Car Insurance in North Dakota

Average car insurance cost in North Dakota

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $332 for liability, $320 for collision and $309 for comprehensive ($961 combined, versus $1,439 nationally). That average expenditure is 11% higher than the NAIC's previous data year ($729). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.

Minimum car insurance requirements in North Dakota

North Dakota's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $400 a year here, $125 more than the minimum.

Is North Dakota a no-fault state?

Yes. North Dakota is a no-fault state: no-fault coverage pays first regardless of fault, and you can sue for noneconomic loss only for a serious injury, such as medical expenses over $2,500, disability beyond 60 days, serious permanent disfigurement, dismemberment or death.

In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.

No-fault vs. at-fault explained

Uninsured drivers in North Dakota

The Insurance Research Council estimates 10.6% of North Dakota drivers are uninsured — 37th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 9 on the road. North Dakota requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.

SR-22 requirements in North Dakota

North Dakota uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 1 years. After suspensions for offenses such as DUI or driving without insurance, NDDOT requires SR-22 proof of future financial responsibility for one year.

By our model, a driver in their 30s with a DUI would pay about $535 a year for minimum coverage in North Dakota, versus $275 with a clean record. What is SR-22 insurance?

Car insurance by city in North Dakota

We cover 8 North Dakota cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Williston ($1,110) and the highest in West Fargo ($1,195).

Estimated cost by driver profile in North Dakota

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in North Dakota.

By coverage level

Cheapest and most expensive cars to insure in North Dakota

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,690 a year here.

Cheap car insurance in North Dakota: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $90 a year on a typical North Dakota full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $745 to $400.
• Drive less, pay less. Low-mileage and usage-based programs can save around $70 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $225 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: North Dakota Insurance and Securities Department

The North Dakota Insurance and Securities Department licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

www.insurance.nd.gov

File a complaint

Consumer complaint page

Consumer helpline

1-701-328-2440

Homeowners insurance in North Dakota →

North Dakota vs. neighboring states