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Average cost of car insurance in North Dakota for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in North Dakota?
The average car insurance cost in North Dakota is lower than the national average. The national annual average cost of car insurance is $2,458 for full coverage, while North Dakota drivers pay an average of $1,884. Additionally, the national average for minimum coverage is $678 annually, while the same coverage averages just $405 per year in North Dakota. Several factors, including age, gender, ZIP code, driving record, vehicle, coverage choices and driving record will determine how much each driver pays for car insurance in North Dakota.
Key takeaways
- North Dakota car insurance rates average $1,884 per year for full coverage and $405 per year for minimum coverage.
- The average cost of full coverage car insurance in North Dakota cost about 23 percent less than the national average.
- 18-year-old North Dakota drivers pay an average of 40 percent less by being listed on their parents’ policy versus being on their own policy.
- Having poor credit can increase North Dakota car insurance rates by an average of 125 percent more than good credit.
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North Dakota car insurance rates by city
Average car insurance rates in North Dakota can vary significantly between cities and sometimes even within cities. We compared some of the state’s top cities (based on population size) with average auto insurance rates. These rates were then compared against the state average car insurance rate.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Fargo | $134 | $1,605 | -16% |
| Grand Forks Afb | $139 | $1,668 | -12% |
| Caledonia | $155 | $1,854 | -2% |
| Dahlen | $159 | $1,910 | +1% |
| Fairdale | $160 | $1,918 | +2% |
| Larimore | $157 | $1,889 | +0% |
| Egeland | $159 | $1,912 | +1% |
| Stirum | $153 | $1,841 | -2% |
| Valley City | $152 | $1,823 | -3% |
| Adams | $154 | $1,848 | -2% |
| Crystal | $158 | $1,892 | +0% |
| Drayton | $159 | $1,904 | +1% |
| Hannah | $159 | $1,908 | +1% |
| Hatton | $156 | $1,875 | -0% |
| Minto | $160 | $1,920 | +2% |
| Crary | $161 | $1,933 | +3% |
| Minnewaukan | $164 | $1,964 | +4% |
| Sheyenne | $160 | $1,917 | +2% |
| Wolford | $167 | $1,999 | +6% |
| Jamestown | $145 | $1,738 | -8% |
| Ashley | $163 | $1,956 | +4% |
| Carrington | $161 | $1,930 | +2% |
| Denhoff | $165 | $1,985 | +5% |
| Jud | $158 | $1,898 | +1% |
| Mcclusky | $166 | $1,987 | +5% |
| Spiritwood | $154 | $1,852 | -2% |
| Sutton | $156 | $1,875 | -0% |
| Bismarck | $152 | $1,827 | -3% |
| Arvilla | $150 | $1,805 | -4% |
| Edinburg | $159 | $1,904 | +1% |
| Gilby | $155 | $1,858 | -1% |
| Agate | $162 | $1,944 | +3% |
| Balta | $164 | $1,964 | +4% |
| Dunseith | $165 | $1,978 | +5% |
| Casselton | $145 | $1,735 | -8% |
| Harwood | $145 | $1,745 | -8% |
| Hope | $155 | $1,865 | -1% |
| Wahpeton | $150 | $1,797 | -5% |
| Wyndmere | $153 | $1,839 | -2% |
| Aneta | $159 | $1,904 | +1% |
