Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in North Dakota Average car insurance cost in North Dakota In North Dakota, a full-coverage car insurance policy will cost you an average of $2,079 annually or $173 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 11, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in North Dakota, you can expect to pay an average of around $173 per month for full coverage car insurance, or $2,079 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $30 monthly or $354 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,079 Average per month cost $173 Average cost for state minimum coverage $377 / Year Cheapest car insurance company American Family$1,238 / Year Average cost for young drivers $3,273 / Year Average cost for Senior drivers $1,873 / Year 012345 1 of 6 Average car insurance cost in North Dakota If you live in North Dakota can expect to pay an average of $173 per month for full coverage car insurance – that’s $2,079 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $30 monthly or $354 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in North DakotaAmerican Family has the cheapest rates, at an average annual cost of $1,238 or $103 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also stands out for its affordable premiums, with an average cost of $104 per month or $1,250 annually.While these insurance companies have some of the lowest average rates in North Dakota, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in North Dakota Graph Table Company nameAverage per month costAverage annual costAmerican Family$103$1,238Nationwide$104$1,250GEICO$161$1,933Progressive$170$2,046Auto-Owners$204$2,446North Star Mutual$215$2,583Nodak Insurance$218$2,614State Farm$225$2,704Allstate$240$2,884USAA*$91$1,088*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: North Dakota car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra North Dakota Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State North Dakota Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$537/year Liability coverage$619/year Full Coverage$2,305/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in North DakotaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $30 per month, or $354 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In North Dakota, the average cost for full coverage is $173 per month, or $2,079 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$354Liability only$377Full coverage$2,079Non-owner state minimum liability$200Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in North Dakota by cityCar insurance rates can vary widely depending on where you live, even within North Dakota.Cities like Mandan, Bismarck, or Williston tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like West Fargo or Fargo, with average annual premiums between $1,706 and $1,707.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costWest Fargo$1,706Fargo$1,707Grand Forks$1,760Jamestown$1,864Wahpeton$1,916Minot$1,961Dickinson$1,992Williston$2,007Bismarck$2,017Mandan$2,060Powered by:Average car insurance cost in North Dakota by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in North Dakota, based on age and gender.Average car insurance cost in North Dakota for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in North Dakota pays an average of $4,418 annually for car insurance, compared to $3,760 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,600 per year for male drivers and $2,351 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,418$3,76021$3,725$3,12222$3,495$2,99123$3,019$2,71924$2,873$2,608Powered by:Average car insurance cost in North Dakota for adult driversAn adult driver aged 25-60 in North Dakota pays $2,080 annually for full coverage, or around $173 each month. Women in the same age group pay $2,006 per year or $167 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,600$2,35130$2,246$2,15935$2,191$2,10340$2,105$2,05345$2,014$1,96750$1,888$1,85255$1,833$1,79760$1,793$1,767Powered by:Average car insurance cost in North Dakota for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,789 annually, while women pay $1,772.By 70, average rates go up to $1,851 for men and $1,808 for women. At age 75, costs increase further, reaching $2,044 for men and $1,972 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,789$1,77270$1,851$1,80875$2,044$1,972Powered by:Minimum car insurance requirements in North DakotaWhether you’re purchasing a policy for the first time or relocating to North Dakota, it’s important to understand the state’s liability coverage requirements.Drivers in North Dakota must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in North DakotaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Hyundai Kona Electric tops the list for cheapest car to insure in North Dakota at an average cost of $1,598 a year, followed closely by Hyundai Venue at $1,639 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHyundai Kona Electric$1,598Hyundai Venue$1,639Honda HR-V$1,642Toyota Corolla Cross$1,648Honda CR-V$1,666Mini Cooper Electric$1,673Chrysler Voyager$1,674Chevrolet Trax$1,691Chevrolet TrailBlazer$1,695Volkswagen Taos$1,739Powered by:Most expensive cars to insure in North DakotaMaserati Quattroporte stands out as the most expensive car to insure in North Dakota, with an average annual cost of $8,309.The table below shows the most expensive vehicles to insure in North Dakota along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$8,309Maserati Ghibli$7,220BMW M8 Gran Coupe$6,181Audi RS7$5,949Audi S8$5,789BMW M8$5,725Nissan GT-R$5,686Mercedes-Benz S-Class$5,654Audi RS6$5,592Porsche 911 Turbo$5,521Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in North DakotaCheapest car insurance companies in North DakotaAverage cost of car insurance by coverage levels in North DakotaAverage car insurance cost in North Dakota by cityAverage car insurance cost in North Dakota by ageMinimum car insurance requirements in North DakotaCheapest cars to insure in North DakotaMost expensive cars to insure in North DakotaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330