Average car insurance cost in North Dakota
North Dakota lands in the affordable middle of the pack at #16 of 51, with average premiums about 13% below the national average — around $336 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How North Dakota compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in North Dakota next to nearby states:
| State | Full coverage /mo | Difference vs ND |
|---|---|---|
| North Dakota | $180 | — |
| Minnesota | $222 | +$42/mo |
| South Dakota | $196 | +$16/mo |
| Montana | $211 | +$31/mo |
North Dakota car insurance FAQ
How much is car insurance in North Dakota?
Full-coverage car insurance in North Dakota averages $180 per month ($2,160 per year). A state-minimum liability policy averages $47 per month ($564 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in North Dakota more expensive than average?
No. North Dakota's full-coverage average of $180/month is about 13% below the U.S. average of $208/month, ranking #16 of 51 (1 = cheapest).
Is North Dakota a no-fault state?
Yes. North Dakota uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in North Dakota?
Minimum liability in North Dakota averages $47/month versus $180/month for full coverage — a gap of $133/month, or $1,596/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.