How much is car insurance in North Dakota?
In North Dakota, a full-coverage auto policy averaged $961 a year in 2023 (NAIC), 33% below the $1,439 national average (3rd lowest in the US), or about $1,140 a year in North Dakota today (about $95 a month as of August 2026). For North Dakota drivers, the law asks for at least 25/50/25 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $332 in 2023 (about $390 today).
What people pay in North Dakota: 3rd lowest average in the US
Typical North Dakota full-coverage price today
about $1,140 a year in North Dakota (about $95 a month)
North Dakota's 2023 NAIC full-coverage average ($961) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your North Dakota rate depends on your car, driving history, and coverage limits.
That $961 2023 full-coverage figure makes North Dakota the 3rd least expensive of the 50 states and DC (against $1,439 nationally), with 34% going to liability ($332, lowest in the US) and 66% covering physical damage to your own vehicle. NAIC also tracks North Dakota's average expenditure per insured vehicle—$808 in 2023 (lowest in the US, or about $960 today)—which sits 16% ($153) below North Dakota's full-coverage average because many North Dakota drivers drop collision or comprehensive on older cars.
What sample drivers pay across 5 North Dakota regions (NDISD, 2026)
The North Dakota Insurance & Securities Department's 2026 Auto Insurance Cost Comparison Survey (rates from January 1, 2026, six-month figures doubled to yearly across 23 companies) compares four cities and the remainder of the state. For a 30-year-old single woman driving a 2017 Acura TL with full coverage (Example #2), the median yearly quote ranges from $1,074 in Grand Forks to $1,308 in the remainder of the state.
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Remainder of State | 23 | $1,308 | $566–$2,416 |
| Bismarck / Mandan | 23 | $1,170 | $546–$2,550 |
| Minot | 23 | $1,122 | $566–$2,332 |
| Fargo | 23 | $1,108 | $476–$2,666 |
| Grand Forks | 23 | $1,074 | $488–$2,260 |
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Remainder of State | 23 | $2,148 | $898–$5,576 |
| Bismarck / Mandan | 23 | $2,490 | $878–$5,766 |
| Minot | 23 | $2,268 | $928–$5,388 |
| Fargo | 23 | $2,008 | $796–$5,068 |
| Grand Forks | 23 | $1,966 | $796–$5,472 |
These are sample rates for specific driver and vehicle examples in five North Dakota rating regions, not statewide averages. Source: North Dakota Insurance & Securities Department, 2026 Auto Insurance Cost Comparison Survey (rates from January 1, 2026 (six-month premiums doubled to yearly); checked September 22, 2026).
North Dakota costs less to insure than Minnesota, Montana, and South Dakota
A typical full-coverage policy in North Dakota ($961 in 2023) costs less than in all three bordering states. Among North Dakota's neighbors, South Dakota had the lowest 2023 average ($1,158, moving to North Dakota is about $260 less a year) and Minnesota had the highest ($1,223, moving to North Dakota is about $350 less a year).
| State | 2023 average | Moving to North Dakota from there |
|---|---|---|
| North Dakota | $961 | Current state (North Dakota) |
| Minnesota | $1,223 | About $350 less a year |
| Montana | $1,184 | About $300 less a year |
| South Dakota | $1,158 | About $260 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Vermont ($958 in 2023, about $1,140 today), Idaho ($981 in 2023, about $1,160 today), Maine ($926 in 2023, about $1,100 today), and Hawaii ($998 in 2023, about $1,180 today).
North Dakota: 25/50/25 minimums and no-fault PIP rules
- North Dakota liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in North Dakota
- Required
- Medical payments in North Dakota
- Not required
- No-fault system in North Dakota
- Yes
- Uninsured motorist in North Dakota
- Required
- Underinsured motorist in North Dakota
- Required
Set by N.D.C.C. 39-16.1-11, North Dakota's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in North Dakota, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
North Dakota is a no-fault state: after a crash, your own North Dakota policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in North Dakota—the closest NAIC figure to what a North Dakota minimum policy costs—averaged $332 in 2023 (about $390 in North Dakota today), the lowest of the 50 states and DC. That makes liability 34% of North Dakota's full-coverage average ($961), while the remaining 66% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- No 2024-2026 change found in the current NDCC chapter PDFs.
- Checked
- September 22, 2026
- Sources
- N.D.C.C. 39-16.1-11
twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- N.D.C.C. 26.1-41-02
shall continuously provide ... security for payment of basic no-fault benefits and the liabilities covered under the motor vehicle liability insurance
- N.D.C.C. 26.1-41-01(2), (21)
may not exceed thirty thousand dollars ... "Serious injury" means ... medical expenses in excess of two thousand five hundred dollars
- N.D.C.C. 26.1-40-15.2, 26.1-40-15.3
No motor vehicle liability insurance policy may be delivered ... unless uninsured motorist coverage is provided ... The insurer shall also provide underinsured motorist coverage at limits equal to the limits of uninsured motorist coverage.
