Car Insurance in North Dakota
Figures updated
North Dakota driver costs, legal minimum coverage and the cheapest insurers are covered here.
- $90.Average monthly cost for full coverage.
- 25/50/25.the lowest liability limits.
- 48th of 51.the most expensive state (1st = highest).
Car insurance prices in North Dakota
Drivers in North Dakota with full coverage pay an average of $1,078 each year, or about $90 monthly. The average annual premium for legal minimum coverage is $372. 33% below the yearly US average of $1,613.
| 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).
North Dakota legal minimum
North Dakota law requires at least 25/50/25 liability coverage. For each person hurt the limit is $25,000, for everyone hurt in one crash it's $50,000, and damage to other people's property is covered at $25,000.
North Dakota has a no-fault insurance system. Following a crash, your own policy covers your medical bills, whoever caused the crash.
Both uninsured and underinsured motorist cover are required.
Lowest-cost insurers listed in North Dakota's rate guide
Single female, 30, 2017 Acura TL, 10,000 mi/yr, clean record, excellent credit. The premiums listed are yearly rates taken from the state's own comparison guide.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Progressive | $476 | $40 |
| 2 | Progressive | $596 | $50 |
| 3 | National Farmers Union | $600 | $50 |
| 4 | Allstate | $726 | $60 |
| 5 | COUNTRY Preferred | $778 | $65 |
Source: North Dakota Insurance & Securities Department: 2026 Auto Insurance Cost Comparison Survey.
The number of uninsured North Dakota drivers
In 2023, about 11% of North Dakota drivers had no car insurance. This was the 37th highest share among the 51. If an uninsured driver hits you, your bills are paid by uninsured motorist cover.
More car insurance facts for North Dakota
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