Average Car Insurance Cost in North Dakota
Numbers refreshed
For North Dakota, NAIC provides average rates by coverage and each rate's national rank.
- Full coverage averages $1,078 a year.
- The minimum liability limits are 25/50/25.
- It’s the 48th most expensive of 51 states (1st = highest).
Average cost for each type of coverage in North Dakota
Annual full coverage costs in North Dakota average $1,078. This amount is 33% below the US yearly average of $1,613.
Per insured car, average spending was $808 in 2023 and $907 in 2024, a 12.3% increase.
| Coverage in North Dakota | Per year | Per month |
|---|---|---|
| Liability | $372 | $31 |
| Collision | $364 | $30 |
| Comprehensive | $341 | $28 |
| Full coverage (all three) | $1,078 | $90 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with North Dakota
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Wisconsin | 45th | $1,112 | $93 |
| New Hampshire | 46th | $1,103 | $92 |
| Idaho | 47th | $1,086 | $91 |
| North Dakota | 48th | $1,078 | $90 |
| Hawaii | 49th | $1,051 | $88 |
| Vermont | 50th | $1,040 | $87 |
| Maine | 51st | $1,000 | $83 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
A number of your own
Averages combine all ages and records. The North Dakota calculator adjusts for your age and record.
Additional car insurance information for North Dakota
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