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Average cost of car insurance in North Dakota for 2024

Updated Jun 01, 2024
The average cost of car insurance in North Dakota is $1,749 for full coverage and $374 for minimum coverage per year.
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How much is car insurance in North Dakota?

The average car insurance cost in North Dakota is lower than the national average. The national annual average cost of car insurance is $2,311 for full coverage, while North Dakota drivers pay an average of $1,749. Additionally, the national average for minimum coverage is $640 annually, while the same coverage averages just $374 per year in North Dakota. Several factors, including age, gender, ZIP code, driving record, vehicle, coverage choices and driving record will determine how much each driver pays for car insurance in North Dakota.

Key takeaways

  • North Dakota car insurance rates average $1,749 per year for full coverage and $374 per year for minimum coverage.
  • The average cost of full coverage car insurance in North Dakota cost about 24 percent less than the national average.
  • 18-year-old North Dakota drivers pay an average of 44 percent less by being listed on their parents’ policy versus being on their own policy.
  • Having poor credit can increase North Dakota car insurance rates by an average of 125 percent more than good credit.

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, some of the state’s top cities were compared by average auto insurance rates. These rates were then compared against the state average car insurance rate.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in North Dakota

Two contributing factors to car insurance rates are age and gender, so they should be considered when you’re figuring out how much car insurance is in North Dakota. Although these rating factors are not used in all states, they are in North Dakota. On average, young drivers and drivers aged 70+ are more likely to experience auto incidents or commit traffic violations. As a reflection of this, providers typically charge these age groups more based on how risky they are to insure. The tables show rates by age and gender based on drivers on their own policy, while the young drivers tables show rates when listed as drivers on their parents’ policy.

Age 16*
Avg. monthly full coverage premium in North Dakota
$307
Avg. annual full coverage premium in North Dakota
$3,679
Age 18
Avg. monthly full coverage premium in North Dakota
$450
Avg. annual full coverage premium in North Dakota
$5,402
Age 20
Avg. monthly full coverage premium in North Dakota
$324
Avg. annual full coverage premium in North Dakota
$3,891
Age 25
Avg. monthly full coverage premium in North Dakota
$189
Avg. annual full coverage premium in North Dakota
$2,263
Age 30
Avg. monthly full coverage premium in North Dakota
$156
Avg. annual full coverage premium in North Dakota
$1,875
Age 40
Avg. monthly full coverage premium in North Dakota
$147
Avg. annual full coverage premium in North Dakota
$1,764
Age 50
Avg. monthly full coverage premium in North Dakota
$132
Avg. annual full coverage premium in North Dakota
$1,580
Age 60
Avg. monthly full coverage premium in North Dakota
$125
Avg. annual full coverage premium in North Dakota
$1,499
Age 70
Avg. monthly full coverage premium in North Dakota
$130
Avg. annual full coverage premium in North Dakota
$1,565
Age 40
Avg. monthly full coverage premium in North Dakota
$147
Avg. annual full coverage premium in North Dakota
$1,764
Age 50
Avg. monthly full coverage premium in North Dakota
$132
Avg. annual full coverage premium in North Dakota
$1,580
Age 60
Avg. monthly full coverage premium in North Dakota
$125
Avg. annual full coverage premium in North Dakota
$1,499
Age 70
Avg. monthly full coverage premium in North Dakota
$130
Avg. annual full coverage premium in North Dakota
$1,565
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in North Dakota
$269
Avg. annual full coverage premium in North Dakota
$3,232
Age 18
Avg. monthly full coverage premium in North Dakota
$407
Avg. annual full coverage premium in North Dakota
$4,889
Age 20
Avg. monthly full coverage premium in North Dakota
$276
Avg. annual full coverage premium in North Dakota
$3,314
Age 25
Avg. monthly full coverage premium in North Dakota
$172
Avg. annual full coverage premium in North Dakota
$2,061
Age 30
Avg. monthly full coverage premium in North Dakota
$152
Avg. annual full coverage premium in North Dakota
$1,824
Age 40
Avg. monthly full coverage premium in North Dakota
$144
Avg. annual full coverage premium in North Dakota
$1,734
Age 50
Avg. monthly full coverage premium in North Dakota
$123
Avg. annual full coverage premium in North Dakota
$1,474
Age 60
Avg. monthly full coverage premium in North Dakota
$124
Avg. annual full coverage premium in North Dakota
$1,485
Age 70
Avg. monthly full coverage premium in North Dakota
$130
Avg. annual full coverage premium in North Dakota
$1,558
Age 40
Avg. monthly full coverage premium in North Dakota
$144
Avg. annual full coverage premium in North Dakota
$1,734
Age 50
Avg. monthly full coverage premium in North Dakota
$123
Avg. annual full coverage premium in North Dakota
$1,474
Age 60
Avg. monthly full coverage premium in North Dakota
$124
Avg. annual full coverage premium in North Dakota
$1,485
Age 70
Avg. monthly full coverage premium in North Dakota
$130
Avg. annual full coverage premium in North Dakota
$1,558
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Men typically pay slightly higher car insurance premiums than women because they are considered riskier drivers. However, drivers may be able to lower their rates with discounts like good driver rewards, professional association discounts and by bundling their car insurance with home insurance.

