North Dakota Car Insurance Cost for 2022

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 $1,268 per year, which could save drivers 18.2% over the national average rate of $1,551. Car insurance cost per month in North Dakota averages $106 for full coverage.

Car insurance rate averages in North Dakota for the top five most popular vehicles in the state base on 2022 year-to-date sales figures are shown below.

  1. Ford F-150 pickup – $1,226 per year ($102 per month)
  2. Honda CR-V compact SUV – $1,108 per year ($92 per month)
  3. Toyota Camry midsize car – $1,246 per year ($104 per month)
  4. Toyota RAV4 compact SUV – $1,196 per year ($100 per month)
  5. Toyota Corolla compact car – $1,248 per year ($104 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.

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Chart Data Details: Chart shows average North Dakota car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in North Dakota
Average Car Insurance Cost in North Dakota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,132$178
$500$2,510$209
$250$2,912$243
30$1,000$1,120$93
$500$1,330$111
$250$1,554$130
40$1,000$1,072$89
$500$1,268$106
$250$1,470$123
50$1,000$978$82
$500$1,154$96
$250$1,338$112
60$1,000$960$80
$500$1,132$94
$250$1,312$109

Rates in the chart above range from $960 per year for a 60-year-old driver with $1,000 deductibles to $2,912 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the average monthly cost ranges from $80 to $243.

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 $3,182 per year for a 19-year-old female driver up to $4,536 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 14.6% less than Montana, 8% less than South Dakota, and 5.2% less than Minnesota.

When compared to other states in the Midwest, average car insurance quotes in North Dakota are 15.1% more than Iowa, 22.4% more than Wisconsin, 47.7% less than Michigan, and 12.9% 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 42.5% cheaper than Louisiana, 43.1% cheaper than Florida, 24.2% cheaper than Nevada, 27.4% cheaper than California, and 22% 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 6th in the Midwest, and 19th 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
Ohio$888-$380
Wisconsin$1,036-$232
Iowa$1,102-$166
Indiana$1,138-$130
Illinois$1,232-$36
North Dakota$1,268--
Minnesota$1,338$70
South Dakota$1,378$110
Nebraska$1,456$188
Kansas$1,534$266
Missouri$1,614$346
Michigan$2,424$1,156

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.

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Chart Data Details: Average North Dakota car insurance cost by segment is based on 2022 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 April 12, 2022
North Dakota Car Insurance Rates by Vehicle Segment
North Dakota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,182$99
Midsize Pickup$1,216$101
Minivan$1,274$106
Midsize SUV$1,282$107
Compact Car$1,302$109
Midsize Car$1,322$110
Half-ton Pickup$1,374$115
Compact Luxury SUV$1,424$119
Large SUV$1,430$119
Compact Luxury Car$1,438$120
Large Car$1,466$122
Heavy Duty Pickup$1,510$126
Midsize Luxury SUV$1,530$128
Midsize Luxury Car$1,678$140
Sports Car$1,784$149
Large Luxury SUV$1,914$160
Large Luxury Car$2,002$167

What is the cheapest car insurance in North Dakota?

The cheapest car insurance (2-door and 4-door sedans) in North Dakota is $1,098 per year for the Subaru Impreza. The cheapest overall rate (all vehicle segments) is on the Mazda CX-5 at $964 per year.

As a group, the models with the cheapest car insurance in North Dakota are small SUVs like the Mazda CX-5, Nissan Kicks, Buick Encore, and Nissan Rogue Sport. Individually, average insurance cost for those three models is $964, $986, $1,048, and $1,056 per year, respectively.

The table below ranks the top 75 cheapest vehicles to insure in North Dakota for the 2022 model year.

