Teenagers pay the highest premiums to drive in North Dakota: $337 on average, which is more than $180 above the state average. Young adults in their 20s see their average rates go way down to $169, which is only a little above the state average.

Rates continue to go down for the older age groups in North Dakota, hitting their lowest for drivers in their 60s, who only pay $101 per month. From there, prices tick up a bit, hitting $141 for drivers in their 70s.

If you’re a man in North Dakota, you’ll likely pay more for car insurance than the state’s women. On average, men pay $167, which is $23 more than the $144 average for women.

In North Dakota, buying a marriage license isn’t the only price you’ll pay when you get married. You’ll also end up paying, on average, $33 more per month for car insurance. With insurance premiums low as it is, a $33 difference is pretty significant. Married drivers also pay $23 over the state average for car insurance.

North Dakota drivers must have proof of insurance on them whenever they’re on the roads. The state requires a fairly standard amount of car insurance: $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with the injuries up to that limit. Additionally, drivers must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.

North Dakota is a no-fault state, which affects some of the state’s coverage requirements. For instance, they require $30,000 in personal injury protection (PIP) per person per accident, which covers economic losses, medical costs, and death benefits associated with an accident—regardless of fault. The state also requires $25,000 in uninsured/underinsured motorist bodily injury per person and $50,000 per accident. This keeps you protected if you’re involved in an accident with an uninsured or underinsured driver.

North Dakota allows car insurance companies to consider your credit history when determining your car insurance rates. Despite this, drivers with an excellent credit history actually pay $18 more on car insurance ($151 per month) than those with a poor credit history ($133 per month). Drivers with an average or good credit history are in the middle of these two extremes, at $145 per month and $142 per month, respectively.

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in North Dakota will pay $27 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $9. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.