | Full Coverage | $1,057 | $500 |
| 300/500/300 | Full Coverage | $1,019 | $1,000 |
| 300/500/300 | Full Coverage | $982 | $1,500 |
| 100/300/100 | Full Coverage | $972 | $1,000 |
| 100/300/100 | Full Coverage | $935 | $1,500 |
| State Minimum | Full Coverage | $927 | $1,000 |
| State Minimum | Full Coverage | $890 | $1,500 |
| 300/500/300 | Liability Only | $542 | $0 |
| 100/300/100 | Liability Only | $477 | $0 |
| State Minimum | Liability Only | $417 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average North Dakota Car Insurance Cost by City
Car insurance costs in North Dakota can change based on crime, traffic, weather, and repair costs. In Fargo, drivers pay about $720 for full coverage, which is less than the state's average. For minimum coverage, Fargo's rate is $347. Compare these rates to other cities by looking at the table below.
| Fargo | $720 | -62% | $347 | -68% |
Average North Dakota Car Insurance Cost by Age
In North Dakota, your age can drive up car insurance costs, with younger drivers shelling out more due to higher risk perception. On average, 25-year-olds pay 17% more for full coverage and 14% more for state minimum than 40-year-olds, while those same young drivers pay 33% and 18% more, respectively, than 65-year-olds.
| 25 | $1,171 | $477 |
| 40 | $972 | $417 |
| 65 | $883 | $405 |
While age often affects car insurance prices, folks in California, Massachusetts, and Hawaii won't see their birthdate change their rates. These states keep it fair for drivers of all ages.
Car Insurance Costs in North Dakota for Young Drivers by Gender
In North Dakota, young drivers face higher car insurance costs due to a greater risk of accidents. On average, drivers aged 18 to 25 pay $1,166 per year when added to a family policy, which is 34% less than the $1,567 they would pay for an individual policy.
Gender also plays a role in determining insurance rates for young North Dakota residents. Female drivers in the same age group pay an average of $1,467 annually for individual coverage and $1,115 on a family plan, saving more compared to male drivers who pay $1,667 and $1,217 respectively. Below, you'll find the average car insurance costs for young drivers in North Dakota, detailed by gender for both individual and family policies.
Car Insurance Costs in North Dakota for Young Women
An 18-year-old woman in North Dakota typically adds $1,254 to a family car insurance policy. If she chooses an individual policy, it jumps to $2,855, a steep hike in cost.
| 18 | $2,855 | $1,254 | -56% |
| 19 | $1,826 | $1,393 | -24% |
| 20 | $1,603 | $1,225 | -24% |
| 21 | $1,245 | $965 | -23% |
| 22 | $1,169 | $1,128 | -3% |
| 23 | $1,078 | $1,044 | -3% |
| 24 | $1,020 | $990 | -3% |
| 25 | $939 | $923 | -2% |
Car Insurance Costs in North Dakota for Young Men
An 18-year-old man in North Dakota pays an average of $3,329 for individual full coverage car insurance. Adding him to a family policy costs about $1,387, saving 58% each year.
| 18 | $3,329 | $1,387 | -58% |
| 19 | $2,145 | $1,547 | -28% |
| 20 | $1,842 | $1,332 | -28% |
| 21 | $1,445 | $1,052 | -27% |
| 22 | $1,308 | $1,258 | -4% |
| 23 | $1,181 | $1,137 | -4% |
| 24 | $1,096 | $1,057 | -4% |
| 25 | $991 | $963 | -3% |
Average North Dakota Car Insurance Cost by Driving Record
In North Dakota, car insurance costs can go up by different amounts if you have a driving offense. For example, after an at-fault accident, full coverage could cost around $1,248, while a DUI might raise it to $1,485. A speeding ticket could mean your full coverage is about $1,105. These rates can be higher or lower than the state's average, depending on the offense. We've put together the average rates for drivers with these offenses compared to those with a clean slate.
| At-Fault Accident | $1,248 | -35% | $536 | -51% |
| DUI | $1,485 | -22% | $639 | -42% |
| Ticket | $1,105 | -42% | $466 | -57% |
Read More: [High-Risk Car Insurance in North Dakota](https://www.moneygeek.com/insurance/auto/high-risk-car-insurance-north dakota/)
Average North Dakota Car Insurance Cost by Credit Score
In North Dakota, your credit-based insurance score plays a big part in your car insurance prices. If you have excellent credit, you might pay around $717 a year for full coverage. But with poor credit, that could jump to about $1,626.
