North Dakota car insurance costs about $1,078 per year for full coverage and $475 for minimum coverage, based on a 40-year-old driver with good credit and no driving violations. Rates vary depending on your unique profile.
Average Cost of Car Insurance in North Dakota
Updated: August 19, 2025
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Key Takeaways
North Dakota car insurance costs range from $432 to $4,032 per year depending on your chosen coverage, driving profile and location.
With rankings of 10th for minimum coverage and 10th for full coverage, North Dakota offers some of the most budget-friendly car insurance rates in the nation.
Find the cheapest car insurance in North Dakota by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In North Dakota
| Full Coverage | $90 | $1,078 |
| Minimum Coverage | $40 | $475 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average North Dakota Car Insurance Cost by Category
Car insurance varies widely depending on your unique characteristics, location and car. Here are average rates for common categories of drivers so you can see how pricing can vary.
| Young Drivers | $99 | $220 |
| Adult Drivers | $38 | $85 |
| Senior Drivers | $50 | $101 |
| Drivers With An Accident | $56 | $124 |
| Drivers With A DUI | $76 | $170 |
| Drivers With A Speeding Ticket | $47 | $107 |
| Drivers With Bad Credit | $157 | $336 |
| Drivers With Low Income | $92 | $197 |
| Drivers With Newer Cars | $59 | $135 |
| Drivers With Old Cars | $36 | $80 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
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Personalized Average North Dakota Car Insurance Costs
These general driver categories may not match your situation. Our filterable table below shows personalized average costs based on your specific profile.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 380 | 4558 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average North Dakota Car Insurance Cost by City
Where you live in North Dakota makes a big difference in your car insurance costs. Annual rates for full coverage can range from $424 in West Fargo to $1,153 in Willow City. Below you can compare both full and minimum coverage rates for your city and other areas across the state.
Data filtered by:Results filtered by:
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City:Alachua
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Is North Dakota Car Insurance Expensive?
North Dakota ranks 10th for both minimum coverage and full coverage affordability among the 50 states and Washington, D.C., making it one of the most budget-friendly states. This reflects statewide averages, and affordability rankings for your city differ from the rest of the United States.
Why Is Car Insurance More Expensive in North Dakota?
Below we'll explore the reasons for North Dakota's high car insurance rates:
Mandatory Uninsured/Underinsured Motorist Coverage
North Dakota requires uninsured/underinsured motorist coverage with the same limits as liability insurance (25/50). This additional required coverage protects drivers if they're in an accident with someone who lacks adequate insurance, providing protection given the state's rural nature and potential for limited insurance options.
Exceptionally Low Auto Insurance Rates
North Dakota offers some of the most affordable auto insurance in the nation, with full coverage averaging much less than the national average. According to the Insurance Research Council, North Dakota is among the most affordable states for car insurance, with households spending a smaller percentage of their income on auto insurance compared to the national average.
Modified Comparative Negligence Laws
North Dakota follows modified comparative negligence rules, allowing drivers to recover damages as long as they're less than 50% at fault for an accident. This system can impact claim settlements and insurance payouts, as damages are reduced by the percentage of fault assigned to each party.
Harsh Winter Weather Conditions
North Dakota experiences some of the most challenging winter driving conditions in the nation, with up to 38 inches of snow annually and temperatures often hovering near 0°F. The state sees three to four severe winter storms each year, and weather-related car crashes occur frequently on snowy, slushy or icy pavement, creating risks for drivers.
Low Population Density and Rural Roads
North Dakota is the fourth-least populous and fourth least densely populated state, which contributes to lower insurance rates due to reduced accident frequency and fewer claims. The state's rural nature means less traffic congestion and lower crime rates, though this also means longer emergency response times and greater distances between services.
Severe Penalties for Driving Uninsured
North Dakota treats driving without insurance as a Class B misdemeanor with fines starting at $150, potential license suspension up to one year and mandatory SR-22 filing requirements. These strict penalties reflect the state's commitment to ensuring all drivers maintain adequate insurance coverage.
No-Fault State with Mandatory PIP Coverage
North Dakota is a no-fault state requiring all drivers to carry personal injury protection coverage of $30,000 per person. This coverage pays for medical expenses, lost wages up to $150 per week and essential services regardless of who caused the accident. The no-fault system limits your right to sue for pain and suffering unless you meet specific injury thresholds, such as permanent disability or disfigurement.
Extreme Temperature Variations
The state's extreme climate variations create unique challenges for cars and drivers. Polar atmospheric air masses consistently bring cold, dry air, creating conditions where black ice is common even when roads don't appear wet. These temperature extremes can affect car performance and increase the likelihood of weather-related accidents and comprehensive claims.
How to Lower Car Insurance Costs in North Dakota
Below is our step-by-step guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is an important step that you need to take so that you're not oversold on too much coverage. Consider your financial situation, driving habits, vehicle details and your risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different methods of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in North Dakota: Bottom Line
North Dakota car insurance costs are among the most affordable in the United States, but smart shopping can still help you save even more. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in North Dakota: FAQ
Below are answers to frequently asked questions about North Dakota car insurance costs:
How much is North Dakota car insurance per month?
North Dakota car insurance costs $40 for minimum coverage and $90 for full coverage policies. Rates range from $36 to $336 monthly depending on your unique driver profile and coverage choice.
What factors affect North Dakota car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is North Dakota car insurance so expensive?
North Dakota operates a no-fault system requiring $30,000 PIP coverage and offers some of the nation's most affordable rates at $1,794 annually, 33% below the national average. The state faces harsh winter conditions with severe storms and temperatures near 0°F. Despite challenging weather, North Dakota benefits from low population density, minimal urban areas and mandatory uninsured motorist coverage requirements.
How expensive is North Dakota car insurance?
With rankings of 10th for minimum coverage affordability and 10th for full coverage, North Dakota stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined North Dakota Car Insurance Costs
We used the following profile and modifications of this profile to determine North Dakota auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- North Dakota Emergency Management . "Severe Winter Weather ." Accessed August 20, 2025.
- North Dakota Insurance Department . "Auto Insurance Consumer Information ." Accessed August 20, 2025.