North Dakota Auto Insurance Calculator
Estimate your car insurance premium in North Dakota. The state average is $1,350/year — ranked #5 out of 50 states. Compare coverage levels and discover ways to save.
Compare Auto Insurance Rates
See how much you could save — free quotes in 60 seconds
Step 1 of 3
Enter your ZIP code to start
Your information is encrypted and secure. We never sell your personal data.
Step 2 of 3
What coverage are you looking for?
Step 3 of 3 — Final step
Where should we send your quotes?
By submitting this form, you provide express written consent to be contacted by licensed insurance agents at the phone number and email provided, including via automated calls/texts. This is not a condition of purchase. You may revoke consent anytime. Privacy Policy · Terms
✓
Quotes Are On Their Way!
$480+
Average annual savings when comparing quotes
We are opening a comparison tool where you can see real quotes from top carriers. A licensed agent may also follow up with personalized rates.
State FarmGeicoProgressiveAllstateUSAALiberty Mutual
🚗 Estimate Your North Dakota Car Insurance Premium
Annual Premium
—
Estimated total
Monthly Payment
—
Per month
vs. State Average
—
$1,350/yr avg
Coverage Breakdown
Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual |
|---|
📋 North Dakota Auto Insurance Requirements
North Dakota uses a No-fault insurance system, requiring Personal Injury Protection (PIP) coverage. This means your own insurance pays for your injuries regardless of who caused the accident.
| Coverage | Minimum Required | Recommended |
|---|---|---|
| Bodily Injury (per person) | $25K | $100K |
| Bodily Injury (per accident) | $50K | $300K |
| Property Damage | $25K | $100K |
| Personal Injury Protection (PIP) | Required | $10K+ |
| Collision | Not required | Yes (financed vehicles) |
| Comprehensive | Not required | Yes (financed vehicles) |
| Uninsured Motorist | Optional | $100K/$300K |
North Dakota's uninsured motorist rate is 6.1% — near the national average of 12.6%.
💰 How to Save on North Dakota Auto Insurance
- Bundle policies — Combine home and auto for 15-25% discount
- Raise your deductible — Going from $500 to $1,000 can save 15-20%
- Good driver discounts — North Dakota insurers reward clean driving records with up to 25% off
- Good student discount — Students with a B average or higher save 10-15%
- Low mileage discount — Drive under 7,500 miles/year for potential 5-15% savings
- Pay annually — Avoid monthly payment fees, saving $50-100/year
- Improve credit score — Better credit can reduce premiums by 20-40% in North Dakota
- Shop around — Compare at least 3-5 quotes. Rates vary significantly between insurers
📊 North Dakota Auto Insurance Facts
State Average Premium
$1,350
per year
Uninsured Drivers
6.1%
of motorists
Insurance System
No-fault
PIP required
❓ North Dakota Auto Insurance FAQ
What is the minimum auto insurance required in North Dakota?
North Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage in thousands). Personal Injury Protection (PIP) is also required. However, these minimums are often insufficient for serious accidents — most experts recommend at least 100/300/100.
How much does car insurance cost in North Dakota?
The average car insurance premium in North Dakota is approximately $1,350 per year ($113/month). Your actual rate depends on your age, driving record, vehicle, credit score, coverage level, and location within the state.
Is North Dakota a no-fault or at-fault state?
North Dakota is a no-fault insurance state. After an accident, your own insurance company pays for your medical expenses regardless of who caused the crash.
What is the uninsured motorist rate in North Dakota?
Approximately 6.1% of drivers in North Dakota are uninsured. This is below the national average of 12.6%, but uninsured motorist coverage is still recommended for protection.
Does North Dakota require full coverage?
No, North Dakota only requires liability insurance. However, if you have a car loan or lease, your lender will almost certainly require collision and comprehensive coverage ("full coverage"). Even if you own your car outright, full coverage is recommended for vehicles worth more than $5,000.
How can I get the cheapest car insurance in North Dakota?
To get the cheapest rates in North Dakota: compare quotes from at least 5 insurers, maintain a clean driving record, raise your deductible, bundle home and auto policies, ask about all available discounts (good student, low mileage, safe driver), and improve your credit score.