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 A full-coverage car insurance policy in North Dakota costs an average of $2,439 a year or $203 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.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 onAugust 5, 2026 Why you can trust Insure.com Quality Verified 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. Drivers in North Dakota pay $203 per month for full coverage car insurance, or $2,439 per year. Carrying only your state’s minimum required liability coverage brings the average down to $47 per month or $564 per year. These are statewide averages, so your own rate may land higher or lower.What you’ll actually pay depends on where you live, your age, driving record, credit score and the type of car you drive. Insurers also weigh state-specific risks like accident frequency, repair and medical costs, theft rates and weather, which is why drivers in busy urban areas typically pay more than those in rural ones. Some of these factors are within your control. You can lower your rate by maintaining a clean driving record, improving your credit score, bundling policies or comparing quotes from multiple insurers. Average annual cost $2,439 Average per month cost $203 Average cost for state minimum coverage $608 / Year Cheapest car insurance company GEICO$1,978 / Year Average cost for young drivers $3,900 / Year Average cost for Senior drivers $2,327 / Year 012345 1 of 6 How much does car insurance cost in North Dakota?Drivers in North Dakota pay an average of $203 per month ($2,439/year) for full coverage, or $47 per month ($564/year) for state minimum coverage.The chart below shows average car insurance rates in North Dakota across different coverage levels. These are statewide averages, so your own rate may land higher or lower.Liability onlyFull coverageNon-owner state minimum liabilityState minimum liability-only$608$2,439$353$564Powered by:What does each coverage type include?State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.Non owners: Designed for those who don’t own a vehicle but occasionally borrow one and want liability coverage.See what you’d actually payAverages only get you so far. To see what you should actually expect to pay, use the calculator below to get an estimate in four steps:Enter your vehicle’s yearSelect your stateChoose your vehicle’s makeChoose your vehicle’s modelYou’ll get instant estimates for state minimum, liability only, and full coverage. 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:How to lower your rate in North Dakota:Compare quotes from at least 3 insurers, since the first quote is rarely the best dealBundle home and auto policies to often qualify for a discountAsk about available discounts and how you can qualify for themMaintain a clean driving record, since fewer violations signal lower risk to insurers, which keeps your rate downAvoid filing small claims, since paying minor costs out of pocket can help keep your rate from rising How much car insurance coverage do you need in North Dakota?Drivers in North Dakota must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.Minimum liability breaks down into two parts:Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.Property damage liability pays to repair or replace others’ property, like their car or a fence.Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it. CoverageMinimum requiredBodily injury liability (per person)$25,000Bodily injury liability (per accident)$50,000Property damage liability$25,000 Powered by: Who has the cheapest car insurance in North Dakota?Drivers in North Dakota tend to find the best rates with GEICO, which averages $1,978 a year, or $165 a month, for full coverage with 100/300/100 limits and $500 collision and comprehensive deductibles.Progressive follows closely with affordable premiums of its own, averaging $183 a month, or $2,190 a year.While both insurers rank among the cheapest in North Dakota, your actual rate depends on your own profile – it’s worth comparing quotes before you decide. Affordable car insurance providers in North Dakota Graph Table Company GroupAvg. Annual PremiumAvg. Monthly PremiumGEICO$1,978$165Progressive$2,190$183Auto-Owners$2,315$193Nodak Insurance$2,394$199State Farm$2,514$210North Star Mutual$2,610$217American Family$2,614$218Allstate$2,892$241Powered by: Powered 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 How much does car insurance cost by city in North Dakota?Where you live in North Dakota makes a real difference in what you pay. Drivers in West Fargo and Fargo see rates between $1,991 and $2,029 a year, while Mandan, Williston, and Bismarck run considerably higher.Location shapes your rate because insurers assess risk differently city by city. Places with heavier traffic, more accidents, or higher theft and vandalism cost more to insure, while