| Finley | $154 | $1,851 | -2% |
| Mountain | $158 | $1,895 | +1% |
| Sharon | $153 | $1,836 | -3% |
| Thompson | $151 | $1,808 | -4% |
| Wales | $160 | $1,918 | +2% |
| Walhalla | $163 | $1,950 | +3% |
| Amenia | $148 | $1,779 | -6% |
| Arthur | $148 | $1,775 | -6% |
| Fairmount | $152 | $1,820 | -3% |
| Gardner | $148 | $1,782 | -6% |
| Cannon Ball | $175 | $2,105 | +11% |
| Washburn | $165 | $1,986 | +5% |
| Grassy Butte | $167 | $2,008 | +6% |
| Hebron | $170 | $2,045 | +8% |
| South Heart | $163 | $1,958 | +4% |
| Berthold | $174 | $2,088 | +10% |
| Drake | $168 | $2,015 | +7% |
| Abercrombie | $150 | $1,801 | -4% |
| Luverne | $155 | $1,857 | -1% |
| Rutland | $150 | $1,795 | -5% |
| Kenmare | $177 | $2,124 | +12% |
| Coleharbor | $166 | $1,995 | +6% |
| Bowman | $168 | $2,016 | +7% |
| Halliday | $169 | $2,033 | +8% |
| Marshall | $168 | $2,022 | +7% |
| Burlington | $156 | $1,872 | -1% |
| Garrison | $168 | $2,021 | +7% |
| Golden Valley | $168 | $2,022 | +7% |
| Linton | $172 | $2,059 | +9% |
| Napoleon | $163 | $1,957 | +4% |
| Raleigh | $173 | $2,071 | +9% |
| Selfridge | $179 | $2,153 | +13% |
| Sterling | $165 | $1,980 | +5% |
| Zap | $168 | $2,017 | +7% |
| Minot | $150 | $1,805 | -4% |
| Butte | $169 | $2,032 | +8% |
| Saint Anthony | $171 | $2,058 | +9% |
| Solen | $176 | $2,116 | +12% |
| Killdeer | $168 | $2,017 | +7% |
| Lefor | $164 | $1,964 | +4% |
| Benedict | $167 | $2,000 | +6% |
| Donnybrook | $172 | $2,058 | +9% |
| Argusville | $146 | $1,754 | -7% |
| Forman | $152 | $1,823 | -3% |
| Grandin | $152 | $1,828 | -3% |
| Hillsboro | $151 | $1,815 | -4% |
| Lisbon | $153 | $1,834 | -3% |
| Strasburg | $172 | $2,059 | +9% |
| Dickinson | $151 | $1,807 | -4% |
| Belfield | $162 | $1,948 | +3% |
| Bantry | $165 | $1,977 | +5% |
| Des Lacs | $171 | $2,050 | +8% |
| Munich | $159 | $1,914 | +2% |
| New Rockford | $160 | $1,926 | +2% |
| Perth | $160 | $1,919 | +2% |
| Webster | $160 | $1,921 | +2% |
| Willow City | $160 | $1,925 | +2% |
| Dickey | $160 | $1,916 | +2% |
| Robinson | $163 | $1,959 | +4% |
| Steele | $163 | $1,951 | +4% |
| Absaraka | $151 | $1,808 | -4% |
| Ayr | $153 | $1,837 | -3% |
| Enderlin | $154 | $1,848 | -2% |
| Fingal | $152 | $1,825 | -3% |
| Hunter | $148 | $1,780 | -6% |
| Lidgerwood | $153 | $1,833 | -3% |
| Mantador | $152 | $1,826 | -3% |
| Mooreton | $149 | $1,790 | -5% |
| Blanchard | $155 | $1,859 | -1% |
| Colfax | $151 | $1,816 | -4% |
| Galesburg | $154 | $1,853 | -2% |
| Kathryn | $153 | $1,841 | -2% |
| Leonard | $150 | $1,803 | -4% |
| Mcleod | $153 | $1,839 | -2% |
| Karlsruhe | $166 | $1,987 | +5% |
| Lansford | $166 | $1,996 | +6% |
| Palermo | $173 | $2,074 | +10% |
| Ruso | $170 | $2,043 | +8% |
| Knox | $166 | $1,990 | +6% |
| Rolette | $161 | $1,934 | +3% |
| Saint Michael | $162 | $1,945 | +3% |
| Courtenay | $154 | $1,844 | -2% |
| Ellendale | $159 | $1,904 | +1% |
| Fredonia | $162 | $1,948 | +3% |
| Marion | $158 | $1,901 | +1% |
| Regan | $167 | $1,999 | +6% |
| Hansboro | $160 | $1,917 | +2% |
