How Much Is Car Insurance in North Dakota? (July 2024)

In North Dakota, the average annual cost for a full-coverage car insurance policy is $964. For minimum coverage, the cost averages $400. Your premium depends on age, preferred coverage level, location, driving record and credit history.

North Dakota's average full coverage car insurance costs about $964 annually or $80 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.

Car insurance in North Dakota is relatively affordable compared to many states. The state average annual premium for full coverage is $964 ($80 monthly), lower than the national average of $1,296 ($108 monthly). State minimum liability-only insurance costs an average of $400 annually ($33 monthly), also cheaper than the national average of $595 annually ($50 monthly).

Several factors contribute to North Dakota's affordable insurance rates, including lower population density, reduced traffic congestion, fewer uninsured drivers, and lower legal and medical costs.

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 $1,411.

Compare quotes from different providers to ensure you get the most affordable and suitable coverage for your needs.

The coverage level also influences car insurance costs. In North Dakota, minimum coverage costs around $33 monthly, while full coverage averages $80. Although full coverage is pricier, it's recommended for its comprehensive protection.

Adding comprehensive and collision coverages will raise your premium. However, higher deductibles, such as $1,000 for full coverage, can make this more affordable. The deductible amount applies to each comprehensive and collision event.

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, along with $30,000 for personal injury protection (PIP) per person.

Age significantly influences car insurance costs in North Dakota. Younger drivers, particularly those aged 22 to 29, pay more for insurance – around $1,165 annually. The premiums tend to decrease with age, making policies more affordable for older, more experienced drivers. Those in the 30-59 age bracket see rates drop to approximately $964, while seniors 60 and over enjoy the lowest average premiums at $873 yearly.

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.

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.

When evaluating the average cost of car insurance in North Dakota, driving records play a significant role.

• With a ticket: $1,095 per year; $91 per month
• With an at-fault accident: $1,236 per year; $103 per month
• With a DUI: $1,467 per year; $122 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.

North Dakota drivers see a significant impact on car insurance costs based on credit scores, with average annual premiums ranging from $576 for excellent credit to $1,299 for poor credit. Your credit score directly influences your car insurance rates in North Dakota. Good credit, defined as a score between 670 and 739, can lead to more affordable insurance options, whereas scores below 580 may result in much higher costs.

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.

To secure affordable car insurance in North Dakota, compare prices from multiple insurers, opt for a higher deductible, and take advantage of discounts.

Get answers about what impacts the average cost of car insurance in North Dakota and how to find affordable rates.