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:
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.
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.
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Recommended Companies for Cheap North Dakota Insurance
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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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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.
|Rank||Company||Market Share||Average Rate|
|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.
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
- Best Cheap Auto Insurance in North Dakota
- Best Cheap Car Insurance Quotes After a Speeding Ticket in North Dakota
- Who Has the Cheapest Insurance for a Ford Escape in North Dakota?
- Cheapest Car Insurance Quotes for Teenagers in North Dakota
- Cheap Insurance Quotes for a Honda Civic in North Dakota
- How Much Does Auto Insurance Cost for Good Drivers in North Dakota?
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$98|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.