| Maddock | $164 | $1,967 | +4% |
| Starkweather | $158 | $1,892 | +0% |
| Tolna | $162 | $1,946 | +3% |
| Buchanan | $153 | $1,838 | -2% |
| Edgeley | $157 | $1,883 | -0% |
| Gackle | $160 | $1,923 | +2% |
| Grace City | $164 | $1,969 | +4% |
| Lehr | $159 | $1,911 | +1% |
| Fort Yates | $177 | $2,129 | +12% |
| Lawton | $159 | $1,907 | +1% |
| Binford | $156 | $1,868 | -1% |
| Fullerton | $158 | $1,898 | +1% |
| Glenfield | $163 | $1,958 | +4% |
| New Town | $173 | $2,078 | +10% |
| Noonan | $165 | $1,978 | +5% |
| Upham | $168 | $2,020 | +7% |
| Voltaire | $169 | $2,025 | +7% |
| Cartwright | $166 | $1,992 | +6% |
| Grenora | $166 | $1,994 | +6% |
| Ambrose | $165 | $1,985 | +5% |
| Epping | $170 | $2,034 | +8% |
| Leeds | $162 | $1,949 | +3% |
| Pekin | $163 | $1,951 | +4% |
| Rugby | $167 | $2,007 | +6% |
| Saint John | $165 | $1,975 | +5% |
| Berlin | $160 | $1,922 | +2% |
| Forbes | $157 | $1,887 | +0% |
| Goodrich | $165 | $1,975 | +5% |
| Kulm | $157 | $1,883 | -0% |
| Lamoure | $156 | $1,876 | -0% |
| Sanborn | $152 | $1,822 | -3% |
| Streeter | $156 | $1,870 | -1% |
| Tappen | $164 | $1,969 | +4% |
| Tuttle | $163 | $1,952 | +4% |
| Wishek | $164 | $1,973 | +5% |
| Powers Lake | $165 | $1,985 | +5% |
| Sherwood | $176 | $2,109 | +11% |
| Stanley | $169 | $2,027 | +7% |
| Tolley | $171 | $2,053 | +9% |
| Alamo | $169 | $2,031 | +8% |
| Hazelton | $168 | $2,012 | +7% |
| Mandan | $165 | $1,976 | +5% |
| Kramer | $162 | $1,947 | +3% |
| Mandaree | $168 | $2,019 | +7% |
| Maxbass | $170 | $2,040 | +8% |
| Parshall | $174 | $2,094 | +11% |
| Souris | $162 | $1,940 | +3% |
| Fortuna | $166 | $1,988 | +5% |
| Hamilton | $161 | $1,928 | +2% |
| Hoople | $158 | $1,898 | +1% |
| Pembina | $161 | $1,935 | +3% |
| Makoti | $173 | $2,075 | +10% |
| Moffit | $163 | $1,955 | +4% |
| Riverdale | $167 | $2,003 | +6% |
| Westhope | $168 | $2,016 | +7% |
| Wildrose | $166 | $1,989 | +5% |
| Ray | $169 | $2,032 | +8% |
| Trenton | $160 | $1,922 | +2% |
| Watford City | $166 | $1,990 | +5% |
| Flaxton | $168 | $2,010 | +7% |
| Granville | $170 | $2,037 | +8% |
| Mcgregor | $165 | $1,985 | +5% |
| Martin | $165 | $1,980 | +5% |
| Towner | $167 | $2,008 | +6% |
| Beulah | $166 | $1,992 | +6% |
| Center | $168 | $2,016 | +7% |
| Driscoll | $162 | $1,945 | +3% |
| Turtle Lake | $170 | $2,036 | +8% |
| Gladstone | $164 | $1,964 | +4% |
| Max | $167 | $2,000 | +6% |
| Williston | $162 | $1,948 | +3% |
| Cogswell | $155 | $1,864 | -1% |
| Fort Ransom | $156 | $1,872 | -1% |
| Gwinner | $153 | $1,836 | -3% |
| Carson | $177 | $2,122 | +12% |
| Hazen | $166 | $1,994 | +6% |
| Menoken | $161 | $1,926 | +2% |
| Glen Ullin | $168 | $2,015 | +7% |
| Medora | $165 | $1,981 | +5% |
| Taylor | $167 | $2,009 | +6% |
| Douglas | $168 | $2,018 | +7% |
| Mercer | $166 | $1,993 | +6% |
| Stanton | $168 | $2,013 | +7% |
| Carpio | $175 | $2,097 | +11% |
| Underwood | $165 | $1,984 | +5% |
| Wilton | $170 | $2,040 | +8% |
| Rhame | $168 | $2,016 | +7% |
| Minot Afb | $149 | $1,788 | -5% |
| Buffalo | $151 | $1,813 | -4% |
