North Dakota Car Insurance Calculator
Calculate your auto insurance cost in North Dakota. Compare with state averages and find savings.
$1,178
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$98
Full Coverage
$1,534
Min Coverage
$412
Uninsured Rate
5.9%
North Dakota Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredYes ($30,000 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in North Dakota
No-fault stateLow populationHarsh winters
Major Metro Areas in North Dakota
FargoBismarckGrand ForksMinotWest Fargo
FAQ
North Dakota Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in North Dakota
The average annual car insurance premium in North Dakota is $1,178, or about $98 per month. Full coverage averages $1,534 annually, while minimum coverage averages $412. Your actual rate depends on your age, driving record, vehicle, and coverage level.
North Dakota requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). North Dakota also requires Personal Injury Protection (PIP) with a minimum of $30,000. Uninsured motorist coverage is also required.
Key factors affecting North Dakota car insurance rates include: No-fault state, Low population, Harsh winters. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 5.9% of drivers in North Dakota are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your North Dakota car insurance: 1) Compare quotes from multiple insurers like State Farm, Nodak Insurance, GEICO. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in North Dakota include: State Farm, Nodak Insurance, GEICO, Progressive, Farm Bureau. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
ND Insurance Costs
Average premiums in North Dakota:
- Annual Average$1,178
- Monthly Average$98
- Full Coverage$1,534
- Minimum Coverage$412
ND Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate5.9%
Top ND Insurers
Popular insurance companies:
- •State Farm
- •Nodak Insurance
- •GEICO
- •Progressive
- •Farm Bureau