Cost considerations for young drivers in North Dakota

Older teen drivers may consider getting their own policy, but it’s important to understand the financial impact. While 16- and 17-year-old drivers must be included on their parents’ policies  and don’t have an option to get their own, drivers aged 18 and older can choose. However, staying on a parents’ policy can provide substantial savings on average.

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Age 16*
Avg. annual premium for drivers in ND
$3,456
Age 17
Avg. annual premium for drivers in ND
$3,178
Age 18
Avg. annual premium for drivers in ND
$2,894
Age 19
Avg. annual premium for drivers in ND
$2,629
Age 20
Avg. annual premium for drivers in ND
$2,526
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in ND
$5,145
Age 19
Avg. annual premium for drivers in ND
$3,905
Age 20
Avg. annual premium for drivers in ND
$3,603
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 78 percent more
Age 19 49 percent more
Age 20 43 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in North Dakota?

North Dakota drivers can help reduce their car insurance costs by maintaining a clean driving record and practicing safe driving habits to avoid tickets and at-fault accidents. Having a speeding ticket violation increases rates by about 15 percent more than the average cost of car insurance in North Dakota. Drivers with a DUI conviction, which is one of the most serious driving violations, pay an average of 89 percent more.

The table below offers a current look at how much a single violation could increase your full coverage car insurance in North Dakota.

Clean driving record
Avg. annual premium* in North Dakota
$1,749
Percentage increase from North Dakota avg. annual premium*
0%
Avg. annual premium* in North Dakota
$2,011
Percentage increase from North Dakota avg. annual premium*
15%
Avg. annual premium* in North Dakota
$2,289
Percentage increase from North Dakota avg. annual premium*
31%
Avg. annual premium* in North Dakota
$3,312
Percentage increase from North Dakota avg. annual premium*
89%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

Car insurance rates in North Dakota by credit tier

North Dakota also allows creditworthiness as a factor in car insurance rates. If you have excellent credit, you could pay an average of 20 percent less than drivers with good credit, who pay the average. But if you have poor credit, your average rates can be around 125 percent more than drivers with good credit.

Avg. annual premium* in North Dakota
$3,934
Percentage difference from North Dakota avg. annual premium*
125%
Average
Avg. annual premium* in North Dakota
$1,967
Percentage difference from North Dakota avg. annual premium*
12%
Avg. annual premium* in North Dakota
$1,749
Percentage difference from North Dakota avg. annual premium*
0%
Excellent
Avg. annual premium* in North Dakota
$1,407
Percentage difference from North Dakota avg. annual premium*
-20%
*Rates reflect full coverage policies.

North Dakota car insurance rates by vehicle type

The make and model of the car you drive can also affect your North Dakota car insurance rates. While Toyota Camry drivers typically pay around the average for the state, Ford F-150 or Honda Odyssey drivers usually pay less. However, driving a BMW 330i or Toyota Prius could mean paying more for the same coverage.

Avg. annual premium* in North Dakota
$1,749
Avg. annual premium* in North Dakota
$1,569
Avg. annual premium* in North Dakota
$1,458
BMW 330i
Avg. annual premium* in North Dakota
$2,102
Toyota Prius
Avg. annual premium* in North Dakota
$1,829
*Rates reflect full coverage policies.

Estimate your car insurance cost in North Dakota

Car insurance premiums can vary significantly in price from one driver to the next, and it can be hard to estimate what you’ll pay.That’s why Bankrate created the helpful calculator tool below. After you enter some basic information about yourself and your insurance needs, the tool presents a rough estimate of your insurance premium. The calculator won’t give you an exact quote, but the estimate can help you budget accordingly.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Methodology

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 the kind of driver you are 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 if you don’t consider your full financial picture. Your deductible is the amount you’re responsible for out of pocket, while your insurance company covers the rest, up your limits. So, a higher deductible could reduce rates, but will cost you more out of pocket if you need to file a claim.
  • Drive safe: Your driving record is one of the main factors that contributes to auto insurance rate calculations. By going a significant amount of time (generally three to five years) without having any traffic violations or insurance claims, you can often reduce your costs.

Frequently asked questions

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in June 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

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

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.