North Dakota Car Insurance Calculators

Our ZIP-based rate estimator shows what North Dakota drivers pay for your coverage level and driver profile. The coverage needs calculator tells you how much coverage your assets and vehicle actually require.

Use our free calculators to get instant rate and coverage estimates.

Written by Mark Fitzpatrick

Updated: May 18, 2026

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How North Dakota Car Insurance Rates Are Calculated

Full coverage in North Dakota averages $89 per month, $35 below the national average of $124. There are seven primary factors that determine whether your rate comes in above or below that average. Some are within your control, while others aren't.

1. Insurer choice: the carrier you pick moves your rate more than almost anything else

North Dakota's market includes regional carriers absent from most national comparison tools. North Star Insurance and Grinnell Insurance write policies here but aren't in the standard 46-carrier national dataset. These are averages from insurer filings for a 40-year-old with good credit and a clean record; your actual rate reflects your profile. The gap between North Dakota's cheapest and most expensive carrier reaches $52 per month for minimum coverage: the same driver, same ZIP, same policy. North Star Insurance prices minimum coverage at $25 per month; Farmers reaches $77. Get at least three quotes and make sure your search includes carriers your current tool doesn't surface.

2. ZIP code: Fargo costs more, but the gap is smaller than most drivers assume

Fargo drivers pay $43 per month for minimum coverage; Bismarck drivers pay $40. That $3 monthly gap reflects Fargo's higher traffic density and claim frequency relative to the rest of the state. The more consequential location factor in North Dakota is urban versus rural, not city versus city. Rural drivers outside the major metros typically pay less than both. If you're moving or recently moved, rerun the calculator with your new ZIP before your next renewal.

3. Age: young drivers pay more than twice the adult rate

Young drivers in North Dakota average $229 per month for full coverage while adult drivers average $89. Young drivers pay 2.6 times the adult rate in North Dakota, compared to the national multiplier of 2.4 times. Seniors average $105 per month, reflecting lower crash frequency but higher medical costs per incident. Rates fall at 25. Re-quoting at that birthday captures the drop rather than waiting for auto-renewal.

4. Credit score: a $251 monthly gap separates good credit from poor in North Dakota

North Dakota permits credit-based insurance scoring. Good-credit drivers pay $89 per month on average; poor-credit drivers pay $340, a $251 monthly gap ($3,012 per year). That gap exceeds the annual cost of a minimum-coverage policy for most North Dakota drivers. Improving your credit from fair to good saves more per year than switching carriers on this baseline. Pull your credit report before requesting quotes.

5. Driving record: a DUI adds $80 per month and triggers SR-22 for one year

An at-fault accident adds $34 per month to the North Dakota average; a DUI adds $80. A DUI also triggers a mandatory SR-22 filing, which proves financial responsibility to the state and must be maintained for one year from your reinstatement date. North Dakota's violation lookback window is three years from the incident date. A driver coming off a DUI at month 37 can see their rate fall by $80 or more when they re-shop. Month 33 is the right time to start comparing quotes, before renewal.

6. Coverage level: full coverage costs $48 more per month than state minimums

Minimum coverage in North Dakota costs $41 per month; full coverage at 100/300/100 limits with comprehensive and collision costs $89. North Dakota requires more at the minimum level than most states. Along with bodily injury and property damage liability, the state mandates $30,000 in personal injury protection plus uninsured and underinsured motorist coverage. Drivers with a loan or lease can't choose: lenders require full coverage until the vehicle is paid off. Drivers who own outright should use the coverage calculator to decide whether the $48 monthly difference makes sense for their vehicle's value.

7. Vehicle: North Dakota's severe winters make comprehensive coverage essential

North Dakota's blizzards, ice storms and hail produce above-average comprehensive claims. North Dakota's hail and ice losses rank above the national average, according to comprehensive claim data from Quadrant Information Services. A vehicle worth $8,000 or more should carry comprehensive; ice or hail damage alone can total a vehicle that would otherwise be a borderline call on dropping the coverage. Newer vehicles remove the calculation. Their replacement cost justifies comprehensive on its own.

Determine How Much Car Insurance You Need in North Dakota

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What Does Your North Dakota Coverage Recommendation Mean?

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North Dakota's minimums are $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. In a two-injury crash with $80,000 in medical costs, those limits fall $30,000 short. You cover the difference personally. Drivers who own a home or have savings above $50,000 should carry at least 100/300/100 limits to keep assets out of reach.
North Dakota is a no-fault state. Your mandatory personal injury protection (basic no-fault, minimum $30,000) pays your own medical costs regardless of who caused the crash. But PIP doesn't cap your liability exposure when the other driver's injuries exceed your bodily injury limits. If you're at fault and those injuries reach $150,000, your $50,000 per-accident limit leaves a $100,000 gap your assets cover.
North Dakota requires uninsured and underinsured motorist coverage. You can't opt out of it. About one in 10 North Dakota drivers carries no insurance. The coverage protects you from both uninsured drivers and underinsured drivers whose policy limits fall short of your actual losses. Underinsured motorist coverage fills the gap when the at-fault driver has insurance but not enough.

Bodily Injury Liability

Bodily injury liability pays the medical, rehabilitation and legal costs of people you injure in a crash. According to the North Dakota Insurance Department, the required minimum is $25,000 per person and $50,000 per accident. A two-injury crash can exhaust $50,000 quickly. The at-fault driver covers the difference above their policy limits personally. Drivers with home equity or retirement savings should carry at least 100/300 limits to prevent a lawsuit from reaching those assets.

Property Damage Liability

Property damage liability pays for damage you cause to another person's vehicle or property. North Dakota's required minimum is $25,000 per accident. New trucks and SUVs regularly exceed that threshold; a newer pickup truck can run $50,000 to $70,000 in replacement cost. Drivers who own significant assets should consider at least $100,000 in property damage coverage to close that gap.

Personal Injury Protection (PIP/Basic No-Fault)

Personal injury protection, called basic no-fault in North Dakota, pays your medical costs after a crash regardless of who caused it. According to the North Dakota Insurance Department, the mandatory minimum is $30,000 per person, covering medical bills, lost wages and rehabilitation expenses. North Dakota allows PIP deductibles from $0 to $5,000; a higher deductible lowers your monthly premium but increases your out-of-pocket costs if you're injured. Confirm you can pay the deductible before raising it.

Uninsured and Underinsured Motorist (UM/UIM)

Uninsured motorist coverage pays when a driver with no insurance causes your crash. Underinsured motorist coverage pays when their limits don't cover your full losses. North Dakota requires both UM and UIM coverage at $25,000 per person and $50,000 per accident. You can't opt out. Underinsured motorist coverage is especially important in North Dakota because the state requires relatively low liability minimums, meaning other drivers' policies can fall short even when they're technically insured.

Comprehensive and Collision

Collision pays for damage to your vehicle from a crash, regardless of fault. Comprehensive pays for non-collision losses: hail, ice damage, theft, fire and animal strikes. These are the losses most relevant to North Dakota's severe winters. Dropping comprehensive when your annual premium exceeds 10% of the vehicle's actual cash value. A $4,000 vehicle paying $500 per year in comprehensive has passed that threshold.

SR-22 Coverage

An SR-22 is not a type of insurance. It's a certificate your insurer files with the state proving you carry at least the required minimums. According to the North Dakota Department of Transportation, SR-22 is required after a DUI conviction, driving without insurance, driving under revocation, or certain other serious violations. The filing must be kept on file with the state for one year from your license reinstatement date; a lapse triggers automatic notification to the state and license re-suspension. Drivers who need the filing but don't own a vehicle can satisfy the requirement with a non-owner SR-22 policy.

Bottom Line and Next Steps

North Dakota's minimums require $25,000/$50,000 bodily injury and $25,000 property damage, limits that fall short of a two-injury crash at current medical costs. The recommended floor is 100/300/100. Full coverage at that level costs $89 per month, $48 more than the $41 minimum. North Dakota is a no-fault state, which means your mandatory $30,000 PIP covers your medical costs regardless of fault, but your bodily injury liability limit still determines your personal exposure when others are seriously hurt in a crash you cause.

