Car insurance calculator for teens in North Dakota

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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

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Gender

Male

Male Female Non-binary

Age

16

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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

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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.

Average teen car insurance costs in North Dakota, by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In North Dakota, a 16-year-old male pays about $7,781 per year, compared to $6,310 for a female of the same age – a difference of $1,471.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in North Dakota.

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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 coverage requirements for teens in North Dakota

In North Dakota, teen drivers must meet the same minimum liability requirements as adults:

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

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking 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

 

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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.

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