- North Dakota car insurance cost averages $1,462 per year for a full-coverage policy, or around $122 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 $1,486 per year, Toyota RAV4 at $1,352 per year, and Nissan Rogue at $1,344 per year.
What is average car insurance cost in North Dakota?
Average car insurance cost in North Dakota is $1,462 per year, which could save drivers 13.2% over the national average rate of $1,685. Car insurance cost per month in North Dakota averages $122 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 – $1,486 per year ($124 per month)
- Honda CR-V compact SUV – $1,236 per year ($103 per month)
- Toyota Camry midsize car – $1,388 per year ($116 per month)
- Toyota RAV4 compact SUV – $1,352 per year ($113 per month)
- Toyota Corolla compact car – $1,370 per year ($114 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 $1,104 per year for a 60-year-old driver with $1,000 deductibles to $3,378 per year for a 20-year-old driver with $250 deductibles. From a monthly standpoint, the average monthly cost ranges from $92 to $282.
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 $3,680 per year for a 19-year-old female driver up to $5,234 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 9.8% less than Montana, 19.3% less than South Dakota, and 3.3% less than Minnesota.
When compared to other states in the Midwest, average car insurance quotes in North Dakota are 23.9% more than Iowa, 16% more than Wisconsin, 39.4% 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 30.4% cheaper than Louisiana, 33.4% cheaper than Florida, 30.7% cheaper than Nevada, 31.5% cheaper than California, and 22.7% 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.
|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|
|Compact Luxury SUV||$1,580||$132|
|Compact Luxury Car||$1,606||$134|
|Heavy Duty Pickup||$1,680||$140|
|Midsize Luxury SUV||$1,698||$142|
|Midsize Luxury Car||$1,858||$155|
|Large Luxury SUV||$2,146||$179|
|Large Luxury Car||$2,254||$188|
What is the cheapest car insurance in North Dakota?
The cheapest car insurance (2-door and 4-door sedans) in North Dakota is $1,210 per year for the Subaru Impreza. The cheapest overall rate (all vehicle segments) is on the Chevrolet Trailblazer at $1,106 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 $1,106, $1,114, $1,164, and $1,168 per year, respectively.
The table below ranks the top 75 cheapest vehicles to insure in North Dakota for the 2023 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 $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 $1,756 or more per year.
- Negligent driving raises car insurance rates. Multiple at-fault accidents raise rates, potentially up to $2,044 per year for a 20-year-old driver and even as much as $444 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 $276 per year for a 40-year-old driver and $538 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 $288 per year for a 40-year-old driver and $1,168 per year for a 20-year-old driver.
- Clean up your credit to lower your rates. Having excellent credit of 800+ may save $230 per year compared to a good rating of 670-739. Conversely, a lesser credit score could cost around $266 more per year.
- Car insurance rates for teenagers are high. Average rates for full coverage car insurance costs $5,234 per year for a 16-year-old driver, $4,896 per year for a 17-year-old driver, $4,572 per year for an 18-year-old driver, and $4,140 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 - $1,374 per year or $115 per month
- Bismarck Car Insurance - $1,520 per year or $127 per month
- Grand Forks Car Insurance - $1,354 per year or $113 per month
- Minot Car Insurance - $1,500 per year or $125 per month
- West Fargo Car Insurance - $1,326 per year or $111 per month
- Mandan Car Insurance - $1,546 per year or $129 per month
- Dickinson Car Insurance - $1,510 per year or $126 per month