Average Cost of Car Insurance in North Dakota for 2024

Updated March 4, 2024
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Nodak Mutual is generally the cheapest car insurance in North Dakota for full coverage policies.

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Whether you live in Bismarck, Fargo, or Bottineau, auto coverage in North Dakota tends to be relatively inexpensive. The average cost of car insurance in North Dakota is $1,202 per year, while the national average is $1,582.

Several factors affect your premiums, including age, location, driving history, and credit score. Let’s explore the average auto policy premiums in North Dakota.

In this article

Key takeaways

  • The average cost of car insurance in North Dakota is $1,202 per year for full coverage.
  • State-minimum liability coverage averages just $349 per year.
  • Teen drivers pay an average of $3,201 per year.

How much does car insurance cost in North Dakota?

If you’re shopping for car insurance in North Dakota, you can expect lower premiums than in other parts of the country. Full coverage policies — which include liability, collision, and comprehensive insurance — cost an average of $1,202 per year, compared to the national average of $1,582. And state-minimum coverage averages just $349 per year.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,202/year $349/year Nodak Mutual
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$3,201/year $1,305/year $1,716/year

Average cost of car insurance in North Dakota by provider

Policy rates can vary by insurance company, which is particularly evident in North Dakota. Several insurers issue policies in the state, including national companies like Progressive and Allstate. But North Dakota drivers can also purchase insurance from smaller insurers like Nodak Mutual.

At $492 per year, Nodak Mutual has the lowest average premiums for full coverage policies. USAA has the cheapest average premiums for state-minimum liability insurance at just $197 per year.

Provider Full coverage Minimum liability coverage
American Family $1,200/year
Nodak Mutual $492/year
Allstate $1,315/year $503/year
Farmers $1,249/year $448/year
GEICO $1,174/year $326/year
State Farm $947/year $296/year
Progressive $1,023/year $414/year
USAA $723/year $197/year

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How does credit score affect car insurance rates in North Dakota?

Insurance companies typically consult your insurance credit score, among several other factors, as part of their underwriting process, so having good credit can help you save money on car insurance.

We found that drivers with excellent credit — meaning scores of 750 or better — pay an average of $1,157 for coverage in North Dakota. By contrast, those with poor credit pay an average of $2,651 per year, more than double the state average.

Credit health Avg. annual premium
Poor (550-649) $2,651/year
Average (650-699) $1,525/year
Good (700-749) $1,321/year
Excellent (750+) $1,157/year

Average car insurance rates for high-risk drivers in North Dakota

North Dakota is one of the worst states in the country in terms of alcohol-related driving fatalities. The state has taken some measures to curb the number of drivers getting behind the wheel after drinking, and a driving under the influence (DUI) conviction will significantly affect your car insurance premiums.

After a DUI conviction, the average annual premium is $2,047, hundreds more than the state average.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,202/year $2,047/year $845
DUI $1,202/year $2,452/year $1,250
Speeding ticket $1,202/year $1,784/year $582

*Assumes clean driving record with good credit

How does age affect car insurance rates in North Dakota?

Young adults and teens have less experience driving, so they’re more likely to be involved in accidents. Consequently, insurers charge them much higher rates for car insurance. 

In North Dakota, the average annual premium for drivers that are 18 years of age is $3,615, nearly three times the state average. Drivers in their 60s pay much less for coverage, with an average premium of just $1,135 per year.

Age Avg. annual premium
18 $3,615/year
25 $1,358/year
30 $1,189/year
40 $1,244/year
60 $1,135/year

North Dakota car insurance rates by city

Drivers in Dickinson, North Dakota, have the highest average premiums at $1,597 per year. The city doesn’t have a particularly high crime rating, but it does have a much higher population density than the rest of the state. With more people in close proximity, more cars are on the road, and a higher likelihood of getting into an accident.

City Avg. annual full-coverage premium
Dickinson $1,597/year
Mandan $1,573/year
Watford City $1,523/year
Minot $1,494/year
Grand Forks $1,357/year
Fargo $1,191/year

ND’s minimum car insurance requirements

Drivers in North Dakota must have car insurance. Because the state has a high percentage of uninsured drivers, the state’s minimum coverage requirements are more extensive than most. Your policy must meet the following minimums:

  • $25,000 in bodily injury liability protection for one person
  • $50,000 in bodily injury liability protection for two or more people
  • $25,000 in property damage liability protection
  • $25,000 per person and $50,000 per accident in uninsured motorist protection
  • $30,000 in basic personal injury protection (PIP)

How to save money on car insurance in North Dakota

To save money on North Dakota auto insurance, use these tips:

  • Take a driving course: In North Dakota, drivers can take an approved insurance premium reduction online course. If they successfully complete it, they can qualify for a discount on their premiums.
  • Ask about discounts: Call or visit your agent to ask about discount programs. Some common insurance discounts include good student, multi-policy, multi-vehicle, claims-free, and paperless billing discounts.
  • Shop around: To find the best car insurance rates, request quotes from several insurance companies. Shopping around could help you save hundreds on your car insurance.


Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in ND

Is car insurance expensive in ND?

Car insurance tends to be less expensive in North Dakota than in other states, with the average premium for full coverage policy at $1,202, compared to the national average of $1,582.

How much is car insurance per year in ND?

The average car insurance premium in North Dakota is $1,202 per year for full coverage policies. State minimum liability policies cost an average of $349 per year.

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.