The average driver in North Dakota pays about $961 a year for full coverage — about 33% less than the US average of $1,438. That ranks North Dakota #49 of 51 states (one of the cheapest). The car you drive then shifts it: a cheap-to-insure model can land near $461, a high-loss one well over $7,077.
North Dakota insurance cost by coverage
Average North Dakota premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in North Dakota
North Dakota legally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. PIP is required. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves. Buying used here? Check the car first — look it up by its North Dakota license plate.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in North Dakota
Estimated annual premium in North Dakota, cheapest first — state average × each car's real HLDI loss index. See the full cheapest cars to insure nationally.
Know what a car really costs to insure and own.
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Most expensive cars to insure in North Dakota
The priciest cars to insure in North Dakota — powerful, theft-prone and costly to repair. See the most expensive cars to insure nationally.
North Dakota insurance cost by year
North Dakota premiums are up about +12% since 2019. Average North Dakota premium by year:
| Year | North Dakota avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in North Dakota's largest cities
Rates vary within North Dakota by city and ZIP — dense metros like Fargo run above the state average, while smaller towns run below. Estimated typical premium in North Dakota's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Fargo | $1,057/yr | +10% urban |
| Bismarck | $1,028/yr | +7% urban |
| Grand Forks | $1,009/yr | +5% urban |
| Minot | $999/yr | +4% urban |
| West Fargo | $980/yr | +2% urban |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.
North Dakota car insurance — frequently asked
How much is car insurance in North Dakota?
The average is about $961/yr ($80/mo) for full coverage — 33% below the US average. Your exact rate depends on your car, age and record.
What is the minimum car insurance required in North Dakota?
North Dakota requires at least 25/50/25 liability — $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus PIP, plus uninsured-motorist coverage.
Is car insurance expensive in North Dakota?
North Dakota ranks #49 of 51 states (one of the cheapest). At $961/yr it is below the national average of $1,438.
What is the cheapest car to insure in North Dakota?
On our data, low-loss models like the Chevrolet Express are cheapest to insure in North Dakota — around $461/yr.
How much is car insurance per month in North Dakota?
About $80/month for a typical car with full coverage — less for cheap-to-insure models, more for high-performance ones.