Car insurance calculator for teens in North Dakota

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.

Car insurance for teens in North Dakota is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in North Dakota. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

North Dakota

AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington, D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$8,570 Average rate

$18,948 Highest
rate

$3,620 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$18,948
Farmers	$13,359
GEICO	$11,909

Least expensive companies for auto insurance in ()

Company	Average annual rate
American Family	$3,620
Nationwide	$4,067
North Star Mutual	$4,781

Average teen car insurance costs in North Dakota

On average, insuring a teen driver in North Dakota costs $5,476 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in North Dakota can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance costs in North Dakota, by age

Premiums drop as teens gain experience. For example, a 16-year-old in North Dakota with full coverage pays an average of $7,032 per year. By 19, the average rate is $3,883.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs in North Dakota by age.

Teen car insurance in North Dakota, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In North Dakota, a 16-year-old male driver pays about $7,781 annually, while a female of the same age pays $6,310 – a difference of $1,471.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in North Dakota by gender.

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

Cheapest car insurance companies for teen drivers in North Dakota

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In North Dakota, American Family offers the lowest rates for drivers ages 16-19, averaging $2,701 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in North Dakota is Nationwide, with an average annual premium of $3,357.

The table below highlights the cheapest car insurance companies for teens in North Dakota.

Minimum car insurance requirements for teens in North Dakota

Like adults, teen drivers in North Dakota must carry at least the state’s minimum liability coverage:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Ways to save on teen car insurance in North Dakota

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit your policy annually.

Giving your teen a safe start on the road

Adding a teen driver to your policy will raise costs at first, but rates typically decline as they gain experience.

You can keep expenses under control by comparing quotes, bundling policies, and taking advantage of discounts. More importantly, the right coverage helps your teen build confidence and keeps your family financially protected as they start driving.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing 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

• Average car insurance cost in North Dakota
• Cheapest SR-22 insurance in North Dakota
• Do you need insurance to register a car in North Dakota?
• How much is gap insurance in North Dakota
• Low-cost car insurance in North Dakota
• Non-owner auto insurance in North Dakota: Which company has the cheapest rates?
• North Dakota car insurance calculator
• North Dakota car insurance: Rates, state minimum requirements and best companies
• The best, cheapest car insurance in North Dakota
• Best and cheapest companies for home and auto bundles in North Dakota

See more