| Christine | $151 | $1,807 | -4% |
| Davenport | $149 | $1,789 | -5% |
| Havana | $152 | $1,824 | -3% |
| Horace | $140 | $1,679 | -11% |
| Sheldon | $154 | $1,854 | -2% |
| Grand Forks | $139 | $1,664 | -12% |
| Langdon | $157 | $1,879 | -0% |
| Neche | $162 | $1,942 | +3% |
| Brocket | $163 | $1,953 | +4% |
| Rocklake | $160 | $1,918 | +2% |
| Rolla | $164 | $1,966 | +4% |
| Dazey | $156 | $1,876 | -0% |
| Montpelier | $151 | $1,817 | -4% |
| Oakes | $156 | $1,867 | -1% |
| Woodworth | $154 | $1,853 | -2% |
| Mylo | $165 | $1,985 | +5% |
| Oberon | $162 | $1,945 | +3% |
| Penn | $159 | $1,906 | +1% |
| Tokio | $164 | $1,967 | +4% |
| Bowdon | $163 | $1,961 | +4% |
| Cathay | $162 | $1,947 | +3% |
| Fessenden | $162 | $1,944 | +3% |
| Litchville | $156 | $1,878 | -0% |
| Wing | $167 | $2,002 | +6% |
| Braddock | $170 | $2,045 | +8% |
| Flasher | $169 | $2,029 | +7% |
| Hague | $171 | $2,049 | +8% |
| New Leipzig | $172 | $2,067 | +9% |
| Norwich | $166 | $1,993 | +6% |
| Plaza | $173 | $2,073 | +10% |
| Sawyer | $168 | $2,017 | +7% |
| Alexander | $165 | $1,983 | +5% |
| Arnegard | $166 | $1,988 | +5% |
| Shields | $174 | $2,093 | +11% |
| Dodge | $168 | $2,020 | +7% |
| Hettinger | $176 | $2,116 | +12% |
| New England | $166 | $1,992 | +6% |
| Sentinel Butte | $169 | $2,034 | +8% |
| Walcott | $151 | $1,816 | -4% |
| Buxton | $154 | $1,846 | -2% |
| Cavalier | $157 | $1,885 | +0% |
| Cummings | $156 | $1,873 | -1% |
| Glasston | $158 | $1,897 | +1% |
| Maida | $158 | $1,893 | +1% |
| Saint Thomas | $158 | $1,902 | +1% |
| Cando | $159 | $1,902 | +1% |
| Churchs Ferry | $160 | $1,917 | +2% |
| Mcville | $162 | $1,942 | +3% |
| Manvel | $150 | $1,796 | -5% |
| Mayville | $153 | $1,837 | -3% |
| Michigan | $161 | $1,933 | +3% |
| Belcourt | $166 | $1,986 | +5% |
| Golva | $167 | $1,998 | +6% |
| Reeder | $173 | $2,075 | +10% |
| Regent | $172 | $2,070 | +9% |
| Anamoose | $167 | $2,000 | +6% |
| Deering | $167 | $2,006 | +6% |
| Glenburn | $168 | $2,013 | +7% |
| Ryder | $175 | $2,106 | +11% |
| White Earth | $170 | $2,037 | +8% |
| Tioga | $165 | $1,980 | +5% |
| Tower City | $152 | $1,821 | -3% |
| Bathgate | $161 | $1,934 | +3% |
| Emerado | $143 | $1,721 | -9% |
| Fordville | $160 | $1,920 | +2% |
| Northwood | $159 | $1,909 | +1% |
| Park River | $158 | $1,891 | +0% |
| Pisek | $162 | $1,938 | +3% |
| Portland | $154 | $1,845 | -2% |
| Alsen | $160 | $1,915 | +2% |
| Calvin | $160 | $1,918 | +2% |
| New Salem | $168 | $2,014 | +7% |
| Beach | $166 | $1,994 | +6% |
| Dunn Center | $168 | $2,013 | +7% |
| Fairfield | $166 | $1,995 | +6% |
| Marmarth | $173 | $2,072 | +10% |
| Scranton | $170 | $2,041 | +8% |
| Antler | $167 | $2,009 | +6% |
| Balfour | $165 | $1,980 | +5% |
| Columbus | $168 | $2,013 | +7% |
| Crosby | $166 | $1,995 | +6% |
| Baldwin | $165 | $1,982 | +5% |
| Inkster | $157 | $1,882 | -0% |
| Mapleton | $147 | $1,758 | -7% |
| Page | $152 | $1,825 | -3% |
| Pillsbury | $154 | $1,849 | -2% |
| Forest River | $163 | $1,951 | +4% |
| Hensel | $162 | $1,940 | +3% |
