North Dakota Car Insurance Cost for 2025

How much does car insurance cost in North Dakota? We find which vehicles are cheapest to insure and rank North Dakota against other Midwest states.

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Chevy Silverado HD driving through North Dakota cattle country at sunset

What is average car insurance cost in North Dakota?

Average car insurance cost in North Dakota is $2,174 per year, which could save drivers 2.1% over the national average rate of $2,221. Car insurance cost per month in North Dakota averages $181 for full coverage.

Car insurance rate averages in North Dakota for five of the most popular vehicles in the state are shown below.

  1. Ford F-150 pickup – $2,436 per year ($203 per month)
  2. Honda CR-V compact SUV – $1,854 per year ($155 per month)
  3. Toyota Camry midsize car – $2,338 per year ($195 per month)
  4. Toyota RAV4 compact SUV – $2,008 per year ($167 per month)
  5. Toyota Corolla compact car – $2,120 per year ($177 per month)

The chart below shows average auto insurance rates in North Dakota for driver ages 20 to 60 and for three different policy deductible levels.

Average full-coverage car insurance premium in North Dakota for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in North Dakota for different ages of drivers. Rates updated on June 27, 2025.
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Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all North Dakota Zip Codes.

Average Car Insurance Cost in North Dakota
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,704$309
$500$4,376$365
$250$5,090$424
30$1,000$1,946$162
$500$2,324$194
$250$2,714$226
40$1,000$1,830$153
$500$2,174$181
$250$2,534$211
50$1,000$1,628$136
$500$1,928$161
$250$2,238$187
60$1,000$1,526$127
$500$1,806$151
$250$2,096$175

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all North Dakota Zip Codes. Updated June 27, 2025

Rates in the chart above range from $1,526 per year for a 60-year-old driver with $1,000 deductibles to $5,090 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the average monthly cost ranges from $127 to $424.

The most expensive driver age group to insure on any vehicle are teenagers. Average car insurance rates for teen drivers in North Dakota range from $5,179 per year for a 19-year-old female driver up to $7,751 per year for a 16-year-old male driver.

Is North Dakota car insurance affordable?

When compared to neighboring states, North Dakota car insurance rates are 6.9% less than Montana, 14.9% less than South Dakota, and 2.5% less than Minnesota.

When compared to other states in the Midwest, average car insurance quotes in North Dakota are 13.6% more than Iowa, 9.4% more than Wisconsin, 27.2% less than Michigan, and 0.6% less than Nebraska.

Auto insurance rates in North Dakota are definitely cheap when compared to some of the more expensive states in the country.  The average cost in North Dakota is 20.1% cheaper than Louisiana, 23.5% cheaper than Florida, 25.9% cheaper than Nevada, 26.6% cheaper than California, and 17.9% cheaper than Colorado.

The chart below shows how North Dakota ranks when compared to the rest of the states in the U.S. Midwest. North Dakota’s average car insurance cost ranks fifth in the Midwest, and 14th out of all 50 states.

Average cost of car insurance in North Dakota compared to other Midwest region states.
Figure 2: Average cost of car insurance in North Dakota compared to other Midwest region states. Rates updated on June 27, 2025.
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Average Car Insurance Cost in North Dakota Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,898-$276
Ohio$1,948-$226
Wisconsin$1,978-$196
Indiana$2,034-$140
North Dakota$2,174--
Nebraska$2,188$14
Minnesota$2,228$54
Illinois$2,262$88
Kansas$2,450$276
South Dakota$2,524$350
Missouri$2,698$524
Michigan$2,858$684

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all North Dakota Zip Codes. Updated June 27, 2025

Average car insurance rates by vehicle segment

The chart below shows average car insurance rates in North Dakota for the different vehicle segments like compact SUVs, midsize cars, luxury SUVs, etc. Rates tend to be cheaper on segments like small SUVs, midsize pickups, minivans, and compact cars. Conversely, rates tend to be more expensive on luxury models and sports cars.

Car insurance average cost by automotive segment in North Dakota.
Figure 3: Car insurance average cost by automotive segment in North Dakota. Rates updated on June 27, 2025.
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Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all North Dakota Zip Codes.

Car Insurance Rates by Automotive Segment in North Dakota
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,998$167
Compact Car$2,148$179
Midsize SUV$2,150$179
Minivan$2,154$180
Midsize Pickup$2,196$183
Midsize Car$2,218$185
Compact Luxury SUV$2,360$197
Compact Luxury Car$2,394$200
Large SUV$2,400$200
Half-ton Pickup$2,410$201
Heavy Duty Pickup$2,502$209
Midsize Luxury SUV$2,582$215
Midsize Luxury Car$2,666$222
Sports Car$2,992$249
Large Car$3,130$261
Large Luxury SUV$3,370$281
Large Luxury Car$3,480$290

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all North Dakota Zip Codes. Updated June 27, 2025

What is the cheapest car insurance in North Dakota?

The cheapest car insurance (2-door and 4-door sedans) in North Dakota is $1,890 per year for the Toyota GR Corolla. The cheapest overall rate (all vehicle segments) is on the Subaru Crosstrek at $1,606 per year.

As a group, the models with the cheapest car insurance in North Dakota are small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Hyundai Venue. Individually, average insurance cost for those three models is $1,606, $1,636, $1,754, and $1,768 per year, respectively.

The table below ranks the top 75 cheapest vehicles to insure in North Dakota for the 2024 model year.

