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If you’re a driver in the North Dakota, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our North Dakota car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in North Dakota, based on your vehicle make and model, helping you make informed decisions. 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 2023 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.

How much is vehicle model important in calculating car insurance in North Dakota

Car insurance rates in North Dakota can be significantly influenced by the make and model of your vehicle. Insurers take into account a range of factors, including the specific make and model of your car, when calculating premiums.

Let’s take a look at the costs. If you have a 2022 Acura ILX 2.4L, you might pay $1,417 each year for full coverage. On the other hand, if you have a Toyota 4Runner Limited in North Dakota, the yearly insurance might be $1,557. So, it’s $140 more compared to the Acura ILX 2.4L.

How insurers calculate car insurance in North Dakota using car model year

In North Dakota and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,323 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $1,478.

Does the cost of car insurance in North Dakota decrease as a vehicle gets older?

Usually, in North Dakota, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in North Dakota.

People driving a 2020 Honda Accord LX in North Dakota usually pay $111 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $116 each month in North Dakota, which is $5 more than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

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

Car insurance rates in North Dakota by city

Car insurance cost estimate in North Dakota

The average premium for car insurance in North Dakota is $1,419 per year or $118 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in North Dakota for different coverage levels.

50/100/50 Liability OnlyFull CoverageNon-Owner State Minimum Liability OnlyState Minimum Liability Only
$353 $1,419 $220 $340

The bottom line: North Dakota car insurance calculator

The North Dakota car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.

How much is car insurance in other states

Washington D.C.$1,858/Year
North Carolina$1,368/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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