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To get a ballpark figure for car insurance costs in North Dakota, MoneyGeek’s car insurance calculator delivers quotes immediately. This can be useful to use as a baseline figure in your search.
A number of factors influence your auto insurance policy rates. We examined how car insurance companies in North Dakota determine premiums and listed those factors that may have the biggest impact on your insurance costs.
North Dakota Car Insurance Calculator: How it Gets You an Instant, Free Estimate
You need to provide a variety of personal information to get a finalized car insurance quote from an insurer in North Dakota, and this process may take around 10 to 15 minutes.
MoneyGeek has a car insurance calculator for North Dakota that gives you a quick estimate of how much your auto insurance premiums may cost. The calculator accounts for your age, driving record, vehicle type and coverage levels.
In North Dakota, certain factors heavily influence the cost of your car insurance. Some of the most important factors that affect your premiums are adding a teen driver to your family policy, your and the coverage level you select.
The cheapest car insurance provider in North Dakota will depend on these factors, but you can use MoneyGeek’s calculator to get a close estimate. Our default 40-year-old driver pays an average of $206 per year with Nodak Mutual, an affordable and widely available provider.
Keep in mind that price isn’t the single factor you should consider in your search for car insurance. Choosing a company that offers good customer service and has all the coverages you want is also essential.
We recommend browsing our collection of sample drivers and using our car insurance calculator to find the cheapest car insurance in North Dakota.
To get a better idea of how insurance costs in your state compare with others across the country, MoneyGeek analyzed the average cost of car insurance in North Dakota.
If you’re considering factors outside of cost, we also scored the best auto insurance companies in North Dakota. These providers balance service quality and affordability.
How Car Insurance Premiums are Calculated in North Dakota
Auto insurance providers in North Dakota consider several factors when calculating the price of your car insurance. These factors include age, gender, coverage levels, driving record, driver profile, and car make and model.
Our research shows that the most critical factors are adding a teen driver to your insurance policy, your age and the level of coverage you choose.
Adding a teen driver to your policy can increase your car insurance rates by as much as 3.3x in North Dakota.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in North Dakota
Adding a teen driver to your policy will increase the cost of your car insurance because insurers consider teen drivers to be a higher risk than older drivers. Studies show the risk of motor vehicle crashes is higher among teens aged 16–19 than among any other age group.
Your car insurance premiums can multiply as much as 3.3x if you add a teen driver to your policy in North Dakota.
How Much Age of Driver Matters in Calculating Car Insurance in North Dakota
The driver’s age plays a significant role when insurers calculate car insurance rates in North Dakota. Compared to older drivers, younger drivers are less experienced and more prone to accidents. Auto insurance companies typically charge young drivers higher rates.
The most affordable car insurance in North Dakota is for a 40-year-old driver, and the most expensive is for a 19 to 20-year-old. The cost of car insurance can differ by as much as 2.4x based on the age of the driver.
How Much Coverage Level Matters in Calculating Car Insurance in North Dakota
The cost of your car insurance is based on the coverage level you choose. When calculating your premiums, auto insurance companies consider factors including your coverage, your deductible and how many miles you drive per year.
In North Dakota, the cheapest coverage is a state minimum liability-only policy, and the most expensive policy is full coverage with a $500 deductible and 100/300/100 liability. Choosing full coverage can increase your premiums by 2x.
How Much Credit Score Matters in Calculating Car Insurance in North Dakota
Your credit score can also determine in part the cost of your car insurance. You’re more likely to get cheaper premiums in North Dakota if you have excellent credit and a clean driving record.
North Dakota drivers with excellent credit pay the cheapest auto insurance premiums. On the other hand, North Dakota drivers with poor credit are charged higher auto insurance rates. If you have poor credit, your car insurance cost can multiply by 2.2x.
How Much Model of Car Matters in Calculating Car Insurance in North Dakota
Your insurance rates are further influenced by the type of vehicle you drive. High-value luxury cars cost more to repair and may be more prone to theft, which results in higher premiums.
The most expensive car to insure is a luxury sports car, while the cheapest is an SUV. Drivers with luxury cars can pay as much as 2x more for their premiums than drivers with standard model cars.
How to Calculate How Much Car Insurance You Need in North Dakota
One of the most influential factors on the cost of your car insurance in North Dakota is how much insurance you buy. Calculating how much car insurance you need in North Dakota can help you choose a policy that balances cost and protection.
In North Dakota, you’re required to have coverage for bodily injury liability, property damage liability and uninsured/underinsured motorist insurance. Depending on your circumstances, you may wish to consider purchasing additional liability insurance and comprehensive and collision insurance.
Understand North Dakota car insurance requirements
To find out how much car insurance you need, you can take a look at North Dakota’s minimum car insurance requirements. You’ll find that the minimum car insurance you’re required by law to have includes 25/50/25 liability coverage and uninsured/underinsured motorist coverage, along with personal injury protection (PIP).
In other words, that’s $25,000 per person for bodily injury, $50,000 per accident for bodily injury, $25,000 per accident for property damage. The uninsured/underinsured covers $25,000 per person and $50,000 per accident for bodily injury. PIP covers $30,000.
Consider increasing your liability limits if you want more protection. North Dakota law doesn’t require you to buy comprehensive and collision insurance, which covers damages to your vehicle.
Consider Purchasing Additional Liability Insurance
You may also want to consider liability insurance above the North Dakota minimums for protection against the costs of a major accident. If you think you need higher liability insurance, you can look at the prices to help you decide. Minimum liability insurance in North Dakota costs an average of $360 per year. The cost to increase your bodily injury liability to $300,000 is $390.
Decide whether or not to buy comprehensive and collision insurance
Although North Dakota law doesn’t mandate drivers to have comprehensive and collision insurance, you can decide if you [need a full coverage policy](https://www.moneygeek.com/insurance/auto/what-is-full-coverage-comprehensive-collision-insurance/#do-you-need-full-coverage). Lenders sometimes require full coverage if you’re leasing or financing the purchase of your car.
In North Dakota, adding comprehensive and collision coverage with a $1,000 deductible costs an average of $362 per year. If you’re paying hundreds of dollars more every year to insure a car with an extremely low replacement value, you may wish to forgo this add-on.
Consider buying additional protection besides these core coverages
North Dakota requires uninsured/underinsured motorists coverage, which protects you from the 13% of uninsured motorists in the state who have little or no insurance.
Drivers in North Dakota with a minimum coverage policy are also covered for up to $30,000 for personal injury protection in medical costs and lost wages.
Frequently Asked Questions About How Car Insurance is Calculated in North Dakota
Below, MoneyGeek answers a few frequently asked questions about how car insurance is calculated in North Dakota.
Methodology
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across North Dakota. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
sources
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts." Accessed February 12, 2022.