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Average cost of car insurance in North Dakota for 2023

Updated Mar 09, 2023
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How much is car insurance in North Dakota? If you’re shopping for cheap auto insurance in North Dakota, consider the local averages to get a sense of what you might end up paying. The average cost of car insurance in North Dakota is $285 and $1,264 per year for minimum coverage and full coverage, respectively, according to Bankrate’s 2022 study of quoted annual premiums. While averages can give a good sense of things, it is important to remember that prices can vary quite a bit to either side of the average. This price range is one more reason to pursue savings whenever they are available.

How much does car insurance cost in North Dakota?

Car insurance premiums are calculated using a wide array of variables. Age, address, driving record, insurance score, vehicle information and more can be used by insurance companies when determining rates. Still, knowing the different average rates by state can help to paint a more informed picture. For instance, when considering North Dakota auto insurance rates, the average cost for minimum coverage is $285 per year, and the average cost of full coverage is $1,264 per year. In contrast, the U.S. average is $1,674 per year for full coverage. But how much is car insurance in North Dakota per month? Per month, for full coverage the average is $105 and for minimum coverage it is $24.

But just knowing that you pay less on average in North Dakota may not be enough. There are often ways to save further on can insurance. Strategies for reducing auto insurance costs can include everything from which company you choose to what discounts you qualify for and what type of coverage and limits you want.

North Dakota car insurance rates by company

Every auto insurance company calculates its own rates, often using its own proprietary systems. The difference between them is enough to show up when their average rates are viewed together. Below is a table of the top auto insurance companies in North Dakota, along with the North Dakota annual average car insurance rates for each company.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $460 $1,827
American Family $263 $819
Auto-Owners $281 $1,334
Farmers $188 $990
Geico $241 $1,122
Grinnell Mutual $334 $1,779
MetLife $525 $2,734
Nationwide $262 $1,090
Nodak $164 $1,294
North Star Mutual $220 $1,434
Progressive $370 $1,129
QBE $440 $1,184
State Farm $284 $1,224
USAA $180 $815

North Dakota car insurance rates by city

Average car insurance rates in North Dakota can vary significantly between cities and sometimes within cities. Based on population size, the top twenty cities were compared by average auto insurance rates. These rates were then measured against the state average for car insurance rates in North Dakota.

City Average annual premium for full coverage % increase from state average annual premium
Fargo $1,085 -14%
Bismarck $1,201 -5%
Grand Forks $1,100 -13%
Minot $1,198 -5%
Mandan $1,255 -1%
Dickinson $1,235 -2%
West Fargo $1,072 -15%
Williston $1,270 0%
Jamestown $1,168 -8%
Wahpeton $1,199 -5%
Devils Lake $1,247 -1%
Valley City $1,201 -5%
Grafton $1,257 -1%
Minot AFB $1,194 -6%
Belcourt $1,297 3%
Lisbon $1,211 -4%
Rugby $1,302 3%
Hazen $1,320 4%
New Town $1,342 6%
Watford City $1,325 5%

North Dakota car insurance rates by age

One of the primary pieces of information that goes into calculating auto insurance premiums is age. On average, the youngest and oldest drivers are more likely to experience auto incidents or commit traffic violations. As a reflection of this, providers charge these age groups depending on how expensive they are to insure.

Age Average annual premium in North Dakota
Age 16* $1,507
Age 18* $3,766
Age 20* $2,648
Age 25 $1,576
Age 30 $1,390
Age 40 $1,264
Age 50 $1,184
Age 60 $1,136
Age 70 $1,202

*16-year-old calculated on parent’s policy disclosure; 18- and 20-year-old are renters

North Dakota car insurance rates by driving record

Driving records and past offenses are both key variables used to determine rates. Not all traffic violations impact premiums to the same degree, however. For instance, DUIs usually raise rates considerably more than speeding tickets do. Knowing how expensive some offenses are can help to encourage drivers towards safer road habits.

Driving incident Average annual full coverage premium in North Dakota % increase of average annual premium
Speeding ticket $1,540 22%
Accident $1,762 39%
DUI $2,395 89%

How to save on car insurance in North Dakota

Beyond choosing where you live, there are often several ways to save on car insurance. When trying to find the best cheap car insurance in North Dakota, it helps to combine multiple strategies for savings. Everything from discounts to policy details to basic demographics can play a role in reducing costs.

  • Pursue discounts: Many auto insurance providers offer discounts. These savings can be attached to different requirements. Rewards for paperless billing, safe driving history, policy bundling and vehicle safety features are some common examples. The more discounts you qualify for and use, the more you may save on your rates.
  • Reduce coverage: If you have more than the legally required amount of car insurance, you can reduce your coverage limits. Doing so will reduce your premiums, but it is essential to note that it comes at the cost of reduced financial security around your vehicle.
  • Increase deductibles: Higher deductibles can often lead to lower rates, but this can be a risky method. You have to pay out of pocket an amount equal to your deductible before your insurance policy will make any payouts on a claim. So, a higher deductible will save on rates but will cost you more out of pocket if you need to file a claim.
  • Wait and drive safe: Driving record is one of the main factors that contributes to auto insurance rate calculations. By spending a significant amount of time (generally 1-3 years) not having any traffic violations or insurance incidents, you can often reduce your costs.

Estimate your car insurance cost in North Dakota

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Why we're asking

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate,, The Simple Dollar,, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Insurance Editor