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.
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.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
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- …and much more
Most expensive cars to insure in North Dakota
The priciest cars to insure in North Dakota — powerful, theft-prone and costly to repair.
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.