- North Dakota car insurance cost averages $2,222 per year for a full-coverage policy, or around $185 per month.
- North Dakota ranks fifth out of 12 Midwest states for cheapest average car insurance quotes, and ranks 14th out of all 50 states.
- Rates on some of the more popular vehicles in North Dakota include the Ford F150 at $2,482 per year, Toyota RAV4 at $2,048 per year, and Nissan Rogue at $1,994 per year.
What is average car insurance cost in North Dakota?
Average car insurance cost in North Dakota is $2,222 per year, which could save drivers 2.4% over the national average rate of $2,276. Car insurance cost per month in North Dakota averages $185 for full coverage.
Car insurance rate averages in North Dakota for five of the most popular vehicles in the state are shown below.
- Ford F-150 pickup – $2,482 per year ($207 per month)
- Honda CR-V compact SUV – $1,892 per year ($158 per month)
- Toyota Camry midsize car – $2,384 per year ($199 per month)
- Toyota RAV4 compact SUV – $2,048 per year ($171 per month)
- Toyota Corolla compact car – $2,164 per year ($180 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.
Rates in the chart above range from $1,558 per year for a 60-year-old driver with $1,000 deductibles to $5,192 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the average monthly cost ranges from $130 to $433.
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 $5,288 per year for a 19-year-old female driver up to $7,905 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 6.7% less than Montana, 14.4% less than South Dakota, and 2.2% less than Minnesota.
When compared to other states in the Midwest, average car insurance quotes in North Dakota are 13.4% more than Iowa, 9.4% more than Wisconsin, 26% less than Michigan, and 0.5% 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 19.3% cheaper than Louisiana, 22.7% cheaper than Florida, 25.1% cheaper than Nevada, 25.9% cheaper than California, and 17.3% 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 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.
What is the cheapest car insurance in North Dakota?
The cheapest car insurance (2-door and 4-door sedans) in North Dakota is $1,930 per year for the Toyota GR Corolla. The cheapest overall rate (all vehicle segments) is on the Subaru Crosstrek at $1,640 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 $1,640, $1,668, $1,788, and $1,802 per year, respectively.
The table below ranks the top 75 cheapest vehicles to insure in North Dakota for the 2024 model year.
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 October 24, 2025
North Dakota car insurance cost for popular vehicles
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.
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 $228 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 $2,690 or more per year.
- Negligent driving raises car insurance rates. Multiple at-fault accidents raise rates, potentially up to $3,166 per year for a 20-year-old driver and even as much as $540 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 $382 per year for a 40-year-old driver and $742 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 $396 per year for a 40-year-old driver and $1,152 per year for a 20-year-old driver.
- Clean up your credit to lower your rates. Having excellent credit of 800+ may save $349 per year compared to a good rating of 670-739. Conversely, a lesser credit score could cost around $404 more per year.
- Car insurance rates for teenagers are high. Average rates for full coverage car insurance costs $7,905 per year for a 16-year-old driver, $7,660 per year for a 17-year-old driver, $6,865 per year for an 18-year-old driver, and $6,252 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.
- Fargo Car Insurance - $2,134 per year or $178 per month
- Bismarck Car Insurance - $2,278 per year or $190 per month
- Grand Forks Car Insurance - $2,114 per year or $176 per month
- Minot Car Insurance - $2,256 per year or $188 per month
- West Fargo Car Insurance - $2,088 per year or $174 per month
- Mandan Car Insurance - $2,300 per year or $192 per month
- Dickinson Car Insurance - $2,270 per year or $189 per month