less densely populated areas with fewer claims typically cost less.CityAverage annual costWest Fargo$1,991Fargo$2,029Grand Forks$2,100Jamestown$2,172Wahpeton$2,240Minot$2,304Dickinson$2,309Bismarck$2,380Williston$2,399Mandan$2,564Powered by:How does age affect car insurance rates in North Dakota?Age is one of the biggest factors insurers use to determine how much you pay for coverage. Generally, premiums are highest for teen drivers, drop after age 25, stay relatively stable through adulthood, then rise again once drivers reach their early 70s. That’s because insurers view both very young and older drivers as higher risk – younger drivers due to limited experience, and older drivers due to slower reaction times and changes in vision.Here’s a closer look at what you might pay in North Dakota based on your age and gender.Car insurance rates for young drivers in North DakotaIf you’re a young driver, you can expect to pay above-average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in North Dakota pay an average of $5,198 per year for car insurance, while females of the same age pay $4,543.But by the time you turn 25, insurance premiums drop to $2,934 a year on average for male drivers and $2,748 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,198$4,54321$4,444$3,81622$4,137$3,62823$3,546$3,25224$3,343$3,086Powered by:Car insurance rates for adults in North DakotaOn average, an adult male driver in North Dakota pays $2,431 a year for full coverage or $203 per month. Women pay $2,364 a year or $197 per month for the same coverage. Compared to teens who are just starting out and seniors who may have slower reaction times, adults are seen as less risky to insure, which is why their rates are typically lower.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,934$2,74830$2,586$2,52335$2,532$2,45240$2,461$2,41745$2,371$2,32450$2,232$2,19055$2,180$2,14060$2,157$2,122Powered by:Car insurance rates for senior drivers in North DakotaIf you’re a senior driver, your car insurance costs go up as you age, as insurers see older drivers as higher risk due to factors like slower reaction times and vision changes, which can increase the chance of an accident.At age 65, men pay about $2,189 per year, while women pay $2,155. But by age 70, average annual premiums rise to $2,296 for men and $2,246 for women. At 75, rates increase even further – $2,585 for male drivers and $2,494 for female drivers.Despite rates going up for seniors, you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,189$2,15570$2,296$2,24675$2,585$2,494Powered by:Which cars are the cheapest and most expensive to insure in North Dakota?In North Dakota, Jeep Wrangler is the cheapest car to insure at $1,710 a year, while BMW M8 Gran Coupe is the most expensive at $6,375 a year. The type of car you drive has a big impact on your premium – vehicles with strong safety ratings, affordable repair costs and fewer claims cost less to insure, while cars that are pricier to repair, more frequently stolen, or more often involved in accidents cost more.Cheapest cars to insure in North DakotaJeep Wrangler has the lowest average premium in North Dakota at $1,710 a year, closely followed by Buick Envista at $1,826 a year. Here are the cheapest cars to insure and their average annual rates:Make ModelAvg. Annual PremiumJeep Wrangler$1,710Buick Envista$1,826Volkswagen Tiguan$1,858Chevrolet Trax$1,864Honda CR-V$1,872Jeep Compass$1,884Hyundai Kona$1,885Kia Seltos$1,892Toyota Corolla Cross$1,894Honda HR-V$1,896Powered by:Most expensive cars to insure in North DakotaBMW M8 Gran Coupe is the most expensive car to insure in North Dakota, averaging $6,375 a year. Here are the most expensive vehicles to insure and their average annual premiums:Make ModelAvg. Annual PremiumBMW M8 Gran Coupe$6,375BMW M5 Touring$6,039BMW M5$6,009Audi RS7$5,997BMW M8$5,983Audi S8$5,956Audi RS6$5,796Audi e-tron GT$5,536Porsche 911 Turbo$5,491BMW i7$5,459Powered by:MethodologyTo determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.State minimum: the lowest coverage your state legally allows.Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.Additionally, we collected average rates for drivers across four age groups:Teen drivers (16-19)Young drivers (20-24)Adult drivers (25-26)Senior drivers (65-75)To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.65.7MQuotes reviewed195No. of carriers analyzed34.5KZIP codes analyzed How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does car insurance cost in North Dakota?How much car insurance coverage do you need in North Dakota?Who has the cheapest car insurance in North Dakota?How much does car insurance cost by city in North Dakota?How does age affect car insurance rates in North Dakota?Which cars are the cheapest and most expensive to insure in North Dakota?Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453