| Excellent | $717 | -62% | $236 | -79% |
| Good | $891 | -53% | $290 | -74% |
| Fair | $1,097 | -43% | $355 | -68% |
| Below Fair | $1,315 | -31% | $423 | -61% |
| Poor | $1,626 | -15% | $495 | -55% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial reliability, potentially reducing insurance rates for North Dakota drivers. However, Hawaii, Massachusetts, Maryland, California and Michigan do not allow credit-based insurance scores in pricing. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only in specific situations.
Average North Dakota Car Insurance Cost by Company
Car insurance costs can differ a lot from one company to another. For affordable full coverage in North Dakota, American Family is your best bet at $646 a year. By contrast, Grinnell Mutual's rates are the steepest, costing 11% more than the state's average.
| American Family | $646 | $307 |
| Nationwide | $693 | $315 |
| GEICO | $766 | $317 |
| Nodak Mutual | $810 | $309 |
| Progressive | $901 | $358 |
| Auto-Owners Insurance Co | $1,029 | $340 |
| State Farm | $1,107 | $374 |
| Farmers | $1,175 | $569 |
| Allstate | $1,250 | $755 |
| Grinnell Mutual | $1,339 | $528 |
Read More: [Cheapest Car Insurance Companies in North Dakota](https://www.moneygeek.com/insurance/auto/cheapest-car-insurance-north dakota/)
Average North Dakota Car Insurance Cost by Vehicle Age
In North Dakota, newer cars usually cost more to insure. Full coverage averages $1020 yearly for a new model and $783 for a 10-year-old car. That's a $237 difference!
| 10-Year-Old Vehicle | $783 | $349 |
| New Model Vehicle | $1,020 | $336 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is what your insurer believes it was worth right before any damage. When filing a comprehensive or collision claim, they use this value to establish the highest payment for repairs or replacement, subtracting any deductible. This process ensures the claim mirrors the car's fair market value.
Read More: Used Car Insurance
North Dakota Car Insurance Rates Explained
In North Dakota, car insurance rates can be more affordable than the national average. Factors like your credit-based insurance score, driving history, and car model affect your premium for full coverage and state minimum insurance.
Is Car Insurance Expensive in North Dakota?
Car insurance in North Dakota is affordable, with an average full coverage cost of $81 per month. It's 25% cheaper than the national average for similar policies.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in North Dakota vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
North Dakota Average Cost
Full Coverage Car Insurance
$81ND Car Insurance Is Cheap:$27 saved
This is 25% less expensive.
Why Are Car Insurance Rates Expensive in North Dakota?
Car insurance in North Dakota can be pricey due to harsh winters and frequent storms, leading to more claims. Legal requirements also push up the price for minimum coverage. Understanding these factors can help residents manage costs.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in North Dakota
The average car insurance rates in North Dakota reflect broad factors, but your cost will depend on personal details. When figuring out your price, consider your driving record, car type, and coverage needs.
Driving Record
Safe driving not only protects you but can also lead to lower insurance rates. Avoid traffic violations and accidents to keep premiums affordable.
Age and Gender
Younger drivers and males often face higher rates. If you're in these groups, seek out discounts or consider a higher deductible for lower premiums.
Credit History
Insurers consider credit scores when setting rates. Work on improving your credit history through timely payments and reducing debt for better insurance offers.
Vehicle Type
Insurance costs can vary based on the car. Opt for a vehicle with a strong safety record and lower repair costs to reduce your premium.
Location Within North Dakota
Living in areas with high theft or accident rates iin North Dakota can increase premiums. Consider this when moving or talk to your agent about location-based savings.
Coverage Level
Tailor your coverage to your needs. Higher deductibles can lower premiums, but ensure you're not underinsured in case of an accident.
Marital Status
Married couples often receive lower rates. If married, combine policies with your spouse to potentially reduce your overall insurance costs.
