In North Dakota, the average annual cost for a full coverage car insurance policy is $980. The monthly cost for minimum coverage averages $427. Your premium depends on age, preferred coverage level, location, driving record and credit history.
How Much Is Car Insurance in North Dakota? (December 2024)
The average monthly car insurance cost in North Dakota is $36 for minimum coverage and $82 for full coverage. Both options offer affordable means to meet your insurance needs.
Updated: December 5, 2024
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Why Trust MoneyGeek? We analyzed data and quotes from Quadrant Information Services and the North Dakota Insurance Department to get the most precise average costs for various North Dakota drivers.
These rates reflect the average cost of car insurance in North Dakota as of December 2024.
Average Car Insurance Costs in North Dakota
In North Dakota, full coverage car insurance costs about $980 annually or $82 monthly. Knowing the average rates helps you evaluate quotes for affordability. Comparing car insurance quotes enables you to find budget-friendly rates.
Check out the breakdown of average insurance costs in North Dakota. These numbers show what you might pay for minimum or full coverage.
100/300/100 Full Cov. w/$1,000 Ded. | $980 | $82 |
100/300/100 Liability Only | $479 | $40 |
State Minimum Liability Only | $427 | $36 |
Why Are Car Insurance Rates Moderate in North Dakota?
Car insurance in North Dakota is relatively affordable compared to many states. The average annual premium for full coverage with a $1,000 deductible is $980 in North Dakota, lower than the national average of $1,370. State minimum liability-only insurance costs an average of $417 annually, which is also cheaper than the national average of $628.
Several factors contribute to North Dakota's affordable insurance rates, including its smaller population, which often leads to less traffic and fewer accidents. Additionally, the severe weather conditions in North Dakota can lead to more cautious driving behaviors. With competitive pricing among insurers, residents benefit from more affordable car insurance options.
Average Car Insurance Costs in North Dakota by Company
Car insurance premiums vary widely by company, even within the same state. For instance, in North Dakota, full coverage from American Family costs around $646 per year, while Grinnell Mutual charges about $1,396.
Compare quotes from different providers to ensure you get the most affordable and suitable coverage for your needs.
- Full Coverage
- Minimum Coverage
- 22-29
- 30-59
- 60 +
American Family | $646 | $54 |
Nationwide | $693 | $58 |
GEICO | $766 | $64 |
Nodak Mutual | $810 | $68 |
Progressive | $901 | $75 |
Auto-Owners Insurance Co | $1,029 | $86 |
State Farm | $1,107 | $92 |
Farmers | $1,175 | $98 |
Allstate | $1,278 | $107 |
Grinnell Mutual | $1,396 | $116 |
Compare Auto Insurance Rates
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Average Car Insurance Costs in North Dakota by Coverage Level
The cost of car insurance in North Dakota is also impacted by the level of coverage selected. For example, drivers typically pay about $36 for minimum coverage, whereas full coverage with a $1,000 deductible averages $82 monthly. Full coverage is recommended as it offers more comprehensive protection, including liability, collision and comprehensive coverages.
Opting for comprehensive and collision coverages will raise your premium, but selecting higher deductibles (like a $1,000 deductible) can help offset the increase. The deductible you choose applies separately to each comprehensive and collision claim. This approach gives policyholders some control over their insurance expenses while ensuring substantial coverage.
State Minimum Liability Only | $427 | $36 |
100/300/100 Liability Only | $479 | $40 |
300/500/300 Liability Only | $545 | $45 |
State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $906 | $75 |
100/300/100 Full Cov. w/$1,500 Ded. | $943 | $79 |
State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $943 | $79 |
100/300/100 Full Cov. w/$1,000 Ded. | $980 | $82 |
300/500/300 Full Cov. w/$1,500 Ded. | $990 | $83 |
300/500/300 Full Cov. w/$1,000 Ded | $1,028 | $86 |
State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,075 | $90 |
100/300/1000,000 - 500 comp_coll | $1,112 | $93 |
300/500/300 Full Cov. w/$500 Ded. | $1,159 | $97 |
Minimum Car Insurance Requirements in North Dakota
In North Dakota, the minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, $25,000 for property damage per accident and uninsured/underinsured coverage of $25,000 per person and $50,000 per accident. $30,000 for personal injury protection (PIP) per person is also required.
