Average Car Insurance Cost in North Dakota

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If you are looking for auto insurance in North Dakota, knowing how much it will cost is a promising idea. The average premium for car insurance in North Dakota is $1,419 per year or $118 per month. While the national average is $1,682. There is a difference of $263 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in North Dakota, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in North Dakota
Average annual cost $1,419	Average per month cost $118	Average cost for state minimum coverage $340 / Year
Cheapest car insurance company USAA ($775/ Year)	Average cost for young drivers $2,206 / Year	Average cost for Senior drivers $1,261 / Year

Key Takeaways

The average car insurance cost in North Dakota is $1,419 per year, based on Insure.com’s analysis.
In North Dakota, the average premium for car insurance is $118 per month.
USAA has the cheapest car insurance rates in North Dakota, at an average annual rate of $775 a year.

Average car insurance cost in North Dakota per month

In North Dakota, the average premium for car insurance is $118 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in North Dakota, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in North Dakota is USAA.The average annual cost is $775 while the average cost per month is $65. The second-best option available is, Nationwide, offering insurance at an average per month cost of $82.

The table below lists the other available car insurance companies which offer car insurance in North Dakota, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
USAA	$65	$775
Nationwide	$82	$983
American Family	$103	$1,236
Progressive	$105	$1,262
Auto-Owners	$107	$1,288
State Farm	$114	$1,372
Geico	$115	$1,378
Allstate	$155	$1,858
Farmers Insurance	$168	$2,020

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in North Dakota

The amount of coverage you purchase has an impact on how much car insurance costs in North Dakota. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in North Dakota is $353.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in North Dakota is $1,419 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In North Dakota, the average annual cost for non-owner state minimum liability only is $220.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $340 per year in North Dakota.

Coverage limits	Average annual cost
50/100/50 Liability Only	$353
100/300/100 Liability with $500 Comp/Coll Deductible	$1,419
Non-Owner State Minimum Liability Only	$220
State Minimum Liability Only	$340

Average car insurance cost in North Dakota by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in North Dakota:

City	Average annual cost
Fargo	$1,212
Bismarck	$1,324
Grand Forks	$1,209
Minot	$1,349
West Fargo	$1,193
Williston	$1,381
Dickinson	$1,351
Mandan	$1,413
Jamestown	$1,286
Watford City	$1,457

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in North Dakota by city

Average car insurance cost in North Dakota by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in North Dakota is $2,206 while for seniors is $1,261. Here, the rate for young drivers is $945 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in North Dakota for young drivers

The average car insurance cost for female young drivers in North Dakota is $2,051 per year or $171 per monthand rate for a male young driver is $2,362 per year or $197 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
18	$4,929	$4,162
19	$3,393	$2,839
20	$3,052	$2,594
21	$2,490	$2,122
22	$2,231	$1,948
23	$2,073	$1,837
24	$1,962	$1,756
25	$1,778	$1,617

Average car insurance cost in North Dakota for senior drivers

In North Dakota, the cost of car insurance for senior female driver is $1,248 per year or $104 per month and cost of car insurance for male senior driver is $1,274 per year or $106 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,231	$1,216
70	$1,280	$1,257
75	$1,381	$1,339

Minimum car insurance requirements in North Dakota

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the North Dakota Department of Insurance, the following are the required coverages and minimum coverage limits in North Dakota:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Personal property coverage per person: $25,000

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Cheapest cars to insure in North Dakota

The Honda HR-V EX has the lowest average annual insurance premium at $1,195, followed closely by the Hyundai Venue SE at $1,204. The difference in the cost of insuring these two models is $9 annually.

Make	Model	Average annual premium
Honda	HR-V EX	$1,195
Hyundai	Venue SE	$1,204
Ford	Transit Connect Titanium	$1,207
Honda	CR-V EX	$1,212
Jeep	Compass High Altitude	$1,223
GMC	Savana G2500	$1,224
Mini	Cooper SE	$1,234
Toyota	C-HR Limited	$1,235
Chrysler	Voyager LX	$1,237
Kia	Seltos EX	$1,240

Most expensive cars to insure in North Dakota

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,880. However, the difference between the cheapest and most expensive cars to insure is $4,685 annually.

Make	Model	Average annual premium
Maserati	Quattroporte	$5,880
Maserati	Ghibli Modena	$5,020
Maserati	Ghibli GT	$4,859
Maserati	Levante Trofeo	$4,575
Maserati	Ghibli Trofeo	$4,515
BMW	M5	$4,204
BMW	M760i xDrive	$4,097
BMW	M8 Competition XDrive	$3,991
BMW	750xi	$3,966
Porsche	718 Boxster Spyder	$3,961

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits: