Car Insurance Calculator in North Dakota

North Dakota requires more minimum coverage than most states, including personal injury protection and uninsured motorist coverage. Answer four questions to find out how much coverage you need.

Four factors determine how much car insurance you need in North Dakota: your net worth, your car's value, how you purchased it and your risk tolerance.

• Your assets determine how much liability coverage you need. If damages from an accident exceed your policy limits, you're personally responsible for the difference. Drivers with substantial assets should carry at least 100/300/100 in liability coverage rather than North Dakota's 25/50/25 minimums.
• Your vehicle's value determines whether comprehensive and collision make sense. Cars worth less than $5,000 often cost more to insure than you'd receive in a claim payout. Newer or higher-value vehicles benefit from both coverages to cover repair or replacement costs.
• How you financed your car may limit your coverage choices. Lenders and lessors almost always require full coverage with comprehensive and collision, plus specific deductible limits, until the loan is paid off.
• North Dakota doesn't require uninsured motorist coverage. But about 6% of drivers in the state lack insurance. If an uninsured driver causes an accident, you're on the hook for costs they can't cover. Adding uninsured motorist coverage closes that gap.

Get a personalized car insurance rate estimate based on your ZIP code, driving history and coverage choices. Enter your details below to see what drivers like you are paying in North Dakota.

North Dakota's no-fault insurance system and harsh winter weather push premiums above the national average. Your rate depends on six factors: provider, age, location, coverage type, driving history and credit score. Insurers weigh these differently, which is why identical drivers can see quotes vary by hundreds of dollars.

The factors with the biggest impact on your North Dakota premium:

1. Provider choice makes the biggest difference in your rate. The gap between North Dakota's cheapest and most expensive insurers reaches $20 per month for identical full coverage policies.
2. Age and driving experience create large rate differences. Young drivers average $229 per month while seniors pay $105 per month for the same coverage.
3. Your ZIP code determines your local risk exposure. Fargo and Bismarck drivers pay more than those in rural areas due to higher traffic density and more frequent weather-related claims.
4. Credit score and driving history can move your premium by hundreds of dollars, especially for high-risk drivers. Drivers with good credit pay $89 per month on average compared to $340 for those with poor credit. North Dakota requires an SR-22 filing for DUI convictions, mandating higher liability limits for three years. Drivers with a DUI pay more.

The difference between North Dakota's cheapest and most expensive insurer can exceed $20 per month for full coverage. Comparing quotes from at least three companies is your most effective way to lower your car insurance rate. Use the tips below to do so.

All costs in this calculator use the following driver profile:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

We sourced rate data from insurer filings via Quadrant Information Services. Full coverage reflects 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible.

Minimum coverage reflects North Dakota's mandated minimums of $25,000 bodily injury per person, $50,000 bodily injury per accident, $25,000 property damage, $30,000 personal injury protection and uninsured motorist coverage. We update rates monthly.

To learn more about how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.