Average Cost of Car Insurance in North Dakota for 2026

Full coverage in North Dakota costs $1,078 per year, $415 less than the $1,493 national average. Minimum coverage costs an average of $475 per year, $251 less than the national $726. Both figures sit well below the national midpoint, with minimum coverage producing the larger percentage discount at 33% versus 27% for full coverage.

Among states at similar price points, Wisconsin averages $87 per month for full coverage and Iowa averages $97 per month. Maine holds the national floor at $79 per month; Florida sits near the top at $248 per month. North Dakota sits between those extremes, closer to the affordable end.

Your actual rate depends on your coverage level, the company you choose, where you live in the state and your driving record. Age, credit score and vehicle type also shift rates, though the company you select and your driving history are the two factors you can address most directly.

State minimum liability costs $43 per month in North Dakota, while full coverage at 100/300/100 limits with a $1,000 deductible costs $96 per month, a $53 monthly difference. Adding comprehensive and collision to a minimum liability policy costs $14 more per month when it includes a $1,000 deductible for a total of $57 per month, the most cost-efficient way to protect your own vehicle.

Your deductible choice produces a larger premium difference than raising liability limits. Upgrading from a $1,000 deductible to a $0 deductible on a full coverage policy costs $57 more per month in North Dakota, or $684 more per year, to eliminate a single $1,000 out-of-pocket exposure. At that price, a driver would need to file a claim within 17.5 months to break even. North Dakota's hailstorms and harsh winter conditions do generate claims, but the math on a $0 deductible rarely favors the driver.

Full coverage costs range from $85 per month in Bismarck and Mandan to $78 per month in West Fargo, a $7 monthly spread across North Dakota's 10 most populous cities. For a state with as many weather-exposed rural areas as North Dakota, that narrow gap shows geography alone does not drive large pricing differences between cities.

Bismarck's higher rate reflects its role as the state capital: heavier commuter traffic and greater exposure to North Dakota's severe winter weather patterns produce more frequent claims than in West Fargo's newer suburban development, which has less congested roads and lower property crime rates. The $7 monthly gap between the most and least expensive large cities is smaller than the $53 monthly gap between minimum and full coverage in any city, meaning the coverage level you choose matters more than which North Dakota city you live in.

Bismarck's higher rates stem from its role as the state capital, which brings heavier government worker traffic and greater exposure to North Dakota's harsh winter weather patterns. West Fargo benefits from its newer suburban development with less congested roads and lower property crime rates compared to older urban centers. The gap between the most and least expensive of North Dakota's 10 most populous cities is $7 per month, or $84 per year.

A 16-year-old male added to a family policy costs $2,301 per year in North Dakota and a 16-year-old female costs $2,045 per year on average. Both figures represent the cost of adding that teen driver to an existing household plan, not a standalone policy. Drivers under 18 cannot legally obtain their own individual car insurance policy, so the family plan rate is the only option for that age group.

Family plan rates are generally lower than individual rates through the early 20s, when individual market pricing from some companies starts to compete with household allocation costs. Shopping individual policies against family plan pricing at ages 19 and 20 is worth doing, since the crossover point varies by company and driver profile.

Use our free calculator to estimate your North Dakota car insurance cost based on your age and driver profile.

A DUI in North Dakota adds $90 per month to full coverage premiums, bringing the annual cost from $1,157 to $2,231, a $1,074 increase that exceeds the full annual cost of minimum coverage in the state ($518 per year). North Dakota does penalize not-at-fault accidents: a clean record costs $96 per month for full coverage, and a not-at-fault accident raises that to $101 per month, a $5 monthly increase ($60 per year).

A speeding ticket adds $19 per month ($228 per year) and an at-fault accident adds $38 per month ($456 per year) over a clean-record baseline. Violations in North Dakota typically affect rates for three to five years. Re-shopping at the three-year mark after a ticket or at-fault accident captures available savings before your current insurer adjusts your policy proactively.

North Dakota drivers with bad credit pay $336 per month for full coverage compared to $85 for drivers with good credit, a $251 monthly gap that exceeds even the DUI surcharge of $90 per month. Annually, that $251 monthly gap adds up to $3,012 more for bad-credit drivers, making credit the single largest cost lever on this page.

North Dakota permits insurers to use credit-based insurance scores when setting premiums. Improving your credit score reduces your rate over time without any change to your coverage. Drivers with bad credit should re-shop every six to twelve months as their score improves, since insurers reprice at renewal rather than mid-term.

North Dakota car insurance rates also depend on your vehicle. Insuring a Tesla Model Y in North Dakota costs $174 per month for full coverage compared to $98 for a Ford F-150, a $76 monthly difference that adds up to $912 more per year. The Ford F-150 sits at the affordable end of the eight-vehicle range on this page; the Honda Civic at $102 per month and Toyota Camry at $114 per month land between the F-150 and the Model Y.

The Model Y costs $24 more per month than the Model 3 at $150 per month, a difference larger than the full-coverage gap between the F-150 and the Civic. Electric vehicles carry higher premiums because specialized parts, battery replacement costs, and complex repair requirements drive up claim severity. North Dakota's severe winter weather adds further risk for EVs. Cold temperatures degrade battery performance and can complicate repairs in ways that do not apply to conventional gas vehicles.

Drivers prioritizing lower premiums can save $72 per month by choosing a Ford F-150 over a Tesla Model Y, or $26 per month by choosing a Honda Civic over a Toyota RAV4.

Credit score and driving record produce the largest cost differences in North Dakota: credit alone can shift full coverage costs by $251 per month, while a DUI adds $90 per month on top of the average clean-record driver's cost. North Dakota permits both credit-based insurance scoring and gender rating, which means two drivers with identical vehicles and driving records can pay different rates based on factors outside of their control.

The right approach is the lowest rate from a company that will reliably pay your claim. Your driver profile determines which company that is: a 40-year-old with good credit and a clean record will find different value than a 22-year-old with a speeding ticket. Getting quotes from at least three companies gives you a real market floor. In North Dakota, the gap between GEICO at $61 per month and Auto Owners at $81 per month is $240 per year for identical coverage; a driver currently paying $81 who switches to GEICO captures that $240 without changing a thing.

For the state's full company rankings, see the best and cheapest car insurance companies in North Dakota.

North Dakota drivers often find their rates vary widely between rural areas and cities like Fargo and Bismarck. These are the questions we hear most about what affects your premium in North Dakota.

We used this profile to determine 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

Sections covering costs by age and driving record rely on rates for those driver profiles, keeping all other factors the same.

Minimum coverage represents a state's minimum liability coverage requirements. Full coverage includes a policy with 100/300/100 liability limits plus a $1,000 deductible for both comprehensive and collision coverage.