Full Coverage Car Insurance in North Dakota
Numbers refreshed
Liability, collision and comprehensive together, priced from the North Dakota averages.
- $90.the average monthly cost of full coverage.
- 25/50/25.the minimum liability limits.
- 48th of 51.the most expensive state (1st = highest).
How much full coverage costs in North Dakota
Full coverage adds collision and comprehensive to liability. Those two parts cost $705 a year in North Dakota, on top of the $372 liability average.
| 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).
The point where full coverage stops being worth it
If you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh its value against the $705 a year that extra cover costs. If a bad year of premiums would cover most of what the car is worth, liability only usually works out better
Full coverage for each car in North Dakota
These estimates are for an adult with a clean record and come from IIHS-HLDI loss results. Of the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $697 | $58 |
| Honda Pilot | $725 | $60 |
| Subaru Outback | $769 | $64 |
| Toyota RAV4 | $783 | $65 |
| Mercedes-Benz C-Class | $1,538 | $128 |
| Dodge Charger | $1,825 | $152 |
| Chevrolet Camaro | $1,845 | $154 |
| Dodge Challenger | $2,050 | $171 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written