North Dakota Car Insurance Cost for 2023

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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What is average car insurance cost in North Dakota?

Average car insurance cost in North Dakota is $1,500 per year, which could save drivers 14.1% over the national average rate of $1,728. Car insurance cost per month in North Dakota averages $125 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 – $1,522 per year ($127 per month)
  2. Honda CR-V compact SUV – $1,272 per year ($106 per month)
  3. Toyota Camry midsize car – $1,426 per year ($119 per month)
  4. Toyota RAV4 compact SUV – $1,388 per year ($116 per month)
  5. Toyota Corolla compact car – $1,406 per year ($117 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average North Dakota car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all North Dakota zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in North Dakota
Average Car Insurance Cost in North Dakota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,526$211
$500$2,982$249
$250$3,464$289
30$1,000$1,324$110
$500$1,580$132
$250$1,846$154
40$1,000$1,266$106
$500$1,500$125
$250$1,744$145
50$1,000$1,154$96
$500$1,364$114
$250$1,586$132
60$1,000$1,134$95
$500$1,340$112
$250$1,558$130

Rates in the chart above range from $1,134 per year for a 60-year-old driver with $1,000 deductibles to $3,464 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the average monthly cost ranges from $95 to $289.

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 $3,778 per year for a 19-year-old female driver up to $5,372 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 9.9% less than Montana, 21% less than South Dakota, and 3.4% less than Minnesota.

When compared to other states in the Midwest, average car insurance quotes in North Dakota are 20.8% more than Iowa, 14.4% more than Wisconsin, 47.6% less than Michigan, and 0.8% 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 34.9% cheaper than Louisiana, 39% cheaper than Florida, 35.6% cheaper than Nevada, 36.6% cheaper than California, and 25.1% 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.

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North Dakota Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in North Dakota Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Iowa$1,218-$282
Ohio$1,268-$232
Wisconsin$1,298-$202
Indiana$1,356-$144
North Dakota$1,500--
Nebraska$1,512$12
Minnesota$1,552$52
Illinois$1,586$86
Kansas$1,776$276
South Dakota$1,852$352
Missouri$2,030$530
Michigan$2,438$938

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average North Dakota car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all North Dakota Zip Codes.Data last updated on August 12, 2023
North Dakota Car Insurance Rates by Vehicle Segment
North Dakota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,366$114
Midsize Pickup$1,416$118
Midsize SUV$1,462$122
Minivan$1,470$123
Compact Car$1,492$124
Midsize Car$1,530$128
Compact Luxury SUV$1,622$135
Half-ton Pickup$1,628$136
Large SUV$1,640$137
Compact Luxury Car$1,650$138
Heavy Duty Pickup$1,724$144
Midsize Luxury SUV$1,740$145
Large Car$1,744$145
Midsize Luxury Car$1,906$159
Sports Car$2,052$171
Large Luxury SUV$2,204$184
Large Luxury Car$2,314$193

What is the cheapest car insurance in North Dakota?

The cheapest car insurance (2-door and 4-door sedans) in North Dakota is $1,240 per year for the Subaru Impreza. The cheapest overall rate (all vehicle segments) is on the Chevrolet Trailblazer at $1,134 per year.

As a group, the models with the cheapest car insurance in North Dakota are small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Buick Encore, and Buick Envision. Individually, average insurance cost for those three models is $1,134, $1,144, $1,194, and $1,198 per year, respectively.

The table below ranks the top 75 cheapest vehicles to insure in North Dakota for the 2023 model year.

