Home Car insurance Car insurance calculator North Dakota car insurance calculator North Dakota car insurance calculator 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 an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 13, 2025 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. If you drive in North Dakota, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the North Dakota car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in North Dakota, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in North DakotaOur calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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 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? 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:Does your vehicle model affect car insurance rates in North Dakota?Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.For example, insuring a Honda Accord LX around $2,045 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $1,666, a difference of $379.Does your car’s model year affect insurance rates in North Dakota?In North Dakota, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $3,120, compared to $1,946 for the 2024 model. Quick tip: Know your state’s minimum insurance requirements before you buyCar insurance requirements vary by state. In North Dakota, you must have at least the minimum liability coverage to drive legally. This typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in North Dakota can result in fines, license suspension or vehicle impoundment. 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 your car’s trim affects insurance rates in North DakotaYour car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.For example, a 2023 Honda Accord LX costs $3,120 per year to insure in North Dakota, whereas the EX-L trim costs $2,640, a difference of $480 annually.Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding. You might find interesting Explore related topics Average car insurance cost in North DakotaCar 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: Rates, state minimum requirements and best companiesThe best, cheapest car insurance in North DakotaBest and cheapest companies for home and auto bundles in North DakotaSee more Average car insurance costs in North DakotaThe average annual premium for a full coverage car insurance policy in North Dakota is $2,079 or $173 per month. However, your actual premium may differ depending on your chosen coverage level.Below are estimated costs for various coverage levels in North Dakota, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,079$173Liability Only – 50/100/50 BI/PD$377$31State Minimum BI/PD$354$30Non-Owners$200$17Powered by:Car insurance costs in North Dakota by cityCar insurance rates in North Dakota vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Selfridge pay $2,336 annually for full coverage, while those in West Fargo pay closer to $1,706 per year.Top 20 cities with cheapest car insurance rates in North DakotaCityAvg. Annual PremiumAvg. Monthly PremiumWest Fargo$1,706$142Fargo$1,707$142Grand Forks$1,760$147Horace$1,804$150Grand Forks AFB$1,807$151Emerado$1,819$152Harwood$1,822$152Argusville$1,833$153Mekinock$1,836$153Mapleton$1,858$155Jamestown$1,864$155Casselton$1,866$156Davenport$1,874$156Hunter$1,877$156Arthur$1,878$156Thompson$1,887$157Gardner$1,891$158Manvel$1,891$158Amenia$1,893$158Kindred$1,896$158Powered by:Top 20 cities with most expensive car insurance in rates North DakotaCityAvg. Annual PremiumAvg. Monthly PremiumSelfridge$2,336$195Fort Yates$2,326$194Cannon Ball$2,304$192Carson$2,299$192Sherwood$2,296$191Shields$2,292$191Elgin$2,289$191Solen$2,284$190Mohall$2,282$190Mott$2,279$190New Leipzig$2,278$190Reeder$2,277$190Raleigh$2,273$189Kenmare$2,270$189Almont$2,264$189Carpio$2,263$189Regent$2,261$188Hettinger$2,257$188Ryder$2,256$188Makoti$2,254$188Powered by:Want to know what you’ll pay? Use our North Dakota car insurance calculatorOur car insurance calculator for North Dakota factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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. In case you missed it The most expensive and cheapest cars to insure in 2025 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 2025? 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 a lot 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 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in North DakotaDoes your vehicle model affect car insurance rates in North Dakota?Does your car's model year affect insurance rates in North Dakota?How your car's trim affects insurance rates in North DakotaAverage car insurance costs in North DakotaCar insurance costs in North Dakota by cityWant to know what you'll pay? Use our North Dakota car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330