Updated NAIC 2023 data | Rank #1 of 51 by average expenditure
Car Insurance Cost Per Month in North Dakota
Full coverage avg
$80/mo
Minimum coverage avg
$28/mo
State minimum reqs
25/50/25
No-fault / PIP
No-fault state with PIP but very low population density and low accident frequency yield moderate rates. Adjust age and vehicle below to see your estimated monthly cost.
North Dakota
in North Dakota with a Sedan
$92/month
Anchored on the state average for a policy with liability, collision and comprehensive. -$28 below national avg
State Min$32/mo25/50/25
Standard$62/mo50/100/50
Full Coverage$92/mo100/300/100
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisModelled Monthly Cost by Age in North Dakota
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $109 | $313 | Age 16page → |
| 17 | $100 | $285 | Age 17page → |
| 18 | $87 | $248 | Age 18page → |
| 19 | $74 | $211 | Age 19page → |
| 25 | $32 | $92 | Age 25page → |
| 35 | $27 | $78 | Age 35page → |
| 45 | $28 | $80 | Age 45page → |
| 65 | $31 | $87 | Age 65page → |
Average Monthly Cost by Vehicle Type in North Dakota
Top 3 Carriers in North Dakota by Market Share
1
State Farm
By direct written premium
2
Nodak Mutual
By direct written premium
3
GEICO
By direct written premium
Market share does not equal the cheapest rate for your profile. Compare at least three carriers.
Nearby States by Cost Rank
North Dakota Car Insurance FAQs
What is the average car insurance cost per month in North Dakota?⌄
On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in North Dakota carrying liability, collision and comprehensive averaged $80 a month, and the liability portion alone $28. The average insured vehicle in the state cost $67 a month, whether or not it carried the physical damage coverages, which ranks North Dakota #1 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.
What is the minimum car insurance required in North Dakota?⌄
North Dakota requires minimum liability coverage of 25/50/25. North Dakota is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability.
Who has the cheapest car insurance in North Dakota?⌄
The top three carriers by market share in North Dakota are State Farm, Nodak Mutual, GEICO, per NAIC market share filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does North Dakota have no-fault insurance?⌄
Yes. North Dakota is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. North Dakota's minimum PIP requirement is part of the 25/50/25 minimum package.
Why is car insurance so cheap in North Dakota?⌄
No-fault state with PIP but very low population density and low accident frequency yield moderate rates.
Is my credit score used for car insurance in North Dakota?⌄
Yes, in most cases. North Dakota allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.