How Much Is Car Insurance in North Dakota? (2022 Averages)

The average car insurance cost in North Dakota is $743 per year — the third-cheapest rate in the country and significantly lower than the $1,424 per year national average. These averages relate to a sample driver based on quotes from different insurers. MoneyGeek also analyzed car insurance costs in North Dakota by age, driving history, credit score, coverage level and location.

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Last Updated: 9/17/2022
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Depending on the type of driver and the level of coverage, car insurance premiums can vary dramatically. The average cost of car insurance in North Dakota is $743 per year, but drivers who have a policy with the minimum amount of coverage pay an average of just $376 annually. This figure rises to around $948 if you have a violation on record and to an average of $1,888 if you include a young driver in your policy.

What you pay for car insurance is also determined by the company you buy it from. On average, a full coverage policy through Nodak Mutual costs $492 annually in North Dakota, while the same coverage through Allstate costs $990 annually.

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Methodology

Why Trust MoneyGeek? North Dakota car insurance rates in this study are based on our analysis of data and information from the North Dakota Department of Insurance and Quadrant Information Services.

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These rates were updated in September 2022 to reflect how car insurance rates in North Dakota have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
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ZIP Codes

The Average Cost of Car Insurance in North Dakota

Several factors influence North Dakota car insurance rates, including age, coverage level, driving record and credit score. Among these elements, age has the most significant impact on car insurance rates in North Dakota, followed by credit score.

Research average car insurance costs for different driver profiles to compare rates.

Average Costs of Car Insurance in North Dakota

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  • Driver
    Average Annual Premium
    Average Monthly Premium
  • The Average Driver
    $743
    $62
  • Drivers Buying Minimum Coverage
    $376
    $31
  • Adding a Young Driver
    $1,888
    $157
  • Drivers With a Violation
    $948
    $79
  • Drivers With Poor Credit
    $1,360
    $113
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Why Are Car Insurance Rates Cheap in North Dakota?

North Dakota has the third-cheapest average car insurance rate in the country. The state's low traffic density and rare occurrences of natural disasters make it a low-risk area for car insurance. The lower the risk associated with a particular state, the more affordable its car insurance premiums become.

State-specific factors like the percentage of uninsured motorists in a state, incidences of car theft and urban share population also influence car insurance premiums. Explore average car insurance rates by state to see how different locations compare.

Average Cost of Car Insurance in North Dakota: Full Coverage vs. Minimum Coverage

In North Dakota, the level of coverage factors heavily into your car insurance costs. A full-coverage policy in North Dakota, as defined in MoneyGeek’s methodology, costs an average of $743 per year — $366 more than a minimum coverage policy at an annual average of $376.

A minimum coverage policy meets the minimum liability requirements set by the state, while a full-coverage policy comprises comprehensive and collision insurance.

Average Cost of Car Insurance in North Dakota by Coverage Level

If you live in North Dakota, a state-minimum policy is the cheapest you can get.

Consider increasing your liability coverage to 50/100/50 or 100/300/100 if you are purchasing auto insurance. These numbers denote the liability coverage levels in your policy. For instance, if you have a 50/100/50 policy, you will receive:

  • $50,000 in bodily injury liability insurance per person
  • $100,000 in bodily injury liability insurance per accident
  • $50,000 in property damage liability insurance per accident

On the other hand, full coverage policies include collision and comprehensive coverage. These policies cover your own expenses as well as those of any third parties.

Average Cost of Car Insurance in North Dakota By Company

Make sure to always compare quotes before settling on a policy. Nodak Mutual delivers the most affordable option for a full coverage car insurance policy in North Dakota. This company also offers the cheapest minimum coverage policy in North Dakota. USAA offers one of the cheapest car insurance options in North Dakota, but this policy is only available to current and former members of the military.

MetLife is the most expensive option in North Dakota for a full-coverage policy, while Allstate charges the highest rates for minimum coverage policies.

Average Annual Costs of Car Insurance in North Dakota - By Company

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How Much Is Car Insurance in North Dakota by Age?

Younger drivers in North Dakota pay more for car insurance. The average 40-year-old in North Dakota pays $743 per year for car insurance. Conversely, a 16-year-old applying for their own policy in the state pays an average of $1,888 per year.

Luckily, young drivers in North Dakota who want to save on car insurance costs can join their parent’s car insurance policy. Inexperienced or first-time drivers in North Dakota will also attract high insurance costs since they fall into the same category as young drivers.

Average Costs of Full Coverage Car Insurance in North Dakota - By Age

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How Does Driving History Affect Car Insurance Costs in North Dakota?

Drivers in North Dakota with bad driving records are also deemed high risk, leading to higher car insurance rates. A driver with a clean record in North Dakota will pay an average annual rate of $743, which is $205 less than what a driver with a speeding ticket on their record will pay. Rates for drivers with even more serious violations climb even higher — car insurance premiums will typically increase with the severity of the offense.

Average Costs of Full Coverage Car Insurance in North Dakota - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $743
  • Speeding Ticket
    $948
  • At-Fault Accident
    $1,141
  • DUI
    $1,329
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Credit Scores and the Cost of Car Insurance in North Dakota

Credit scores also influence car insurance rates in North Dakota. A higher credit score leads to lower car insurance rates. Drivers with excellent credit in North Dakota pay an average of $134 less than those with good credit on average. North Dakota drivers with a poor credit score will pay $1,360 per year on average — $623 more than drivers with good credit.

Individuals with poor credit scores can look up the cheapest options for drivers with bad credit.

Average Costs of Full Coverage Car Insurance in North Dakota - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $604
  • Good
    $738
  • Fair
    $923
  • Below Fair
    $1,114
  • Poor
    $1,360

How Much Is Car Insurance in Your City?

MoneyGeek pulled its data on average car insurance costs in North Dakota from Fargo. Car insurance costs can vary greatly within a state due to traffic density, incidences of car theft and other risk factors vary from city to city. On average, the cities within a state with higher population densities and a higher risk of road accidents will have higher car insurance rates.

Average Costs of Full Coverage Car Insurance in North Dakota - By City

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  • City
    Annual Premium
  • $743

Frequently Asked Questions About North Dakota Car Insurance Rates

For more information about North Dakota car insurance rates, you can refer to our answers to frequently asked questions.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.