$25,000 for bodily injury liability per person
Covers medical expenses for one person injured in an accident where you're at fault, up to the policy limit.
$50,000 for bodily injury liability per accident
Pays for injuries to all people hurt in an accident you cause, with a maximum limit per accident.
$25,000 for property damage liability per accident
Covers damage you cause to another person's property in an accident up to the policy limit.
$25,000 uninsured motorist bodily injury per person
Provides protection if you're in an accident caused by a driver who does not have insurance.
$50,000 uninsured motorist bodily injury per accident
Offers coverage for all passengers injured in your vehicle by an uninsured driver, up to the limit.
$30,000 personal injury protection (PIP) per person
Covers medical expenses, lost wages and other injury-related losses, regardless of who's at fault.
Average Car Insurance Costs in North Dakota by Age
Age significantly influences car insurance costs in North Dakota. Younger drivers, particularly those aged 22 to 29, pay more for insurance – around $1,182 annually. The premiums tend to decrease with age, making policies more affordable for older, more experienced drivers. Those in the 30 to 59 age bracket see rates drop to approximately $980, while seniors 60 and over enjoy the lowest average premiums at $890 yearly.
- 100/300/100 Full Cov. w/$1,000 Ded.
- 100/300/100 Liability Only
- State Minimum Liability Only
22-29 | $1,182 | $98 |
30-59 | $980 | $82 |
60 + | $890 | $74 |
Average Car Insurance Costs in North Dakota for Teens
Age and gender significantly influence car insurance rates in North Dakota. For instance, 16-year-old male drivers typically face the highest premiums; on a family policy, they're looking at an annual cost of $1,863.
Teens under 18 usually cannot buy car insurance without a guardian co-signing. If opting for an individual policy, the premium increases to $4,785.
Average Car Insurance Costs in North Dakota for New Cars
The average annual cost for full coverage car insurance on a 2012 model is $783, whereas the same coverage jumps to $1,020 for a 2022 model. This increase stems from newer cars having a higher actual cash value, repair costs and theft risk — contributing to heftier premiums.
Experts suggest that drivers of newer models invest in comprehensive and collision coverages to protect against a wide range of incidents.
- Full Coverage
- Minimum Coverage
- 22-29
- 30-59
- 60 +
2012 Vehicle | $783 | $65 |
2022 Vehicle | $1,020 | $85 |
The actual cash value (ACV) of your vehicle is the basis for calculating your insurance payout in a comprehensive or collision claim. Considering depreciation, it represents your car's market value at the time of loss. Insurers use ACV to determine the maximum amount they'll pay to repair or replace your vehicle after an incident.
Average Car Insurance Costs in North Dakota by Driving Record
When evaluating the average cost of car insurance in North Dakota, driving records play a significant role.
- With a ticket: $1,114 per year; $93 per month
- With an at-fault accident: $1,258 per year; $105 per month
- With a DUI: $1,497 per year; $125 per month
The more severe your violation, the more you'll likely pay in premiums for car insurance in North Dakota. As long as a violation is on your record, it affects your costs. Depending on the state, the duration of this impact can vary. For instance, in North Dakota, a DUI can stay on your driving record for as long as seven years.
While a DUI typically leads to the highest insurance rate increases, sometimes other violations can cause rates to go up even more. This is due to some insurance companies weighing violations differently.
Use the table below to explore the average cost of car insurance based on coverage and age group for different driving records.
- 100/300/100 Full Cov. w/$1,000 Ded.
- 100/300/100 Liability Only
- State Minimum Liability Only
- 22-29
- 30-59
- 60 +
Clean | $980 | $82 |
Ticket | $1,114 | $93 |
At-fault Accident | $1,258 | $105 |
DUI | $1,497 | $125 |
Average Car Insurance Costs in North Dakota by Credit Score
In North Dakota, car insurance costs vary by credit score. Premiums range from $576 for excellent credit to $1,299 for poor credit. A good credit score (670 to 739) typically leads to lower rates, while scores below 580 result in higher costs.
