Average Car Insurance Cost in North Dakota (2025)
Drivers in North Dakota pay an average of $96 per month for car insurance.
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In North Dakota, the average cost of car insurance is $96 per month. North Dakota car insurance rates tend to be on the lower end compared to other U.S. states. This is potentially due in part to its small population. In 2024, rates decreased by 5% in North Dakota but are predicted to increase by 2% in 2025.
Here’s a breakdown of how much car insurance in North Dakota costs and various factors that affect your premiums.
How much is car insurance in North Dakota?
The average cost of car insurance in North Dakota is $70 per month for liability insurance, according to Insurify data. Full-coverage policies cost an average of $122 per month. Annually, state-minimum coverage costs North Dakota drivers $835, while full-coverage car insurance costs an average of $1,468 per year.
Average North Dakota car insurance rates by city
North Dakota car insurance rates can vary from city to city. Car insurance premiums depend on a range of factors, including population density, crime, theft, ZIP code, and accident frequency.1 While the state minimums for bodily injury and property damage liability insurance remain the same no matter where you live, these other factors differ by city, which affects rates.
Average North Dakota car insurance rates by age and gender
How much car insurance costs in North Dakota also depends on your age and gender. The younger you are, the more you’ll typically pay for car insurance. As you get older and gain more driving experience, rates begin to drop.
The chart below shows that a 16-year-old pays much more than a 30-year-old driver or a 50-year-old driver. Female drivers also generally pay less than male drivers, as it’s statistically shown they get into fewer accidents.1 You can also see that reflected in the car insurance rates in North Dakota below.
Average cost to insure popular vehicles in North Dakota
The make and model of your vehicle also affect the cost of your insurance policy. Some cars have more expensive parts and could be costlier to repair, which, in turn, hikes up car insurance rates.
Below is the average cost to insure the five most popular vehicles in North Dakota. These vehicles may be popular in the state because of their ability to navigate various landscapes.
How your driving record affects car insurance rates in North Dakota
Car insurance companies look at multiple risk factors to set premiums. One of the most significant ones is your driving record. If you have an incident on your driving record, you may have a higher chance of another one in the future, so insurers may increase your car insurance rates. How much of an increase also varies by the type of incident you have.
The average cost of car insurance in North Dakota for drivers with a speeding ticket on their record is $182 per month, compared to a clean record rate of $113. Drivers with an accident or a DUI conviction will also see increased premiums.
The table below shows the average North Dakota rates by driver profile compared to a clean record.
Insurance companies can review your consumer credit history when setting car insurance rates in North Dakota. As part of their underwriting, insurance companies look at your credit tier to evaluate risk and the likelihood of filing a claim.2
Drivers with excellent credit pay the least, at an average cost of $63 per month for liability coverage. On the flip side, North Dakota drivers with poor credit pay an average cost of $96 per month.
How to lower your insurance costs in North Dakota
While finding cheap car insurance can be difficult, here are some ways to lower your car insurance costs in North Dakota:
North Dakota average car insurance cost FAQs
If you’re wondering how much car insurance costs in North Dakota and want to learn more, here are answers to some frequently asked questions.
The average annual rate for car insurance in North Dakota is $835 for liability insurance. For full-coverage car insurance, the annual rate is an average cost of $1,468.
The cheapest car insurance company in North Dakota is Direct Auto, with liability coverage costing an average of $69 per month. But the most affordable car insurance company will depend on your driver profile.
North Dakota drivers pay an average of $71 per month for liability coverage and an average monthly cost of $120 for full-coverage car insurance.
Some of the best auto insurance companies in North Dakota are Direct Auto, Root, and Bristol West. But it makes sense to look at all your options to find what works for your specific needs.
North Dakota state law requires drivers to get $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability, $25,000 per person and $50,000 per accident in uninsured and underinsured motorist coverage, and $30,000 per person in personal injury protection (PIP) to cover medical expenses.3
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