North Dakota Car Insurance Rates

Estimated insurance rates in North Dakota for 2018 are $1,300 every 12 months for full coverage. Comprehensive, collision insurance, and liability coverage cost an estimated $290, $528, and $336, respectively. Beulah, Hazen, and Rugby have more expensive auto insurance rates, and the two companies with the most written premium are Progressive and State Farm.

Average rate for full coverage: $1,300

Rate estimates broken down by type of coverage:

Comprehensive $290
Collision $528
Liability $336

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Car Insurance in North Dakota

For a driver around age 40, insurance rates range from as low as $398 for a discount liability-only rate to the much higher price of $2,806 for a high-risk insurance policy.

Liability Only $398
Full Coverage $1,300
High Risk $2,806

These rate differences show why everyone should get quotes for a targeted area and risk profile, rather than using averaged prices.

Use the form below to get accurate rates for your location.

Enter your North Dakota zip code below to view companies that have cheap auto insurance rates.

Companies will appear below. Or click to load full page.

Recommended Companies for Cheap North Dakota Insurance

Searching Companies

View Chart as Image

North Dakota car insurance rate comparison chart
Column chart showing North Dakota car insurance prices range from $746 to $4,782 for full coverage

Chart shows North Dakota auto insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $746. Insureds who use higher $1,000 deductibles will pay around $1,114. The average rate for a driver around age 40 using $500 deductibles is $1,300. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cause an increase to $1,660. Drivers considered high risk could be charged up to $2,806. The rate for full coverage insurance for a teenage driver can get as high as $4,782.

Auto insurance rates in North Dakota also have a wide range based on your driving characteristics, the type of vehicle you drive, and liability limits and deductibles.

The type of vehicle you drive is a primary factor in determining the price you pay for insurance in North Dakota. Choosing to drive a more affordable and lower horsepower model will cost less to insure primarily due to lower cost for replacement parts and lower medical and liability claims.

The table below shows auto insurance estimates for the best selling vehicles that are insured in North Dakota.

North Dakota Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,3725.2%
Dodge Ram$1,4107.8%
Ford Escape$1,084-19.9%
Ford Focus$1,256-3.5%
Ford Fusion$1,3785.7%
Ford F-150$1,222-6.4%
GMC Acadia$1,196-8.7%
GMC Sierra$1,3503.7%
Honda Accord$1,212-7.3%
Honda Civic$1,4208.5%
Honda CR-V$1,054-23.3%
Honda Pilot$1,234-5.3%
Hyundai Sonata$1,3181.4%
Kia Optima$1,3443.3%
Nissan Altima$1,3382.8%
Nissan Rogue$1,3060.5%
Toyota Camry$1,3241.8%
Toyota Corolla$1,294-0.5%
Toyota Prius$1,208-7.6%
Toyota RAV4$1,224-6.2%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

The company you buy your policy from obviously has an impact on price. In each state, every insurer has a different rate structure, and prices have large differences depending on individual risk factors.

In North Dakota, auto insurance prices range from $718 with USAA to as much as $5,145 with Dairyland. Other companies like Allied, Nodak Mutual, and Grinnell generally fall somewhere towards the middle. Those most likely are not the rates you would pay, as any driving violations, your vehicle make and model, and where you live in North Dakota all influence the price.

North Dakota Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1Progressive15.03%$1,307
2State Farm14.54%$1,131
3American Family9.57%$1,507
4Farmers Union8.79%N/A
5Nodak Mutual8.32%$937
6USAA4.25%$718
7Farmers Insurance3.87%$2,159
8Geico3.65%$2,039
9Center Mutual3.15%N/A
10Allstate3.11%$1,504
Get Your Rates Quote Now

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

A more mature driver with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $550 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $303 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live in North Dakota plays a big part in determining prices for auto insurance rates. Areas with less traffic congestion could see prices as low as $1,000 a year, while some neighborhoods in Beulah and Hazen may see prices closer to $1,700. Geographically different areas within the same city can have large rate differences.

These price discrepancies highlight the need to quote rates based on where you live in North Dakota.

View Chart as Image

North Dakota insurance rates by city

With so much difference in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be substantially different from one company to the next.

North Dakota Auto Insurance Articles

Compare Rates Now

Rates by Driver Age

North Dakota Insurance Rates by Driver Age
Driver AgePremium
16$4,782
20$3,000
30$1,360
40$1,300
50$1,188
60$1,162

Full coverage, $500 deductibles

Rates by Deductible

North Dakota Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,660
$250$1,494
$500$1,300
$1,000$1,114

Full coverage, driver age 40

Rates by Liability Limit

North Dakota Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,300
50/100$1,367
100/300$1,451
250/500$1,670
100 CSL$1,401
300 CSL$1,586
500 CSL$1,720

Full coverage, driver age 40

Rates for High Risk Drivers

North Dakota Car Insurance Rates for High Risk Drivers
AgePremium
16$6,830
20$4,764
30$2,876
40$2,806
50$2,674
60$2,652

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$69
Multi-vehicle$67
Homeowner$18
5-yr Accident Free$98
5-yr Claim Free$84
Paid in Full/EFT$61
Advance Quote$65
Online Quote$92
Total Discounts$554
Rate after discounts $746

Discounts are estimated and may not be available from every company or in every state.

You May Also Enjoy These Articles