Auto Insurance Costs in North Dakota (ND)
Drivers in North Dakota pay 24.4% less than the national average for auto insurance. The average annual premium for full coverage is $1,266 ($106/month).
Updated July 2026Minimum Auto Insurance Requirements in North Dakota
North Dakota requires all drivers to carry minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage).
What does 25/50/25 mean?
The three numbers represent your minimum coverage limits (in thousands of dollars): the first is the maximum per person for injuries you cause, the second is the total maximum per accident, and the third covers property damage you cause to others.
While minimum coverage meets legal requirements, it may leave you financially exposed in a serious accident. Full coverage adds collision and comprehensive to protect your own vehicle as well.
About 6.8% of drivers in North Dakota are uninsured, which is lower than the national average of about 12.6%. Fewer uninsured drivers helps keep premiums more manageable.
What Affects Auto Insurance Rates in North Dakota?
- Your city: Urban areas with heavier traffic typically cost more than rural areas.
- Your driving record: Accidents and tickets raise your rate. Most violations affect your premium for 3-5 years.
- Your vehicle: Newer, more expensive, or higher-horsepower vehicles cost more to insure.
- Your credit score: Most insurers in North Dakota use credit-based insurance scores when setting rates.
- Your age: Drivers under 25 and over 65 tend to pay more, with the highest rates for teenagers.
- Your coverage level: Choosing higher deductibles lowers your premium but increases your out-of-pocket cost if you file a claim.
Auto Insurance Costs by City in North Dakota
Rates vary within North Dakota based on local factors like traffic density, crime rates, and weather patterns.
Explore Insurance Costs in North Dakota Cities
How to Save on Auto Insurance in North Dakota
- Compare quotes from at least 3-5 companies. Rates can vary by hundreds of dollars for the same coverage.
- Bundle your policies. Many insurers offer 10-25% discounts when you combine auto with home or renters insurance.
- Raise your deductible. Increasing your deductible from $500 to $1,000 can save 15-30% on collision and comprehensive coverage.
- Ask about discounts. Common discounts include safe driver, good student, military, low mileage, and paying in full.
- Maintain good credit. In North Dakota, improving your credit score can significantly lower your premium.
- Review your coverage annually. As your car ages, you may want to drop collision coverage if the premium approaches the car's value.
Frequently Asked Questions About North Dakota Auto Insurance
How much does car insurance cost in North Dakota?
The average cost of full coverage car insurance in North Dakota is $1,266 per year, or about $106 per month. Minimum coverage averages $392 per year. Your actual rate depends on your driving record, credit score, vehicle, and where you live within the state.
Is car insurance expensive in North Dakota?
No, North Dakota has relatively affordable auto insurance compared to the national average.
What is the minimum car insurance required in North Dakota?
North Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage, in thousands). This is the legal minimum to drive, but it may not be enough to cover a serious accident.