Car insurance in North Dakota
Drivers in North Dakota paid $961 a year for full coverage in 2023, 33% below the national average. With prices up since, figure on about $1,140 today. In North Dakota, the law asks for at least 25/50/25 liability.
What people pay in North Dakota
A typical yearly price today
about $1,140 a year (about $95 a month)
North Dakota's average full-coverage cost in 2023 was $961, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,140.
That makes North Dakota the 3rd least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
North Dakota next to its neighbors
A typical policy costs less in North Dakota than in all three of its neighbors.
| State | Typical price, 2023 | Moving to North Dakota from there |
|---|---|---|
| North Dakota | $961 | Not a move |
| Minnesota | $1,223 | About $360 less a year |
| Montana | $1,184 | About $300 less a year |
| South Dakota | $1,158 | About $270 less a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance North Dakota's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
North Dakota is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $332 in North Dakota in 2023 (about $390 today, brought up the same rough way), the lowest of the 50 states and DC. That's about 34% of the full-coverage price; the rest pays to fix or replace your own car.
North Dakota requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. It is a no-fault state: your policy must include $30,000 of no-fault (PIP) benefits, plus uninsured and underinsured motorist coverage.
- Personal injury protection
- $30,000 per person basic no-fault benefits (max $150/week work loss; $3,500 funeral)
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least $25,000 per person and $50,000 per crash, and underinsured motorist coverage must match it. You can ask for more, up to your injury liability limits or $100,000/$300,000.
- Checked
- September 22, 2026
A new teen driver in North Dakota
Adding a 16-year-old to a typical policy
about $750 more a year
About $65 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,400–$2,500 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $3,270 a year in North Dakota (roughly $2,500–$4,650).
What adding a teen costs comes from California's published prices, so the range is wide, and North Dakota may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In North Dakota, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $670 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,130 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$670 a year | $2,920 a year |
| 2022 Subaru Outback | +$670 a year | $2,920 a year |
| 2022 Subaru Crosstrek | +$680 a year | $2,930 a year |
| 2022 Honda CR-V | +$720 a year | $3,140 a year |
| 2022 Toyota RAV4 | +$730 a year | $3,190 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in North Dakota (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: North Dakota's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.