Average Car Insurance Cost in North Dakota (2025)
Drivers in North Dakota pay an average of $107 per month for car insurance.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
In North Dakota, the average cost of car insurance is $107 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.
Quick Facts
Fargo has some of the most expensive rates in North Dakota.
Direct Auto offers cheap car insurance coverage in North Dakota.
The Ford F-Series, Chevrolet Silverado, and GMC Sierra are three of the most popular vehicles in North Dakota.
How much is car insurance in North Dakota?
See More
To find car insurance rates in North Dakota and the U.S. over the last two years, download our data here.
The average cost of car insurance in North Dakota is $79 per month for liability insurance, according to Insurify data. Full-coverage policies cost an average of $136 per month. Annually, state-minimum coverage costs North Dakota drivers $950, while full-coverage car insurance costs an average of $1,628 per year.
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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.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Fargo | $87 | $132 |
| Grand Forks | $116 | $86 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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North Dakota Car Insurance Laws and Requirements (2025)
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.
Age | Average Monthly Liability-Only Quote Male | Average Monthly Full-Coverage Quote Male |
|---|---|---|
| 16 | $195 | $346 |
| 18 | $170 | $301 |
| 20 | $99 | $176 |
| 25 | $87 | $154 |
| 30 | $75 | $132 |
| 40 | $69 | $122 |
| 50 | $70 | $123 |
| 60 | $71 | $126 |
| 70+ | $77 | $136 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $191 | $339 |
| 18 | $166 | $295 |
| 20 | $97 | $172 |
| 25 | $85 | $151 |
| 30 | $73 | $130 |
| 40 | $67 | $120 |
| 50 | $68 | $121 |
| 60 | $69 | $124 |
| 70+ | $75 | $133 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $141 |
| Chevrolet Silverado | $149 |
| GMC Sierra | $151 |
| Ram 1500/2500/3500 | $167 |
| Jeep Grand Cherokee | $152 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $171 | 51% |
| With speeding ticket | $182 | 61% |
| With DUI | $194 | 72% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $63 $112 Good $69 $123 Fair $78 $138 Poor $96 $170 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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:
Commit to safe driving
Staying claims- and incident-free can help you qualify for the lowest rates from car insurance companies.
Bundle insurance policies
One of the top discounts insurance companies provide is a bundling discount. If you group together, or bundle, different insurance policies, such as home insurance or renters insurance with your auto coverage, you could save on your premiums.
Pay up front
If you pay your premiums up front and in full, you can typically score a discount.
Increase deductibles
Your car insurance deductible is what you pay when filing a claim before any of your coverage kicks in. If you increase your deductible, you generally qualify for lower car insurance premiums. Be mindful of your budget so you can pay the deductible out of pocket.
Compare options
Shopping around and obtaining multiple car insurance quotes can help you find the best coverage for your needs at a rate you can afford. Look at coverage options, premiums, potential discounts, financial strength ratings, and customer reviews.
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 $950 for liability insurance. For full-coverage car insurance, the annual rate is an average cost of $1,628.
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 $72 per month for liability coverage and an average monthly cost of $127 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]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- III. "What determines the price of an auto insurance policy?."
- North Dakota Insurance Department. "Credit Scores and Insurance."
- North Dakota Insurance Department. "Auto."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.