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 $1,462 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.

  1. Ford F-150 pickup – $1,486 per year ($124 per month)
  2. Honda CR-V compact SUV – $1,236 per year ($103 per month)
  3. Toyota Camry midsize car – $1,388 per year ($116 per month)
  4. Toyota RAV4 compact SUV – $1,352 per year ($113 per month)
  5. 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.

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 December 30, 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$2,464$205
$500$2,908$242
$250$3,378$282
30$1,000$1,292$108
$500$1,540$128
$250$1,800$150
40$1,000$1,232$103
$500$1,462$122
$250$1,700$142
50$1,000$1,126$94
$500$1,330$111
$250$1,546$129
60$1,000$1,104$92
$500$1,306$109
$250$1,518$127

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.

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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$1,180-$282
Ohio$1,230-$232
Wisconsin$1,260-$202
Indiana$1,318-$144
North Dakota$1,462--
Nebraska$1,474$12
Minnesota$1,512$50
Illinois$1,546$84
Kansas$1,738$276
South Dakota$1,812$350
Missouri$1,990$528
Michigan$2,414$952

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 December 30, 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$1,328$111
Midsize Pickup$1,380$115
Midsize SUV$1,426$119
Minivan$1,432$119
Compact Car$1,456$121
Midsize Car$1,490$124
Compact Luxury SUV$1,580$132
Half-ton Pickup$1,586$132
Large SUV$1,600$133
Compact Luxury Car$1,606$134
Heavy Duty Pickup$1,680$140
Midsize Luxury SUV$1,698$142
Large Car$1,700$142
Midsize Luxury Car$1,858$155
Sports Car$1,996$166
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.

Top 75 Cheapest Car Insurance Rates in North Dakota
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,106$92
2Subaru Crosstrek$1,114$93
3Nissan Kicks$1,120$93
4Honda Passport$1,136$95
5Nissan Rogue Sport$1,138$95
6Mazda CX-5$1,148$96
7Buick Encore$1,164$97
8Buick Envision$1,168$97
9Kia Seltos$1,184$99
10Subaru Ascent$1,188$99
11Hyundai Venue$1,192$99
12Subaru Impreza$1,210$101
13Ford Maverick$1,212$101
14Acura RDX$1,216$101
15Chevrolet Colorado$1,216$101
16Honda HR-V$1,216$101
17Hyundai Kona$1,224$102
18Subaru Forester$1,232$103
19Honda CR-V$1,236$103
20Ford Edge$1,238$103
21Ford Explorer$1,244$104
22Mazda CX-30$1,244$104
23Volkswagen Atlas$1,246$104
24Nissan Murano$1,254$105
25Chevrolet Trax$1,256$105
26Subaru Outback$1,256$105
27Nissan Frontier$1,260$105
28Volkswagen Tiguan$1,268$106
29Ford Bronco Sport$1,272$106
30Fiat 500X$1,294$108
31Ford Ranger$1,296$108
32GMC Terrain$1,298$108
33Kia Soul$1,300$108
34Mitsubishi Eclipse Cross$1,302$109
35Volkswagen Atlas Cross Sport$1,304$109
36Lexus RX 350$1,308$109
37Acura Integra$1,312$109
38Chevrolet Equinox$1,314$110
39Cadillac XT4$1,318$110
40Toyota Corolla Cross$1,318$110
41Volkswagen Taos$1,324$110
42GMC Canyon$1,326$111
43Toyota Venza$1,330$111
44Mazda CX-50$1,332$111
45Toyota Tacoma$1,332$111
46Honda Odyssey$1,334$111
47Hyundai Tucson$1,336$111
48Volkswagen Jetta$1,336$111
49Kia Sorento$1,338$112
50Ford Escape$1,340$112
51Nissan Rogue$1,344$112
52Subaru Legacy$1,344$112
53Volvo XC40$1,344$112
54Mazda MX-5 Miata$1,348$112
55Infiniti QX50$1,352$113
56Mazda MX-30$1,352$113
57Toyota RAV4$1,352$113
58Hyundai Palisade$1,354$113
59Hyundai Santa Cruz$1,356$113
60Kia Niro$1,356$113
61Nissan Sentra$1,358$113
62Mini Cooper$1,364$114
63Lexus UX 250h$1,366$114
64Chevrolet Tahoe$1,368$114
65Toyota 4Runner$1,368$114
66Toyota Corolla$1,370$114
67Jeep Compass$1,372$114
68Toyota Prius$1,376$115
69Volkswagen Golf$1,376$115
70Mini Cooper Clubman$1,386$116
71Cadillac XT5$1,388$116
72Toyota Camry$1,388$116
73GMC Acadia$1,394$116
74Chevrolet Traverse$1,396$116
75Mazda 3$1,402$117

    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 December 30, 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 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 December 29, 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$1,114$93
    Honda CR-V$1,236$103
    Ford Explorer$1,244$104
    Nissan Rogue$1,344$112
    Toyota RAV4$1,352$113
    Toyota Camry$1,388$116
    Ford F150$1,486$124
    Ford Mustang$1,584$132
    Ram Truck$1,596$133
    Chevrolet Silverado$1,600$133

    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.