Next Steps:

1. North Star Insurance and Grinnell Insurance write policies in North Dakota but don't appear in most national comparison tools. Include them in your quote run. The gap between the state's cheapest and most expensive carrier reaches $52 per month for the same minimum coverage policy. Skipping those carriers means leaving that spread on the table.

2. North Dakota doesn't have a state-mandated good driver discount like California, but the state's Insurance Department confirms that defensive driving course completion qualifies for a premium reduction. The North Dakota Highway Patrol approves eligible courses. Ask each carrier whether the course discount is already applied to your quote, and confirm no surcharge is attached to your driving record that your record doesn't support.

3. Run the calculator 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 reprice you. Ask or re-shop to capture the reduction.

4. North Dakota's violation lookback window is three years from the incident date. A DUI adds $80 per month to the average rate. At month 37 from the incident date, that surcharge disappears when you re-shop. It doesn't fall off automatically at renewal with your current carrier unless you request a re-rating or switch. Month 33 is the right time to start comparing quotes.

North Dakota Car Insurance Estimate: FAQ

How much is car insurance in North Dakota per month?

Full coverage in North Dakota averages $89 per month; minimum coverage averages $41. Both figures fall well below the national average of $124 per month for full coverage, making North Dakota $35 cheaper than the national norm on a full coverage basis. Minnesota averages $106 per month and South Dakota averages $103, making North Dakota the least expensive option among its neighbors.

Why is car insurance in North Dakota relatively affordable?

North Dakota's low population density is the primary driver. Fewer vehicles per square mile means fewer crashes per insured vehicle, which keeps claim frequency, and therefore premiums, below the national average. The secondary factor is North Dakota's litigation environment: the state doesn't produce the volume of bodily injury lawsuits that inflate bodily injury liability reserves and premiums in states like Florida or Louisiana. Harsh winter weather pushes comprehensive claim frequency above average, but the rural baseline holds the overall rate well below the national norm despite that exposure. North Dakota doesn't have a low-income insurance assistance program.

Does North Dakota require an SR-22 or FR-44?

North Dakota requires an SR-22, not an FR-44. According to the North Dakota Department of Transportation, the SR-22 filing is required after a DUI conviction, actual physical control conviction, driving under revocation, driving under suspension (for suspensions of 91 or more days), any crash with no insurance in effect, a civil judgment from a vehicle crash, manslaughter, negligent homicide, or a felony involving a motor vehicle. The filing must stay on file for one year from your license reinstatement date. A lapse triggers automatic state notification and license re-suspension. Drivers who need the SR-22 but don't own a vehicle can file under a non-owner policy.

Our North Dakota Car Insurance Estimate Methodology

Baseline profile:

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

Data source:

Rates come from insurer filings via Quadrant Information Services.

Coverage definitions:

Full coverage policies carry 100/300/100 liability limits with comprehensive and collision coverage at a $1,000 deductible. Minimum coverage reflects North Dakota's required $25,000/$50,000 bodily injury, $25,000 property damage, $30,000 personal injury protection, and $25,000/$50,000 uninsured and underinsured motorist coverage.

Update cadence:

We update rates monthly so they reflect the most recent available data.

MoneyGeek's auto insurance methodology explains how Quadrant rate data is collected and weighted to produce the estimates on this page. State liability minimums and SR-22 requirements sourced from the North Dakota Insurance Department (insurance.nd.gov) and North Dakota Department of Transportation (dot.nd.gov).

Sources

North Dakota Insurance Department. "Auto Insurance."
North Dakota Department of Transportation. "Driver Record Services and Suspensions — SR-22 Insurance Requirements."
North Dakota Department of Transportation. "Driver License."
Insurance Research Council. "Uninsured and Underinsured Motorists: 2017–2023."
Insurance Information Institute. "Facts + Statistics: Uninsured Motorists."
Quadrant Information Services. "Auto Insurance Rate Data."

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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