Top 75 Cheapest Car Insurance Rates in North Dakota
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,606$134
2Chevrolet Trailblazer$1,636$136
3Kia Soul$1,698$142
4Nissan Kicks$1,714$143
5Honda Passport$1,734$145
6Buick Envision$1,744$145
7Toyota Corolla Cross$1,754$146
8Hyundai Venue$1,768$147
9Mazda CX-5$1,774$148
10Ford Bronco Sport$1,782$149
11Volkswagen Tiguan$1,802$150
12Acura RDX$1,820$152
13Nissan Murano$1,828$152
14Buick Encore$1,846$154
15Honda CR-V$1,854$155
16Subaru Outback$1,854$155
17Buick Envista$1,860$155
18Volkswagen Taos$1,864$155
19Kia Niro$1,874$156
20Toyota GR Corolla$1,890$158
21Subaru Ascent$1,894$158
22Honda HR-V$1,896$158
23Nissan Leaf$1,908$159
24Chevrolet Colorado$1,918$160
25Lexus NX 250$1,926$161
26Honda Civic$1,928$161
27Volkswagen Atlas$1,930$161
28Acura Integra$1,934$161
29Subaru Forester$1,938$162
30Volkswagen Atlas Cross Sport$1,938$162
31Kia Seltos$1,944$162
32GMC Terrain$1,948$162
33Nissan Rogue$1,956$163
34Hyundai Kona$1,960$163
35Cadillac XT4$1,964$164
36Mazda CX-30$1,964$164
37Volkswagen ID4$1,972$164
38Ford Explorer$1,974$165
39Toyota Highlander$1,980$165
40Ford Escape$1,986$166
41Toyota Venza$1,986$166
42Honda Odyssey$1,988$166
43Nissan Sentra$1,994$166
44Subaru Impreza$2,000$167
45Chevrolet Equinox$2,004$167
46Toyota RAV4$2,008$167
47Mazda MX-5 Miata$2,012$168
48Mazda MX-30$2,018$168
49Hyundai Tucson$2,022$169
50Chevrolet Traverse$2,030$169
51Toyota Prius$2,032$169
52Jaguar E-Pace$2,034$170
53Nissan Titan$2,036$170
54Chevrolet Tahoe$2,042$170
55Mitsubishi Outlander Sport$2,044$170
56Cadillac XT5$2,052$171
57Lexus NX 350h$2,052$171
58Mitsubishi Outlander PHEV$2,054$171
59Chevrolet Trax$2,056$171
60Ford Edge$2,058$172
61Nissan Frontier$2,058$172
62Mini Cooper Clubman$2,064$172
63Kia Sorento$2,066$172
64Mini Cooper$2,066$172
65Lincoln Corsair$2,078$173
66Ford Ranger$2,080$173
67Mercedes-Benz GLB 250$2,082$174
68Lexus UX 250h$2,088$174
69Mitsubishi Eclipse Cross$2,088$174
70Jeep Renegade$2,092$174
71Kia K5$2,096$175
72GMC Acadia$2,100$175
73Honda Accord$2,100$175
74Lexus NX 450h$2,100$175
75Buick Enclave$2,104$175

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all North Dakota Zip Codes. Updated June 26, 2025

View Table as Image
Top 75 cheapest vehicles to insure in North Dakota with the Subaru Crosstrek ranking first at $1,606 per year
Top 75 cheapest vehicles to insure in North Dakota with the Subaru Crosstrek ranking first at $1,606 per year

The chart below shows average car insurance quotes in North Dakota for 10 of the more popular vehicles sold in the state. Clicking the table icon button at the bottom left corner of the chart will reveal both annual and average monthly insurance cost for each vehicle.

Average cost to insure popular 2024 model year vehicles in North Dakota.
Figure 4: Average cost to insure popular 2024 model year vehicles in North Dakota. Rates updated on June 27, 2025.
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Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all North Dakota Zip Codes.

North Dakota Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,606$134
Honda CR-V$1,854$155
Nissan Rogue$1,956$163
Ford Explorer$1,974$165
Toyota RAV4$2,008$167
Toyota Camry$2,338$195
Ford Mustang$2,390$199
Chevrolet Silverado$2,406$201
Ford F150$2,436$203
Ram Truck$2,518$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all North Dakota Zip Codes. Updated June 27, 2025

Additional rates and observations

Some additional rates and savings tips regarding the cost to insure a car in North Dakota include:

  • Earn policy discounts to save money. Discounts may be available if the insured drivers work in certain occupations, are good students, take a defensive driving course, sign their policy early, or many other policy discounts which could save the average driver as much as $226 per year.
  • High-risk car insurance is expensive. For a 40-year-old driver, the requirement to buy a high-risk car insurance policy could result in a rate increase of $2,640 or more per year.
  • Negligent driving raises car insurance rates. Multiple at-fault accidents raise rates, potentially up to $3,108 per year for a 20-year-old driver and even as much as $534 per year for a 60-year-old driver.
  • Auto insurance is cheaper with higher deductibles. Increasing deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Choosing a low deductible may not make good financial sense. Lowering the comprehensive and collision deductibles from $500 to $250 could cost an additional $388 per year for a 40-year-old driver and $1,104 per year for a 20-year-old driver.
  • Clean up your credit to lower your rates. Having excellent credit of 800+ may save $341 per year compared to a good rating of 670-739. Conversely, a lesser credit score could cost around $396 more per year.
  • Car insurance rates for teenagers are high. Average rates for full coverage car insurance costs $7,751 per year for a 16-year-old driver, $7,508 per year for a 17-year-old driver, $6,728 per year for an 18-year-old driver, and $6,125 per year for a 19-year-old driver.

Average rates by city in North Dakota

Average annual and monthly car insurance rates are listed below for some of North Dakota’s larger cities. Visiting any of these pages shows detailed insurance rate information, including rankings for over 150 of the cheapest cars, trucks, and SUVs to insure in each city.