North Dakota Car Insurance Calculators: Cost & Coverage

• MoneyGeek sources rate data from Quadrant Information Services, which pulls premium data directly from insurer filings with North Dakota state regulators. These are the rates insurers charge, not estimates.
• We track every residential ZIP code in North Dakota and update rates monthly.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, wrote this page. Mark Friedlander of the Insurance Information Institute reviewed it for accuracy.
• Our editorial standards keep recommendations free from any influence by carrier relationships. Our rating guidelines apply the same criteria to every insurer we analyze.

Choosing the right insurer matters in North Dakota. GEICO offers full coverage for about $55 per month, while Farm Bureau and North Star charge around $67 and $63 per month, respectively. Getting quotes from multiple companies helps you find the best rate for your situation.

Don't overlook regional insurers. North Star and Grinnell aren't available on many national comparison websites, and Farm Bureau has some of the state's lowest minimum coverage rates. Getting quotes from both national and local insurers gives you a more complete picture of your options.

North Dakota's city-to-city rate gap is smaller than most drivers expect. Fargo drivers pay $43 per month for minimum coverage, while Bismarck drivers pay $40, a $3 difference. Within Fargo, the ZIP code gap is also narrow, reflecting the city's relatively uniform density compared to larger metros. The bigger gap in North Dakota is between urban and rural areas, not between cities. Drivers outside the major metros usually pay less than drivers in Fargo and Bismarck.

Fargo costs slightly more because it has North Dakota's highest traffic volume and the most vehicle registrations per square mile, according to the North Dakota Department of Transportation's annual traffic report. More vehicles per road mile raises both accident frequency and claims per driver. If you've recently moved, run the calculator with your new ZIP code before your next renewal. Your insurer rates you based on where your car is parked overnight, not your old address.

Young drivers in North Dakota pay $229 per month for full coverage on a family plan, 2.6 times the adult rate of $89 per month. North Star is the cheapest carrier for 16-year-olds at $69 per month on a family plan, dropping to $58 at 19 and $28 by 25. American Family is cheapest at 18 ($77 per month) and again at 20 ($61 per month). The lead carrier shifts between North Star and American Family through the teen years, so pull new quotes at each birthday from 16 to 25.

For seniors, Nodak Mutual is the cheapest carrier for 65-year-olds at $48 per month. North Star takes over at 70 at $25 to $28 per month and holds that position through age 80. Rates tick up after 70 because medical costs per incident climb even as accident frequency drops. Run new quotes at 65, at 70 and at every renewal after that.

North Dakota has the largest difference in car insurance rates based on credit among the states we cover. Drivers with poor credit pay about $340 per month for full coverage, compared with $89 for drivers with good credit. That's an extra $251 per month, or more than $3,000 per year.

The biggest jump is between poor credit and the next tier up, so even a modest score improvement can cut your premium. GEICO is the cheapest for good-credit drivers, but a different insurer may offer a better price for poor-credit drivers. Check your credit report before shopping, then pull new quotes after your score improves. Your rate won't drop automatically.

A DUI raises North Dakota premiums by about $80 per month; an at-fault accident adds around $34. Some insurers also surcharge after a not-at-fault accident, though the amount differs by company.

A DUI requires an SR-22 filing in North Dakota and can affect your rates for up to three years. GEICO and American Family tend to be among the lower-priced options for drivers with a DUI, but quotes vary enough that checking both is worth the time. Compare quotes after any major violation.

Dropping from full coverage to North Dakota's minimum coverage saves about $48 per month. Switching insurers or improving your credit score usually saves more.

North Dakota's minimum liability limits are $25,000 per person, $50,000 per accident and $25,000 for property damage. A serious crash can push costs past those limits, and you'd owe the difference out of pocket. If you finance or lease your vehicle, your lender will require full coverage until the loan is paid off.

Newer and more expensive vehicles cost more to insure, particularly with comprehensive and collision coverage. Financed or leased vehicles require full coverage regardless of age or value.

North Dakota's frequent hail and ice storms make comprehensive coverage more valuable here than in most states. If you own your vehicle outright, compare its current market value with what you pay annually for comprehensive and collision coverage. If the coverage costs more than 10% of the car's value, dropping it is worth considering.

Bodily injury liability pays the medical, rehabilitation and legal costs of people you injure in a crash. North Dakota requires a minimum of $25,000 per person and $50,000 per accident. A two-injury crash can quickly exhaust that $50,000 limit. Every dollar above the policy limit comes out of the at-fault driver's pocket. Drivers with home equity or retirement savings should carry at least 100/300 limits.

Property damage liability pays for damage you cause to another person's vehicle or property. North Dakota's minimum is $25,000 per accident. Newer trucks and SUVs can run $50,000 to $70,000 in replacement cost, so a single at-fault crash involving one can exceed that limit. Drivers with assets above $25,000 should carry at least $100,000 in property damage coverage.

Personal injury protection, called basic no-fault in North Dakota, pays your medical costs after a crash regardless of who caused it. The mandatory minimum is $30,000 per person and covers medical bills, lost wages and rehabilitation. North Dakota allows PIP deductibles from $0 to $5,000. A higher deductible lowers your monthly premium but raises what you'd owe after an injury. Don't raise it past what you can pay out of pocket.

Uninsured motorist coverage pays when a driver with no insurance causes your crash. Underinsured motorist coverage pays when their limits fall short of your losses. North Dakota requires both at $25,000 per person and $50,000 per accident, and you can't opt out. About one in 10 North Dakota drivers carries no insurance. North Dakota's low liability minimums mean even insured drivers can underpay a serious injury claim, which is why underinsured coverage is worth carrying above the minimum here.

Collision pays for damage to your own vehicle from a crash, regardless of fault. Comprehensive pays for everything else: hail, ice damage, theft, fire and animal strikes. North Dakota's severe winters make these losses the most relevant in the state. Drop comprehensive when your annual premium for it exceeds 10% of the car's current market value. A vehicle worth $4,000 paying $500 per year in comprehensive has crossed that line.

An SR-22 isn't a type of insurance. It's a certificate your insurer files with the state confirming you carry at least the required minimums. North Dakota requires an SR-22 after a DUI conviction, driving without insurance, driving under revocation, certain crashes, a court judgment from a vehicle crash where you're found at fault and didn't have insurance, or a felony involving a motor vehicle. The filing must stay on file for one year from your license reinstatement date. A single lapse triggers automatic notification to the state and license re-suspension. Drivers who need an SR-22 but don't own a vehicle can satisfy the requirement through a non-owner policy.

1. Get quotes from North Star and Grinnell alongside national carriers. Both write policies in North Dakota, but don't appear on most national comparison platforms. The gap between the state's cheapest car insurance in North Dakota and the most expensive carrier is $52 per month for identical minimum coverage. Skipping those regional carriers means you're comparing only part of the market.
2. Ask about the defensive driving course discount before your next renewal. North Dakota doesn't have a state-mandated good driver discount, but the North Dakota Highway Patrol approves defensive driving courses that qualify for a premium reduction. Ask each carrier whether the discount has been applied to your quote, then confirm that your record shows no surcharge not supported by your actual history.
3. Get new quotes before every renewal, not after. North Dakota carriers can raise rates at renewal without a per-driver explanation. If a violation aged off your record in the past 12 months, your current carrier may not automatically lower your rate.
4. Mark month 37 from any violation date. A DUI adds $80 per month to your rate. At month 37, the violation clears, and you can get new quotes at the clean rate. Your current carrier won't reprice automatically. Start pulling quotes at month 33 so you're ready when the violation drops off.