| Lankin | $161 | $1,937 | +3% |
| Niagara | $160 | $1,917 | +2% |
| Reynolds | $152 | $1,820 | -3% |
| Edmore | $159 | $1,909 | +1% |
| Clifford | $155 | $1,859 | -1% |
| Milnor | $153 | $1,841 | -2% |
| Barney | $152 | $1,828 | -3% |
| Erie | $151 | $1,809 | -4% |
| Oriska | $155 | $1,856 | -1% |
| Mekinock | $147 | $1,759 | -7% |
| Milton | $158 | $1,899 | +1% |
| Osnabrock | $159 | $1,903 | +1% |
| Bottineau | $162 | $1,939 | +3% |
| Fort Totten | $164 | $1,964 | +4% |
| Lakota | $161 | $1,932 | +3% |
| Cleveland | $154 | $1,844 | -2% |
| Cooperstown | $156 | $1,875 | -0% |
| Hurdsfield | $162 | $1,949 | +3% |
| Mchenry | $162 | $1,945 | +3% |
| Pettibone | $162 | $1,950 | +3% |
| Pingree | $154 | $1,849 | -2% |
| Ypsilanti | $149 | $1,787 | -5% |
| Harvey | $164 | $1,968 | +4% |
| Warwick | $161 | $1,928 | +2% |
| Chaseley | $163 | $1,956 | +4% |
| Dawson | $165 | $1,985 | +5% |
| Hannaford | $156 | $1,870 | -1% |
| Kensal | $153 | $1,841 | -2% |
| Sykeston | $162 | $1,945 | +3% |
| Verona | $153 | $1,840 | -2% |
| Wimbledon | $154 | $1,846 | -2% |
| Esmond | $166 | $1,992 | +6% |
| Sarles | $162 | $1,944 | +3% |
| Jessie | $155 | $1,857 | -1% |
| Medina | $155 | $1,865 | -1% |
| Rogers | $153 | $1,841 | -2% |
| West Fargo | $135 | $1,620 | -15% |
| Wheatland | $150 | $1,798 | -5% |
| Grafton | $157 | $1,889 | +0% |
| Petersburg | $162 | $1,945 | +3% |
| Devils Lake | $155 | $1,855 | -2% |
| Bisbee | $160 | $1,915 | +2% |
| Almont | $171 | $2,053 | +9% |
| Elgin | $175 | $2,094 | +11% |
| Kintyre | $171 | $2,049 | +8% |
| Zeeland | $161 | $1,927 | +2% |
| Amidon | $168 | $2,020 | +7% |
| Manning | $167 | $2,001 | +6% |
| Mott | $174 | $2,092 | +10% |
| Richardton | $167 | $2,003 | +6% |
| Bowbells | $170 | $2,035 | +8% |
| Hampden | $159 | $1,909 | +1% |
| Nekoma | $159 | $1,907 | +1% |
| York | $167 | $2,004 | +6% |
| Cayuga | $152 | $1,823 | -3% |
| Hankinson | $153 | $1,832 | -3% |
| Kindred | $147 | $1,764 | -7% |
| Nome | $155 | $1,857 | -1% |
| Roseglen | $172 | $2,059 | +9% |
| Lignite | $167 | $2,009 | +6% |
| Mohall | $171 | $2,049 | +8% |
| Newburg | $168 | $2,013 | +7% |
| Portal | $169 | $2,024 | +7% |
| Surrey | $155 | $1,855 | -2% |
| Keene | $167 | $2,009 | +6% |
| Zahl | $167 | $2,000 | +6% |
| Ross | $171 | $2,052 | +9% |
| Velva | $168 | $2,021 | +7% |
Average car insurance costs by age and gender in North Dakota
Two contributing factors to car insurance rates are age and gender, so they should be considered when you’re figuring out how much car insurance is in North Dakota. Although these rating factors are not used in all states, they are in North Dakota. On average, young drivers and drivers aged 70+ are more likely to experience auto incidents or commit traffic violations. As a reflection of this, providers typically charge these age groups more based on how risky they are to insure. The tables show rates by age and gender based on drivers on their own policy, while the young drivers tables show rates when listed as drivers on their parents’ policy.