Top 75 Cheapest Car Insurance Rates in North Dakota
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,134$95
2Subaru Crosstrek$1,144$95
3Nissan Kicks$1,150$96
4Honda Passport$1,164$97
5Nissan Rogue Sport$1,170$98
6Mazda CX-5$1,178$98
7Buick Encore$1,194$100
8Buick Envision$1,198$100
9Kia Seltos$1,214$101
10Subaru Ascent$1,218$102
11Hyundai Venue$1,224$102
12Subaru Impreza$1,240$103
13Ford Maverick$1,244$104
14Chevrolet Colorado$1,246$104
15Honda HR-V$1,246$104
16Acura RDX$1,252$104
17Hyundai Kona$1,258$105
18Subaru Forester$1,264$105
19Ford Edge$1,270$106
20Honda CR-V$1,272$106
21Mazda CX-30$1,274$106
22Ford Explorer$1,278$107
23Volkswagen Atlas$1,280$107
24Chevrolet Trax$1,288$107
25Nissan Murano$1,288$107
26Subaru Outback$1,290$108
27Nissan Frontier$1,294$108
28Volkswagen Tiguan$1,304$109
29Ford Bronco Sport$1,306$109
30Fiat 500X$1,328$111
31Ford Ranger$1,330$111
32GMC Terrain$1,334$111
33Kia Soul$1,336$111
34Mitsubishi Eclipse Cross$1,338$112
35Volkswagen Atlas Cross Sport$1,340$112
36Lexus RX 350$1,342$112
37Acura Integra$1,348$112
38Chevrolet Equinox$1,348$112
39Cadillac XT4$1,354$113
40Toyota Corolla Cross$1,354$113
41Volkswagen Taos$1,356$113
42GMC Canyon$1,360$113
43Toyota Tacoma$1,368$114
44Toyota Venza$1,368$114
45Honda Odyssey$1,370$114
46Mazda CX-50$1,370$114
47Volkswagen Jetta$1,370$114
48Hyundai Tucson$1,372$114
49Ford Escape$1,374$115
50Kia Sorento$1,378$115
51Volvo XC40$1,378$115
52Nissan Rogue$1,380$115
53Subaru Legacy$1,382$115
54Infiniti QX50$1,386$116
55Mazda MX-5 Miata$1,386$116
56Toyota RAV4$1,388$116
57Kia Niro$1,390$116
58Hyundai Palisade$1,392$116
59Hyundai Santa Cruz$1,392$116
60Nissan Sentra$1,392$116
61Mazda MX-30$1,394$116
62Mini Cooper$1,398$117
63Lexus UX 250h$1,402$117
64Chevrolet Tahoe$1,404$117
65Toyota 4Runner$1,404$117
66Toyota Corolla$1,406$117
67Jeep Compass$1,408$117
68Volkswagen Golf$1,410$118
69Toyota Prius$1,414$118
70Mini Cooper Clubman$1,424$119
71Cadillac XT5$1,426$119
72Toyota Camry$1,426$119
73GMC Acadia$1,428$119
74Chevrolet Traverse$1,430$119
75Mazda 3$1,440$120

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in North Dakota.Data last updated on August 11, 2023
    Top 75 Cheapest Car Insurance Rates in North Dakota

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average North Dakota car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all North Dakota Zip Codes.Data last updated on August 11, 2023
    North Dakota Car Insurance Rates for Popular Vehicles
    North Dakota Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,144$95
    Honda CR-V$1,272$106
    Ford Explorer$1,278$107
    Nissan Rogue$1,380$115
    Toyota RAV4$1,388$116
    Toyota Camry$1,426$119
    Ford F150$1,522$127
    Ford Mustang$1,624$135
    Ram Truck$1,638$137
    Chevrolet Silverado$1,644$137

    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 $4 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 $1,804 or more per year.
    • Negligent driving raises car insurance rates. Multiple at-fault accidents raise rates, potentially up to $2,098 per year for a 20-year-old driver and even as much as $458 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 $284 per year for a 40-year-old driver and $552 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 $294 per year for a 40-year-old driver and $1,204 per year for a 20-year-old driver.
    • Clean up your credit to lower your rates. Having excellent credit of 800+ may save $236 per year compared to a good rating of 670-739. Conversely, a lesser credit score could cost around $273 more per year.
    • Car insurance rates for teenagers are high. Average rates for full coverage car insurance costs $5,372 per year for a 16-year-old driver, $5,022 per year for a 17-year-old driver, $4,694 per year for an 18-year-old driver, and $4,248 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.