Complete Car Insurance Comparison for Dickinson, ND, for 2025

Find out which vehicles and driver ages get the cheapest insurance rates in Dickinson, North Dakota.

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Cheapest car insurance in Dickinson

When all models are compared, the vehicles with the lowest cost average insurance quotes in Dickinson tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision.

Average auto insurance rates for models in the top 10 cost $1,822 or less per year ($152 per month) to get full coverage.

Some additional models that have very good auto insurance quotes in our car insurance cost comparison are the Honda CR-V, Buick Encore, Acura RDX, and Buick Envista. The average insurance cost is a little higher for those models than the cheapest small SUVs and crossovers at the top of the rankings, but they still have an average cost of $1,938 or less per year ($162 per month).

The following table ranks the 50 models with the cheapest car insurance in Dickinson, ordered by annual cost.

Top 50 Cheapest Automobiles to Insure in Dickinson, ND
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,644$137
2Chevrolet Trailblazer$1,672$139
3Kia Soul$1,736$145
4Nissan Kicks$1,754$146
5Honda Passport$1,774$148
6Buick Envision$1,784$149
7Toyota Corolla Cross$1,792$149
8Hyundai Venue$1,806$151
9Mazda CX-5$1,814$151
10Ford Bronco Sport$1,822$152
11Volkswagen Tiguan$1,840$153
12Acura RDX$1,860$155
13Nissan Murano$1,870$156
14Buick Encore$1,892$158
15Subaru Outback$1,894$158
16Honda CR-V$1,898$158
17Buick Envista$1,902$159
18Volkswagen Taos$1,906$159
19Kia Niro$1,916$160
20Toyota GR Corolla$1,932$161
21Honda HR-V$1,938$162
22Subaru Ascent$1,938$162
23Nissan Leaf$1,948$162
24Chevrolet Colorado$1,960$163
25Lexus NX 250$1,968$164
26Honda Civic$1,970$164
27Volkswagen Atlas$1,974$165
28Subaru Forester$1,978$165
29Acura Integra$1,980$165
30Volkswagen Atlas Cross Sport$1,982$165
31Kia Seltos$1,986$166
32GMC Terrain$1,992$166
33Nissan Rogue$1,998$167
34Hyundai Kona$2,002$167
35Mazda CX-30$2,006$167
36Cadillac XT4$2,010$168
37Ford Explorer$2,018$168
38Volkswagen ID4$2,018$168
39Toyota Highlander$2,022$169
40Ford Escape$2,030$169
41Toyota Venza$2,030$169
42Honda Odyssey$2,034$170
43Nissan Sentra$2,040$170
44Subaru Impreza$2,044$170
45Chevrolet Equinox$2,048$171
46Toyota RAV4$2,054$171
47Mazda MX-5 Miata$2,058$172
48Mazda MX-30$2,066$172
49Hyundai Tucson$2,068$172
50Chevrolet Traverse$2,076$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dickinson, ND Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Dickinson, ND with the Subaru Crosstrek ranking first at $1,644 per year
Top 50 cheapest vehicles to insure in Dickinson, ND with the Subaru Crosstrek ranking first at $1,644 per year

Some additional models worth noting ranking in the top 50 table above include the Subaru Impreza, Mazda MX-30, Ford Explorer, and Hyundai Kona. Average auto insurance rates for those vehicles cost between $1,938 and $2,080 per year in Dickinson, ND.

In contrast to the cheapest vehicles to insure, a few examples of much higher insurance rates include the Kia Stinger which averages $2,524 per year, the Audi S3 that costs $2,496, and the BMW X3 that averages $2,624.

What is average car insurance cost in Dickinson?

The average cost of car insurance in Dickinson is $2,224 per year, or about $185 per month for full coverage. It costs 0.1% more to insure the average vehicle in Dickinson, North Dakota, than the U.S. overall average rate of $2,221.

In North Dakota, average auto insurance cost is $2,174 per year, so the average cost in Dickinson is $50 more per year. When prices are compared to other cities in North Dakota, the cost of insurance in Dickinson is around $182 per year more than in West Fargo, $10 per year more expensive than in Minot, and $12 per year less than in Bismarck.

The chart below shows average Dickinson, North Dakota, auto insurance cost for all 2024 models. Rates are averaged for all Dickinson Zip Codes and shown not only by the age of the driver, but also by three different physical damage deductibles.

Average full-coverage car insurance premium in Dickinson, ND for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Dickinson, ND for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Dickinson, ND Zip Codes.

Average Car Insurance Cost in Dickinson, ND
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,788$316
$500$4,476$373
$250$5,206$434
30$1,000$1,992$166
$500$2,374$198
$250$2,774$231
40$1,000$1,870$156
$500$2,224$185
$250$2,594$216
50$1,000$1,668$139
$500$1,972$164
$250$2,290$191
60$1,000$1,562$130
$500$1,848$154
$250$2,146$179

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Dickinson, ND Zip Codes. Updated June 27, 2025

In the chart above, the cost of auto insurance in Dickinson ranges from $1,562 per year for a 60-year-old driver with a high deductible policy to $5,206 per year for a 20-year-old driver with a low deductible. From a monthly point of view, the average cost in the chart above ranges from $130 to $434 per month.

The age of the driver is the one factor that has the largest impact on the cost of car insurance, so the list below details how age impacts cost by breaking down average car insurance rates in Dickinson based on the age of the driver.

Average cost of car insurance in Dickinson, ND, for drivers age 16 to 60

  • 16 year old – $7,926 per year or $661 per month
  • 17 year old – $7,679 per year or $640 per month
  • 18 year old – $6,882 per year or $574 per month
  • 19 year old – $6,269 per year or $522 per month
  • 20 year old – $4,476 per year or $373 per month
  • 30 year old – $2,374 per year or $198 per month
  • 40 year old – $2,224 per year or $185 per month
  • 50 year old – $1,972 per year or $164 per month
  • 60 year old – $1,848 per year or $154 per month

Five ways to save money on car insurance

Most drivers are trying to find ways to pay less for insurance. So take a minute and read through the tips and ideas in the list below and maybe you’ll be able to save some money the next time you need to insure a vehicle.

  • Lower the cost of your policy by increasing deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Reduce coverage on older cars. Dropping comprehensive and collision coverage from older vehicles whose value has decreased will cut the cost of insurance considerably.
  • Research discounts to save money. Discounts may be available if the insureds are senior citizens, choose electronic billing, are military or federal employees, belong to certain professional organizations, or many other discounts which could save the average Dickinson driver as much as $376 per year on their insurance cost.
  • Remain claim free and save. Car insurance companies reduce rates a little for not having any claims. Insurance should be used for significant claims, not minor claims that should be paid out-of-pocket.
  • Your job could save you a few bucks. The large majority of car insurance providers offer discounts for being employed in professions like police officers and law enforcement, scientists, members of the military, doctors, college professors, and others. Having this discount applied to your policy may save between $67 and $216 on your yearly insurance bill, depending on the age of the rated driver.