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in North Dakota
$336
|
Avg. annual full coverage premium in North Dakota
$4,027
|
|
Age 18
|
Avg. monthly full coverage premium in North Dakota
$441
|
Avg. annual full coverage premium in North Dakota
$5,292
|
|
Age 20
|
Avg. monthly full coverage premium in North Dakota
$338
|
Avg. annual full coverage premium in North Dakota
$4,056
|
|
Age 25
|
Avg. monthly full coverage premium in North Dakota
$203
|
Avg. annual full coverage premium in North Dakota
$2,436
|
|
Age 30
|
Avg. monthly full coverage premium in North Dakota
$169
|
Avg. annual full coverage premium in North Dakota
$2,032
|
|
Age 40
|
Avg. monthly full coverage premium in North Dakota
$159
|
Avg. annual full coverage premium in North Dakota
$1,904
|
|
Age 50
|
Avg. monthly full coverage premium in North Dakota
$141
|
Avg. annual full coverage premium in North Dakota
$1,689
|
|
Age 60
|
Avg. monthly full coverage premium in North Dakota
$135
|
Avg. annual full coverage premium in North Dakota
$1,617
|
|
Age 70
|
Avg. monthly full coverage premium in North Dakota
$140
|
Avg. annual full coverage premium in North Dakota
$1,681
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in North Dakota
$289
|
Avg. annual full coverage premium in North Dakota
$3,469
|
|
Age 18
|
Avg. monthly full coverage premium in North Dakota
$404
|
Avg. annual full coverage premium in North Dakota
$4,849
|
|
Age 20
|
Avg. monthly full coverage premium in North Dakota
$288
|
Avg. annual full coverage premium in North Dakota
$3,460
|
|
Age 25
|
Avg. monthly full coverage premium in North Dakota
$185
|
Avg. annual full coverage premium in North Dakota
$2,217
|
|
Age 30
|
Avg. monthly full coverage premium in North Dakota
$165
|
Avg. annual full coverage premium in North Dakota
$1,975
|
|
Age 40
|
Avg. monthly full coverage premium in North Dakota
$155
|
Avg. annual full coverage premium in North Dakota
$1,863
|
|
Age 50
|
Avg. monthly full coverage premium in North Dakota
$130
|
Avg. annual full coverage premium in North Dakota
$1,555
|
|
Age 60
|
Avg. monthly full coverage premium in North Dakota
$133
|
Avg. annual full coverage premium in North Dakota
$1,594
|
|
Age 70
|
Avg. monthly full coverage premium in North Dakota
$138
|
Avg. annual full coverage premium in North Dakota
$1,658
|
Bankrate’s take: Men typically pay slightly higher car insurance premiums than women because they are considered riskier drivers. However, drivers may be able to lower their rates with discounts like good driver rewards, professional association discounts and by bundling their car insurance with home insurance.
Cost considerations for young drivers in North Dakota
Older teen drivers may consider getting their own policy, but it’s important to understand the financial impact. While 16- and 17-year-old drivers must be included on their parents’ policies and don’t have an option to get their own, drivers aged 18 and older can choose. However, staying on a parents’ policy can provide substantial savings on average.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in ND
$3,748
|
|
Age 17
|
Avg. annual premium for drivers in ND
$3,370
|
|
Age 18
|
Avg. annual premium for drivers in ND
$3,067
|
|
Age 19
|
Avg. annual premium for drivers in ND
$2,793
|
|
Age 20
|
Avg. annual premium for drivers in ND
$2,688
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in ND
$5,070
|
|
Age 19
|
Avg. annual premium for drivers in ND
$4,071
|
|
Age 20
|
Avg. annual premium for drivers in ND
$3,758
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 65 percent more |
| Age 19 | 46 percent more |
| Age 20 | 40 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in North Dakota?
