- North Dakota car insurance cost averages $1,168 per year for a full-coverage policy, or around $97 per month.
- North Dakota ranks sixth out of 12 Midwest states for cheapest average car insurance quotes, and ranks 12th out of all 50 states.
- Rates on some of the more popular vehicles in North Dakota include the Ford F150 at $1,114 per year, Toyota RAV4 at $1,124 per year, and Nissan Rogue at $1,048 per year.
What is average car insurance cost in North Dakota?
Average car insurance cost in North Dakota is $1,168 per year, which could save drivers 23.3% over the national average rate of $1,523. Car insurance cost per month in North Dakota averages $97 for full coverage.
Car insurance rate averages in North Dakota for the top five most popular vehicles in the state base on 2021 year-to-date sales figures are shown below.
- Ford F-150 pickup – $1,114 per year ($93 per month)
- Honda CR-V compact SUV – $878 per year ($73 per month)
- Toyota Camry midsize car – $1,164 per year ($97 per month)
- Toyota RAV4 compact SUV – $1,124 per year ($94 per month)
- Toyota Corolla compact car – $1,012 per year ($84 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
Rates in the chart above range from $884 per year for a 60-year-old driver with $1,000 deductibles to $2,690 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the average monthly cost ranges from $74 to $224.
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 $2,936 per year for a 19-year-old female driver up to $4,184 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 16.1% less than Montana, 6.9% less than South Dakota, and 13.2% less than Minnesota.
When compared to other states in the Midwest, average car insurance quotes in North Dakota are 16.6% more than Iowa, 5.8% more than Wisconsin, 57.1% less than Michigan, and 2.7% 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 48% cheaper than Louisiana, 42.9% cheaper than Florida, 31.2% cheaper than Nevada, 30.3% cheaper than California, and 27.9% 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 sixth in the Midwest, and twelfth out of all 50 states.
|Midwest Region States||Average Insurance Cost||Annual Difference|
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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Small Luxury SUV||$1,226||$102|
|Heavy Duty Truck||$1,314||$110|
|Midsize Luxury SUV||$1,316||$110|
|Small Luxury Car||$1,358||$113|
|Midsize Luxury Car||$1,542||$129|
|Large Luxury SUV||$1,574||$131|
|Large Luxury Car||$1,800||$150|
What is the cheapest car insurance in North Dakota?
The cheapest car insurance (2-door and 4-door sedans) in North Dakota is $932 per year for the Volkswagen Golf. The cheapest overall rate (all vehicle segments) is on the Subaru Forester at $866 per year.
For other vehicle segments, the cheapest models to insure are the Mazda 6 at $1,082 per year, the Ford Edge at $926 per year, the Kia Cadenza at $1,182 per year, the Toyota Sequoia at $1,152 per year, the Toyota Tacoma at $982 per year, and the Ford F150 at $1,114 per year.
The table below ranks the top 75 cheapest vehicles to insure in North Dakota for the 2021 model year.
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.
|Make/Model||Annual Rate||Monthly Rate|
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 $92 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 $1,400 or more per year.
- Negligent driving raises car insurance rates. Multiple at-fault accidents raise rates, potentially up to $1,630 per year for a 20-year-old driver and even as much as $356 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 $236 per year for a 40-year-old driver and $458 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 $244 per year for a 40-year-old driver and $1,172 per year for a 20-year-old driver.
- Clean up your credit to lower your rates. Having excellent credit of 800+ may save $183 per year compared to a good rating of 670-739. Conversely, a lesser credit score could cost around $213 more per year.
- Car insurance rates for teenagers are high. Average rates for full coverage car insurance costs $4,184 per year for a 16-year-old driver, $3,910 per year for a 17-year-old driver, $3,650 per year for a 18-year-old driver, and $3,302 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.