Average Car Insurance Cost in North Dakota (2024)

North Dakota drivers pay an average of $89 per month for liability insurance and $165 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.

What’s the average cost of car insurance in North Dakota?

In North Dakota, drivers pay average monthly auto insurance rates of $89 for liability coverage and $165 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.

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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.

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.

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.

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.

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.

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.

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