North Dakota Car Insurance Cost for 2021

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 $1,168 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.

  1. Ford F-150 pickup – $1,114 per year ($93 per month)
  2. Honda CR-V compact SUV – $878 per year ($73 per month)
  3. Toyota Camry midsize car – $1,164 per year ($97 per month)
  4. Toyota RAV4 compact SUV – $1,124 per year ($94 per month)
  5. 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.

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Chart Data Details: Chart shows average North Dakota car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all North Dakota zip codes.
Average Car Insurance Cost in North Dakota
Average Car Insurance Cost in North Dakota
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,968$164
$500$2,320$193
$250$2,690$224
30$1,000$1,028$86
$500$1,226$102
$250$1,432$119
40$1,000$986$82
$500$1,168$97
$250$1,356$113
50$1,000$900$75
$500$1,062$89
$250$1,232$103
60$1,000$884$74
$500$1,044$87
$250$1,210$101

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.

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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$1,002-$166
Ohio$1,024-$144
Illinois$1,078-$90
Indiana$1,102-$66
Wisconsin$1,104-$64
North Dakota$1,168--
Nebraska$1,200$32
South Dakota$1,254$86
Kansas$1,318$150
Missouri$1,332$164
Minnesota$1,346$178
Michigan$2,720$1,552

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 2021 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.
North Dakota Car Insurance Rates by Vehicle Segment
North Dakota Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,052$88
Large Van$1,060$88
Midsize Truck$1,060$88
Midsize Minivan$1,084$90
Midsize SUV$1,132$94
Midsize Van$1,144$95
Small Car$1,172$98
Large Truck$1,182$99
Midsize Car$1,194$100
Large SUV$1,206$101
Small Luxury SUV$1,226$102
Large Car$1,264$105
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
Sports Car$1,704$142
Large Luxury Car$1,800$150
Exotic Car$2,396$200

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.

Top 75 Cheapest Car Insurance Rates in North Dakota
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$866$72
2Honda CR-V$878$73
3Ram Promaster City$910$76
4Mazda CX-3$916$76
5Kia Sportage$924$77
6Toyota C-HR$924$77
7Ford Edge$926$77
8Volkswagen Golf$932$78
9Mazda CX-5$942$79
10Subaru Crosstrek$950$79
11Chevrolet Spark$960$80
12Volvo XC40$962$80
13Hyundai Venue$970$81
14Volkswagen Atlas$976$81
15Hyundai Kona$978$82
16Subaru Impreza$980$82
17Toyota Tacoma$982$82
18Kia Soul$984$82
19Kia Telluride$984$82
20Chevrolet Blazer$988$82
21Subaru Outback$988$82
22Chevrolet Colorado$990$83
23Jeep Compass$990$83
24Kia Rio5$990$83
25Kia Sedona$990$83
26Mazda CX-30$990$83
27Honda Passport$994$83
28Nissan Kicks$994$83
29Ford Escape$996$83
30Hyundai Tucson$996$83
31Mitsubishi Eclipse Cross$996$83
32Subaru Ascent$996$83
33Volkswagen Tiguan$1,004$84
34Acura RDX$1,008$84
35Honda Pilot$1,008$84
36Nissan Frontier$1,008$84
37Ford Ecosport$1,012$84
38Toyota Corolla$1,012$84
39Buick Envision$1,020$85
40Kia Seltos$1,024$85
41Nissan Rogue Sport$1,028$86
42Chevrolet Trax$1,036$86
43Chevrolet Trailblazer$1,038$87
44Cadillac XT4$1,040$87
45Buick Encore$1,044$87
46Chevrolet Express$1,046$87
47Nissan Rogue$1,048$87
48Jeep Renegade$1,052$88
49Chevrolet Equinox$1,054$88
50Nissan Murano$1,054$88
51Nissan NV$1,054$88
52Ford Transit Connect$1,064$89
53Chrysler Pacifica$1,066$89
54Fiat 500X$1,068$89
55Mazda MX-5 Miata$1,068$89
56GMC Savana$1,074$90
57Hyundai Palisade$1,076$90
58Ford Ranger$1,082$90
59GMC Terrain$1,082$90
60Mazda 6$1,082$90
61Acura ILX$1,088$91
62Honda Insight$1,090$91
63Jeep Gladiator$1,090$91
64Honda Civic$1,094$91
65Subaru Legacy$1,096$91
66Volvo V60$1,100$92
67Acura MDX$1,102$92
68Cadillac XT5$1,102$92
69Honda HR-V$1,102$92
70Kia Rio$1,108$92
71Ford F150$1,114$93
72Lexus NX 300$1,114$93
73Toyota 4Runner$1,114$93
74Volvo XC60$1,114$93
75Mazda 3$1,116$93

    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.
    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 2021 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.
    North Dakota Car Insurance Rates for Popular Vehicles
    North Dakota Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$878$73
    Subaru Crosstrek$950$79
    Nissan Rogue$1,048$87
    Ford F150$1,114$93
    Toyota RAV4$1,124$94
    Ford Explorer$1,154$96
    Toyota Camry$1,164$97
    Chevrolet Silverado$1,216$101
    Ram Truck$1,268$106
    Ford Mustang$1,306$109

    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.