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 Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur 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. | Updated on: February 23, 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 A full coverage car insurance policy costs around $2,079 a year or $173 per month for North Dakota drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $354 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. 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 Drivers in North Dakota generally pay an average of $173 per month or $2,079 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $30 or $354 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in North DakotaAmerican Family provides the lowest full coverage rates, for an average cost of $1,238 per year or $103 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Nationwide also offers affordable insurance coverage to North Dakota drivers at an average cost of $1,250 a year or $104 per month.Although these insurers offer some of the most affordable average rates in North Dakota, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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. Vehicle year Vehicle year20242023202220212020201920182017201620152014 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S Vehicle already present. 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 MinimumNA* Liability coverage$518/year Full Coverage$2,185/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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered 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 cityWhere you live in North Dakota can have a big impact on your car insurance rates.If you’re located in cities like Mandan, Bismarck, or Williston, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like West Fargo and Fargo tend to pay much lower insurance premiums, between $1,706 and $1,707 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 buying your first insurance policy or just moved to North Dakota, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in North Dakota must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in North DakotaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Hyundai Kona Electric is one of the cheapest cars to insure in North Dakota, with an average premium of $1,598 per year. Hyundai Venue has an average annual cost of $1,639.The table below shows the cars with the lowest average insurance rates.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. You might find interesting Explore related topics Car insurance calculator for teens in North DakotaCheapest SR-22 insurance in North DakotaDo you need insurance to register a car in North Dakota?How much is gap insurance in North DakotaLow-cost car insurance in North DakotaNon-owner auto insurance in North Dakota: Which company has the cheapest rates?North Dakota car insurance calculatorNorth Dakota car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in North DakotaBest and cheapest companies for home and auto bundles in North DakotaSee more Explore other insurance options in North Dakota The best and cheapest car insurance in North Dakota Average renters insurance cost in North Dakota Average homeowners insurance cost in North Dakota In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much does used car insurance cost? 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