Average Car Insurance Cost in North Dakota (2025)
Drivers in North Dakota pay an average of $108 per month for car insurance.
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Table of contents
North Dakota drivers pay an average of $79 per month for liability insurance and $136 for full coverage. Compared to the national averages, car insurance rates are cheaper in the Flickertail State, potentially due to its low population density and low crime rates.[1]
Here’s a closer look at how you can compare quotes to find the best deal as a driver in North Dakota.
Quick Facts
The average cost of car insurance in North Dakota is lower than the national averages of $105 per month for liability coverage and $196 per month for full coverage.
North Dakota is one of the most sparsely populated states, with a population density of just 11 people per square mile.[2]
Fargo has the highest car insurance rates in North Dakota.
What’s the average cost of car insurance in North Dakota?
In North Dakota, drivers pay average monthly auto insurance rates of $79 for liability coverage and $136 for a full-coverage policy. Factors like your location, ZIP code, driving record, credit history, vehicle make and model, coverage levels, and policy limits will determine the rates you pay.[3]
Here’s a look at average car insurance costs in North Dakota from several different insurers.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company  | Full Coverage | Liability Only |
|---|---|---|
| Direct Auto | $116 | $68 |
| Root | $123 | $71 |
| Safeco | $130 | $84 |
| Bristol West | $162 | $77 |
| The General | $173 | $104 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Liability rates average $79 per month
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Average North Dakota car insurance rates by city
Where you live in North Dakota plays a role in the premiums you receive. If you’re in an urban area, for example, car insurance companies will likely charge you more for an auto policy. This is typically due to the higher rates of accidents, theft, and vandalism. On the flip side, you’ll likely land more affordable auto car insurance and competitive rates if you live in a small town with fewer drivers and auto accidents.
The table below shows car insurance costs in a couple North Dakota cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Fargo | $131 | $94 |
| Grand Forks | $122 | $88 |
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.
Average North Dakota car insurance rates by age
Due to their limited experience on the road and higher risks of getting into accidents, teens and young drivers usually face higher premiums than older drivers. You’ll find that average rates tend to decrease around age 25 and increase again around age 70.
Here’s an overview of average auto insurance rates for full-coverage insurance in North Dakota, by age group.
Average Monthly Quote by Driver Age
How gender affects car insurance rates in North Dakota
Gender can affect your car insurance costs in North Dakota. In general, men pay more for auto insurance than women because statistics show they’re more likely to get into accidents.[4] Age is also important because it can indicate how much experience you have behind the wheel.
This table breaks down the average rates by gender and age in North Dakota.
Age | Male | Female |
|---|---|---|
| 16 | $299 | $239 |
| 35 | $133 | $120 |
| 50 | $117 | $110 |
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
Incidents on your driving record — such as at-fault accidents, speeding tickets, and DUIs — can increase your car insurance rates. This is because auto insurance companies perceive these traffic violations as high-risk driving behavior that makes you more likely to file a future claim. People with a clean driving record enjoy greater savings than high-risk drivers.
Here’s a look at how different incident types affect car insurance premiums in North Dakota.
Driver Record | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Clean record | $136 | $79 |
| With accident | $195 | $117 |
| With speeding ticket | $231 | $139 |
| With DUI | $224 | $135 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average North Dakota car insurance rates by marital status
Your marital status can influence what you pay for an auto insurance policy in North Dakota. If you’re married, you’re more likely to secure cheaper coverage because you’ll have more access to discounts than if you were a single driver. Being married can also make it easier for you to share the cost of coverage and bundle policies to save some money.
The table below shows average premiums in North Dakota for single and married drivers.
Marital Status | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Single | $147 | $89 |
| Married | $145 | $87 |
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.
Average North Dakota car insurance rates by credit tier
North Dakota, like most states, allows auto insurers to consider a person’s credit history during the underwriting process. This means drivers with good credit typically lock in the lowest average rates for car insurance compared to drivers with less-than-perfect credit histories.[5]
The table below shows average premiums for North Dakota residents based on credit history.
Credit Tier | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Excellent | $114 | $69 |
| Good | $129 | $78 |
| Fair | $147 | $89 |
| Poor | $162 | $98 |
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.
North Dakota car insurance FAQs
If you’re shopping for car insurance in North Dakota, you may find this additional information helpful.
What is the average cost of car insurance in North Dakota?
North Dakota drivers pay an average of $79 per month for liability coverage and $136 per month for full coverage. Your location, ZIP code, driving record, credit history, and other factors help determine your average rate.
What is the cheapest car insurance in North Dakota?
Liability insurance is the cheapest auto coverage in North Dakota. It’s a good idea to shop around and compare your coverage options so you can zero in on the best policy and the cheapest option for your unique situation. You can work with an insurance agent or use an online insurance-comparison website to get car insurance quotes.
What are the best auto insurance companies in North Dakota?
The best car insurance companies in North Dakota include State Farm, American Family, GEICO, Bristol West, The General, and Midvale Home & Auto. These are the best because they have a good reputation and offer affordable car insurance coverage.
What is the minimum insurance required in North Dakota?
In North Dakota, all drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability coverage, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage. The state also requires $30,000 in basic no-fault protection.[6]
Is it illegal to not have car insurance in North Dakota?
Yes. It’s illegal to drive without the minimum amount of car insurance in North Dakota. If you’re caught driving without auto insurance that meets state minimums, you may face penalties such as fines, jail time, and license suspension. You’ll also be on the hook for the other party’s property damage and medical bills after an at-fault auto accident.[7]
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.
Sources
- Federal Reserve Bank of St. Louis. "Resident Population by State."
- U.S. Census Bureau. "Quick Facts North Dakota."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Library of Medicine. "Female vs. male relative fatality risk in fatal motor vehicle crashes in the US, 1975–2020."
- Insurance Information Institute. "Background on: Insurance scoring."
- North Dakota Insurance Department. "Auto."
- North Dakota Legislative Council. "Criminal Procedure for Driving Without Liability Insurance."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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