Car Insurance in North Dakota (ND)
The average car insurance premium in North Dakota is $1,350 per year ($113/month), making it the #42 most expensive state for car insurance. This is $550 (29%) below the national average of $1,900. No-fault state. Very low population density. Severe winter weather increases comprehensive claims but low traffic density offsets costs. Within North Dakota, rates range from $1,300/yr in Grand Forks to $1,500/yr in Fargo.
Car Insurance Rates by City in North Dakota
The table below shows average car insurance premiums for 3 major cities in North Dakota, sorted by cost from highest to lowest. Urban areas typically have higher rates than the state average due to increased traffic congestion, higher theft rates, and more frequent accidents.
| City | Avg. Annual | Avg. Monthly | vs. State Avg | vs. National Avg |
|---|---|---|---|---|
| Fargo Highest | $1,500 | $125 | +$150 | -$400 |
| Bismarck | $1,350 | $113 | Same | -$550 |
| Grand Forks Lowest | $1,300 | $108 | -$50 | -$600 |
How North Dakota Compares to Other States
Below is a comparison of North Dakota with five states that have similar average car insurance premiums. This helps illustrate where North Dakota stands relative to comparable states.
| State | Avg. Annual | Monthly | Min Coverage | Full Coverage |
|---|---|---|---|---|
| North Dakota (ND) | $1,350 | $113 | $675 | $1,755 |
| South Dakota (SD) | $1,350 | $113 | $675 | $1,755 |
| Iowa (IA) | $1,300 | $108 | $650 | $1,690 |
| Wisconsin (WI) | $1,300 | $108 | $650 | $1,690 |
| Wyoming (WY) | $1,400 | $117 | $700 | $1,820 |
| Alaska (AK) | $1,450 | $121 | $725 | $1,885 |
Frequently Asked Questions About Car Insurance in North Dakota
How much is car insurance in North Dakota?
The average car insurance premium in North Dakota is $1,350 per year, or about $113 per month. This is $550 below the national average of $1,900/year. Minimum coverage averages $675/year, while full coverage averages $1,755/year. Your actual rate will depend on your driving record, age, vehicle, and coverage level.
Is North Dakota a no-fault or at-fault insurance state?
North Dakota is a no-fault insurance state. This means that after an accident, each driver's own insurance pays for their medical expenses regardless of who was at fault, through mandatory Personal Injury Protection (PIP) coverage. No-fault states generally have higher premiums because PIP adds to the cost of coverage. North Dakota's average of $1,350/year reflects this added cost.
What is the cheapest car insurance in North Dakota?
The cheapest option in North Dakota is minimum liability coverage, which averages $675 per year ($56/month). However, minimum coverage only pays for damage you cause to others and does not cover your own vehicle. To get the cheapest rates, maintain a clean driving record, increase your deductible, ask about discounts (bundling, good student, safe driver), and compare quotes from at least 3-5 insurers. Among major cities, Grand Forks has the lowest average at $1,300/year.
Which city in North Dakota has the highest car insurance rates?
Fargo has the highest average car insurance premium in North Dakota at $1,500 per year ($125/month). This is $150 more than the state average. Urban areas like Fargo typically have higher rates due to increased traffic congestion, higher crime rates, and more frequent accidents.
How can I lower my car insurance rate in North Dakota?
To lower your car insurance in North Dakota: (1) Compare quotes from at least 3-5 insurance companies, as rates vary significantly between insurers. (2) Increase your deductible from $500 to $1,000 or higher to lower your premium. (3) Ask about discounts -- bundling home and auto, good student, safe driver, low mileage, and military discounts can save 5-25% each. (4) Maintain a clean driving record, as accidents and tickets can increase rates 20-50%. (5) Improve your credit score, as most states allow credit-based insurance scoring. (6) Consider usage-based insurance programs that track your driving habits for additional savings.
Find Your Car Insurance Rate
Use our car insurance rate lookup tool to find average rates for your specific city in North Dakota, or browse all 50 states to compare car insurance costs across the country. Remember that individual rates vary based on driving record, age, vehicle, and coverage level -- these are state-level averages for general comparison.