State Law
North Dakota laws can affect insurance rates. Stay updated on legal requirements and consider coverage that provides more than the minimum for better protection.
Read More: North Dakota Car Insurance Calculator
Minimum Car Insurance in North Dakota
In North Dakota, the average annual rate for state minimum car insurance is $417, less than the national average of $595. This makes the state minimum coverage more affordable than full coverage options. Below is a table outlining North Dakota's minimum insurance requirements.
North Dakota Car Insurance Requirements
In North Dakota, you need minimum coverage car insurance. This includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. You also need $25,000 for uninsured/underinsured motorist coverage per person and $50,000 per accident, plus $30,000 in personal injury protection.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person. | In North Dakota, drivers must have at least $25,000 in bodily injury liability per person to cover injuries caused to others in an accident. |
$50,000 for bodily injury liability per accident. | The state requires $50,000 in bodily injury liability per accident, ensuring adequate coverage for multiple injuries in a single incident. |
$25,000 for property damage liability per accident. | Property damage liability of $25,000 per accident is mandatory to cover damages to another person's property. |
$25,000 uninsured motorist bodily injury per person. | Uninsured motorist coverage of $25,000 per person protects you if you're hit by a driver without insurance. |
$50,000 uninsured motorist bodily injury per accident. | With $50,000 uninsured motorist coverage per accident, you're safeguarded against uninsured drivers causing multiple injuries. |
$30,000 personal injury protection (PIP) per person. | Personal injury protection of $30,000 per person covers medical expenses and lost wages, regardless of fault. |
Read More: [State Minimum Car Insurance Requirements in North Dakota](https://www.moneygeek.com/insurance/auto/state-laws-minimum-requirements-north dakota/)
How to Lower Car Insurance Costs in North Dakota
To save on car insurance in the Sioux State, compare rates, boost your deductible, and snag discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find affordable car insurance in your state, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
Improving your credit score and maintaining a clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums as insurers view you as a lower risk.
- 3
Adjust Your Coverage
Review your coverage needs to ensure you're paying only for essential protection. Consider increasing deductibles if affordable, or explore usage-based policies if you drive fewer miles to cut costs.
- 4
Ask for Discounts
Seek discounts for safe driving, maintaining good grades, installing anti-theft devices, completing approved defensive driving courses, and bundling policies to achieve substantial premium reductions.
- 5
Consider the Car You Drive
Driving a car with good safety ratings can make your insurance more affordable, helping lower premiums while still ensuring adequate protection.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in North Dakota: Bottom Line
In North Dakota, the average yearly cost for full coverage car insurance is $972, which is cheaper than the national average. Your rate can change based on things like how old you are, your car, and your driving history. Overall, this state offers more affordable car insurance compared to many others.
North Dakota Car Insurance Rates: FAQ
Discover what affects the average car insurance cost in North Dakota. Learn how to find affordable rates easily.
What are the minimum car insurance requirements in North Dakota?
The minimum car insurance requirements in North Dakota include $25,000 for BI liability per person, $50,000 per accident, $25,000 for PD liability, and uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident. North Dakota also requires Personal Injury Protection (PIP), with a minimum of $30,000. These coverages ensure that you are financially protected in the event of an accident. The cost of basic coverage will vary based on individual circumstances and the insurance provider.
What is the average cost of full coverage and minimum coverage auto insurance in North Dakota?
In North Dakota, the average cost for full coverage auto insurance is $972 annually, while state minimum coverage averages $417 annually. These rates fall below the national averages for their respective coverage levels.
What is the average cost of car insurance for a 25-year-old in North Dakota?
The average cost of full coverage car insurance for a 25-year-old in North Dakota is $1,171, slightly below the state average. For state minimum coverage, the average is $477, also under the state average.
What are the cheapest car insurance companies in North Dakota?
American Family offers the most affordable car insurance in North Dakota, with full coverage at $646 annually and minimum coverage at $307 annually. While choosing the most affordable car insurance in North Dakota, it’s crucial to seek a balance between low rates and adequate financial protection against potential losses. Opting for the cheapest plan might save money upfront but consider the long-term implications of coverage limits and out-of-pocket expenses in case of an accident.
North Dakota Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in North Dakota:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score, and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each, and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by North Dakota:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $30,000 personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.