North Dakota drivers can help reduce their car insurance costs by maintaining a clean driving record and practicing safe driving habits to avoid tickets and at-fault accidents. Having a speeding ticket violation increases rates by about 20 percent more than the average cost of car insurance in North Dakota. Drivers with a DUI conviction, which is one of the most serious driving violations, pay an average of 92 percent more.
The table below offers a current look at how much a single violation could increase your full coverage car insurance in North Dakota.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in North Dakota
$1,884
|
Percentage increase from North Dakota avg. annual premium*
0%
|
|
Avg. annual premium* in North Dakota
$2,251
|
Percentage increase from North Dakota avg. annual premium*
20%
|
|
|
Avg. annual premium* in North Dakota
$2,534
|
Percentage increase from North Dakota avg. annual premium*
35%
|
|
|
Avg. annual premium* in North Dakota
$3,621
|
Percentage increase from North Dakota avg. annual premium*
92%
|
Car insurance rates in North Dakota by credit tier
North Dakota also allows creditworthiness as a factor in car insurance rates. If you have excellent credit, you could pay an average of 19 percent less than drivers with good credit, who pay the average. But if you have poor credit, your average rates can be around 125 percent more than drivers with good credit.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in North Dakota
$4,241
|
Percentage difference from North Dakota avg. annual premium*
125%
|
|
|
Average
|
Avg. annual premium* in North Dakota
$2,156
|
Percentage difference from North Dakota avg. annual premium*
14%
|
|
Avg. annual premium* in North Dakota
$1,884
|
Percentage difference from North Dakota avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in North Dakota
$1,521
|
Percentage difference from North Dakota avg. annual premium*
-19%
|
North Dakota car insurance rates by vehicle type
The make and model of the car you drive can also affect your North Dakota car insurance rates. While Toyota Camry drivers typically pay around the average for the state, Ford F-150 or Honda Odyssey drivers usually pay less. However, driving a BMW 330i or Toyota Prius could mean paying more for the same coverage.
|
|
|
|---|---|
|
Avg. annual premium* in North Dakota
$1,884
|
|
|
Avg. annual premium* in North Dakota
$1,747
|
|
|
Avg. annual premium* in North Dakota
$1,659
|
|
|
BMW 330i
|
Avg. annual premium* in North Dakota
$2,238
|
|
Toyota Prius
|
Avg. annual premium* in North Dakota
$1,962
|
Estimate your car insurance cost in North Dakota
Car insurance premiums can vary significantly in price from one driver to the next, and it can be hard to estimate what you’ll pay. That’s why Bankrate created the helpful calculator tool below. After you enter some basic information about yourself and your insurance needs, the tool presents a rough estimate of your insurance premium. The calculator won’t give you an exact quote, but the estimate can help you budget accordingly.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in North Dakota
Beyond choosing where you live, there are often several ways to save on car insurance. When trying to find the best cheap car insurance in North Dakota, it helps to combine multiple strategies for savings. Everything from discounts to policy details to the kind of driver you are can play a role in reducing costs.
- Pursue discounts: Many auto insurance providers offer discounts. These savings can be attached to different requirements. Rewards for paperless billing, safe driving history, policy bundling and vehicle safety features are some common examples. The more discounts you qualify for and use, the more you may save on your rates.
- Reduce coverage: If you have more than the legally required amount of car insurance, you can reduce your coverage limits. Doing so will reduce your premiums, but it is essential to note that it comes at the cost of reduced financial security around your vehicle.
- Increase deductibles: Higher deductibles can often lead to lower rates, but this can be a risky method if you don’t consider your full financial picture. Your deductible is the amount you’re responsible for out of pocket, while your insurance company covers the rest, up your limits. So, a higher deductible could reduce rates, but will cost you more out of pocket if you need to file a claim.
- Drive safe: Your driving record is one of the main factors that contributes to auto insurance rate calculations. By going a significant amount of time (generally three to five years) without having any traffic violations or insurance claims, you can often reduce your costs.
- Shop around: Although insurance providers usually look at the same personal factors when determining insurance rates, each company’s algorithm weighs them differently, so you may pay more with one insurer than another for the exact same coverage.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.