- N.D.C.C. 39-16.1-11
Adding a 16-year-old driver in North Dakota: about $750 more a year
Adding a 16-year-old to a North Dakota policy
about $750 more a year
About $65 a month (+66% over a typical North Dakota adult policy of $1,140), bringing the combined North Dakota family policy to roughly $1,400–$2,500 a year.
On a separate North Dakota policy of their own with the same car, a 16-year-old in North Dakota would pay about $3,270 a year (roughly $2,500–$4,650), so sharing a parent's North Dakota policy saves about $2,520 a year. In North Dakota Insurance & Securities Department's 2026 sample survey (Example #6: 48-year-old single parent + 16-year-old occasional driver), the median company quote in Remainder of State is $2,148 a year ($898–$5,576).
Our teen-driver multipliers come from California's published age-rating filings scaled to North Dakota's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in North Dakota
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 on a North Dakota policy, versus about $1,130 more a year for the 2022 Tesla Model 3 at the top of North Dakota's list.
| 2022 model | Added to a North Dakota policy | Own North Dakota policy |
|---|---|---|
| 2022 Subaru Forester | +$670 in North Dakota | $2,920 in North Dakota |
| 2022 Subaru Outback | +$670 in North Dakota | $2,920 in North Dakota |
| 2022 Subaru Crosstrek | +$680 in North Dakota | $2,930 in North Dakota |
| 2022 Honda CR-V | +$720 in North Dakota | $3,140 in North Dakota |
| 2022 Toyota RAV4 | +$730 in North Dakota | $3,190 in North Dakota |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in North Dakota
In North Dakota, a 45-year-old with full coverage pays from about $1,270 a year for a 2024 Toyota Corolla Cross to about $1,860 for a 2024 Tesla Model 3 on these North Dakota sample models.
| Car | 45-year-old in North Dakota | Adding a teen in North Dakota |
|---|---|---|
| 2024 Ford Mustang | about $1,440 a year | +$950 a year |
| 2024 Tesla Model 3 | about $1,860 a year | +$1,230 a year |
| 2024 Hyundai Ioniq 5 | about $1,300 a year | +$860 a year |
| 2024 Toyota Corolla Cross | about $1,270 a year | +$840 a year |
| 2024 Nissan Altima | about $1,530 a year | +$1,010 a year |
| 2024 Nissan Versa | about $1,470 a year | +$970 a year |
| 2024 Nissan Kicks | about $1,340 a year | +$890 a year |
| 2024 Kia K5 | about $1,520 a year | +$1,000 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in North Dakota
- How much is car insurance in North Dakota?
- In North Dakota, full-coverage car insurance averaged $961 a year in 2023 (the 3rd least expensive of the 50 states and DC per NAIC), or about $1,140 a year ($95 a month) in North Dakota as of August 2026. North Dakota liability-only coverage averaged $332 in 2023 (34% of North Dakota's full-coverage figure, or about $390 today), and North Dakota drivers spent $808 per insured car across all policies.
- What are the minimum car insurance limits in North Dakota?
- Under N.D.C.C. 39-16.1-11, North Dakota requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. No 2024-2026 change found in the current NDCC chapter PDFs.
- How much does adding a 16-year-old teen driver cost in North Dakota?
- Adding a 16-year-old to a parent's full-coverage policy in North Dakota adds about $750 more a year ($65 a month), bringing the North Dakota household policy to roughly $1,400–$2,500 a year versus about $3,270 a year (roughly $2,500–$4,650) on a standalone North Dakota teen policy.
- Is North Dakota a no-fault car insurance state?
- Yes—North Dakota uses no-fault auto insurance rules, so your own North Dakota personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. $30,000 per person basic no-fault benefits (max $150/week work loss; $3,500 funeral)
- How do sample car insurance rates vary across North Dakota in North Dakota Insurance & Securities Department's 2026 survey?
- In North Dakota Insurance & Securities Department's 2026 rate comparison (Example #2: 30-year-old single female, 2017 Acura TL (full coverage)), the median company rate goes from $1,074 a year in Grand Forks ($488–$2,260) to $1,308 a year in Remainder of State ($566–$2,416).
Sources for North Dakota
- North Dakota average premiums ($961 full coverage, $332 liability-only, $808 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- North Dakota sample rate survey: North Dakota Insurance & Securities Department, 2026 Auto Insurance Cost Comparison Survey (checked September 22, 2026).
- North Dakota minimum coverage statutes (N.D.C.C. 39-16.1-11; N.D.C.C. 26.1-41-02; N.D.C.C. 26.1-41-01(2), (21); N.D.C.C. 26.1-40-15.2, 26.1-40-15.3), checked September 22, 2026. Page updated for North Dakota. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.