Top 75 Cheapest Car Insurance Rates in North Dakota
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$964$80
2Nissan Kicks$986$82
3Chevrolet Trailblazer$992$83
4Subaru Crosstrek$1,016$85
5Honda Passport$1,018$85
6Chevrolet Colorado$1,044$87
7Toyota C-HR$1,044$87
8Buick Encore$1,048$87
9Nissan Rogue Sport$1,056$88
10Buick Envision$1,076$90
11Hyundai Venue$1,076$90
12Kia Seltos$1,076$90
13Acura RDX$1,084$90
14Ford Maverick$1,084$90
15Toyota Corolla Cross$1,086$91
16Subaru Ascent$1,088$91
17Hyundai Kona$1,094$91
18Mazda MX-5 Miata$1,096$91
19Subaru Forester$1,096$91
20Subaru Impreza$1,098$92
21Volkswagen Tiguan$1,098$92
22Chevrolet Spark$1,104$92
23Honda CR-V$1,108$92
24Cadillac XT4$1,112$93
25Mazda CX-30$1,120$93
26Ford Ranger$1,126$94
27Honda HR-V$1,138$95
28Ford Edge$1,140$95
29Ford Ecosport$1,150$96
30Chevrolet Trax$1,162$97
31Subaru Outback$1,162$97
32Acura ILX$1,164$97
33GMC Terrain$1,166$97
34Mitsubishi Eclipse Cross$1,168$97
35Nissan Murano$1,174$98
36Hyundai Tucson$1,178$98
37Toyota Tacoma$1,178$98
38Honda Odyssey$1,180$98
39Toyota Venza$1,182$99
40Chevrolet Bolt$1,184$99
41Chevrolet Equinox$1,186$99
42Ford Explorer$1,190$99
43Volkswagen Taos$1,190$99
44Fiat 500X$1,194$100
45Kia Sorento$1,196$100
46Toyota RAV4$1,196$100
47Kia Soul$1,198$100
48Nissan Frontier$1,206$101
49GMC Canyon$1,214$101
50Hyundai Palisade$1,214$101
51Volkswagen Golf$1,216$101
52Volvo XC40$1,218$102
53Hyundai Santa Cruz$1,220$102
54Mazda MX-30$1,220$102
55Volkswagen Atlas$1,222$102
56Subaru Legacy$1,224$102
57Ford F150$1,226$102
58Jeep Compass$1,228$102
59Kia Niro$1,230$103
60Volkswagen Jetta$1,230$103
61Honda Insight$1,232$103
62Honda Ridgeline$1,232$103
63Toyota 4Runner$1,232$103
64Nissan Sentra$1,234$103
65Nissan Rogue$1,242$104
66Cadillac XT5$1,244$104
67Mercedes-Benz A220$1,244$104
68Kia K5$1,246$104
69Toyota Camry$1,246$104
70Ford Escape$1,248$104
71Jeep Gladiator$1,248$104
72Toyota Corolla$1,248$104
73Kia Rio$1,250$104
74Volkswagen Passat$1,250$104
75Honda Civic$1,254$105

    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 March 24, 2022
    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 2022 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 March 24, 2022
    North Dakota Car Insurance Rates for Popular Vehicles
    North Dakota Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,016$85
    Honda CR-V$1,108$92
    Ford Explorer$1,190$99
    Toyota RAV4$1,196$100
    Ford F150$1,226$102
    Nissan Rogue$1,242$104
    Toyota Camry$1,246$104
    Ford Mustang$1,336$111
    Chevrolet Silverado$1,364$114
    Ram Truck$1,446$121

    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 $10 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 $1,516 or more per year.
    • Negligent driving raises car insurance rates. Multiple at-fault accidents raise rates, potentially up to $1,766 per year for a 20-year-old driver and even as much as $380 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 $232 per year for a 40-year-old driver and $452 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 $970 per year for a 20-year-old driver.
    • Clean up your credit to lower your rates. Having excellent credit of 800+ may save $199 per year compared to a good rating of 670-739. Conversely, a lesser credit score could cost around $231 more per year.
    • Car insurance rates for teenagers are high. Average rates for full coverage car insurance costs $4,536 per year for a 16-year-old driver, $4,234 per year for a 17-year-old driver, $3,956 per year for a 18-year-old driver, and $3,578 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.