- 100/300/100 w/ $1000 Deductible
- 300/500/300 w/ $1500 Deductible
- State Min - No comp_coll
- State Minimum w/ $500 Deductible
- 22-29
- 30-59
- 60 +
Excellent | $576 | $48 |
Good | $715 | $60 |
Fair | $881 | $73 |
Below Fair | $1,057 | $88 |
Poor | $1,299 | $108 |
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Factors Affecting Car Insurance Rates in North Dakota
These are the key factors influencing car insurance rates in North Dakota:
- Age and Driving Experience: Younger drivers in North Dakota typically face higher premiums due to inexperience, whereas mature drivers with more experience enjoy lower rates.
- Driving Record: A clean driving history can lead to more affordable car insurance rates. Conversely, infractions like speeding tickets or accidents can increase your premiums.
- Credit Score: North Dakota allows credit scores to be used to determine car insurance rates. A higher credit score could result in more favorable insurance costs.
- Vehicle Type: The car you drive affects your insurance rate. High-value vehicles or those with poor safety ratings may incur higher costs.
- Coverage Level: Choosing higher deductibles can lower your premiums. Balance your need for protection with acceptable rates.
- Location: Rates can vary depending on where you live within the state, with urban areas possibly facing higher rates due to increased risks of theft and collisions.
- Gender and Marital Status: Generally, females and married individuals may receive more favorable rates due to statistical evidence of lower risk-taking behaviors.
- Collision insurance: Adding collision coverage to your policy protects against damages from an accident and may alter your premium depending on your chosen deductible.
- Comprehensive insurance: Opting for comprehensive coverage protects against non-collision-related incidents, impacting your total insurance cost based on the deductible and vehicle value.
- Minimum Coverage: Although opting for the state minimum car insurance can be more affordable, it may not provide adequate coverage for all types of accidents or damage.
How to Save Money on Car Insurance in North Dakota
To secure affordable car insurance in North Dakota, compare prices from multiple insurers, opt for a higher deductible, and take advantage of discounts.
Shop Around
Comparing quotes from multiple insurers can lead to finding the cheapest car insurance in North Dakota. Prices vary, so it's essential to look for the best rates.
Maintain a Clean Driving Record
A clean driving record without accidents or violations can significantly lower your insurance costs. Safe driving habits are rewarded with more affordable premiums.
Consider Higher Deductibles
Opting for higher deductibles can reduce your monthly premiums. Ensure you can afford the deductible in case of a claim.
Bundle Policies
Bundling car insurance with other policies, such as homeowners or renters insurance, can unlock discounts. Insurers often offer better rates for multiple policies.
Look for Discounts
Ask your insurer about discounts for things like being a good student, having a safe car or being a loyal customer. Every discount helps lower your rate.
Drive Less
Lower mileage can lead to lower insurance costs. If you drive less than the average North Dakota driver, you might qualify for a low-mileage discount.
Improve Your Credit Score
In North Dakota, a good credit score can mean more affordable car insurance rates. Work on improving your credit for potential savings.
FAQ: Car Insurance Costs in North Dakota
Get answers about what impacts the average cost of car insurance in North Dakota and how to find affordable rates.
What are the minimum car insurance requirements in North Dakota?
North Dakota requires car insurance to cover at least $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage per accident. State law also requires uninsured motorist bodily injury coverage at $25,000 per person and $50,000 per accident. Drivers should also carry $30,000 personal injury protection (PIP) per person. These minimum car insurance requirements provide basic protection for drivers.
What is the average cost of full coverage and minimum coverage auto insurance in North Dakota?
On average, drivers in North Dakota spend $980 annually for full coverage auto insurance. For minimum coverage, the average cost is $427. If you choose 100/300/100 liability-only coverage, it typically costs around $479 per year.
What is the average cost of car insurance for a 22-year-old in North Dakota?
A 22-year-old in North Dakota pays varying rates for car insurance based on coverage type. Full coverage with a $1,000 deductible averages $1,182 yearly or $98 monthly. Opting for 100/300/100 liability only brings the average to $547 annually or $46 monthly. Minimum coverage averages $490 per year or $41 monthly.
What are the cheapest car insurance companies in North Dakota?
In North Dakota, American Family offers the most affordable rate for minimum coverage at $307 annually, with Nodak Mutual close behind at $309.
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.