Average Car Insurance Cost in North Dakota (2026)

In North Dakota, the average cost of car insurance is $90 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.

How much is car insurance in North Dakota?

The average cost of car insurance in North Dakota is $66 per month for liability insurance, according to Insurify data. Full-coverage policies cost an average of $114 per month. Annually, state-minimum coverage costs North Dakota drivers $791, while full-coverage car insurance costs an average of $1,365 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 is based on real-time North Dakota quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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.

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 is based on real-time North Dakota quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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 is based on real-time North Dakota quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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.

What is the average annual cost of car insurance in North Dakota?

The average annual rate for car insurance in North Dakota is $791 for liability insurance. For full-coverage car insurance, the annual rate is an average cost of $1,365.

What is the cheapest car insurance company in North Dakota?

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.

How much is car insurance per month in North Dakota?

North Dakota drivers pay an average of $64 per month for liability coverage and an average monthly cost of $117 for full-coverage car insurance.

What are the best auto insurance companies in North Dakota?

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.

What are the car insurance requirements in North Dakota?

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]