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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Auto insurance is relatively cheap in North Dakota. The average auto insurance rate in North Dakota is $1,230 per year — 13.8% less than the US average.

Your car insurance prices are impacted by more than just geography. Auto insurance rates take into account myriad details, such as your age, credit rating, driving history, gender, and marital status.

We examined typical North Dakota car insurance prices by each of the primary rating qualifications. See below how much car insurance costs in your state — or submit your zip code to receive personalized prices from top car insurers.


Common North Dakota car insurance costs by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level


Average Auto Insurance Rates in North Dakota by Age Bracket

It's unavoidable: as you age, your auto insurance expenditures shift. As a general rule, car insurance is pricier for young drivers and teens, as insurers see newer motorists as riskier.

In North Dakota, auto insurance costs $6,197 annually for a 16-year-old motorist, but just $1,053 per annum for a driver aged from 50 to 60.

Age Average Yearly Premium
16 $6,196.82
17 $4,899.24
18 $4,542.02
19 $2,840.35
20s $1,705.23
30s $1,219.95
40s $1,158.04
50s $1,052.63
60s $1,059.84
70s $1,268.61

If you're shopping for car insurance for a teen driver, North Dakota is the 23rd cheapest state in which to buy auto insurance for a 16-year-old.



Average Auto Insurance Premiums in North Dakota by Gender

While gender doesn’t have as significant an effect on car insurance rates as state or age, it is used as a rating factor by insurance companies.

Gender Average Annual Cost
Male $1,233.28
Female $1,219.97

If you think you aren't getting the best possible value for your money with your current auto insurance company, the best thing to do is to compare insurance companies.



Mean Auto Insurance Rates in North Dakota by Marital Status

One pro of getting hitched — aside from the honeymoon — is the lower rates you often earn on insurance. In North Dakota, married drivers save $74 per year on auto insurance. This is less than the national savings of $76.

Marital Status Average Annual Rate
Single $1,233.28
Married $1,159.50
Divorced $1,233.28
Widowed $1,203.78

Auto insurance for divorced drivers in North Dakota is the 32nd most expensive in the US. If you feel like you're being overcharged for your policy, don't hesitate to shop around. It never hurts to see what's out there!



Average Auto Insurance Prices in North Dakota by Credit Score

Car insurance underwriters rely on credit history to predict how responsible a customer will be. Data demonstrate drivers who carry superior credit are more dependable auto insurance clients: they less commonly file claims that insurance companies must repay.

In the state of North Dakota, a car insurance client boasting unblemished credit saves $1,236.33 per year in auto insurance premiums, contrasted with a driver who has a poor credit history. Learn more about how credit score can impact car insurance expenditures:

Credit Level Average Annual Rate
Very Poor (300-579) $2,291.67
Fair (580-669) $1,913.07
Good (670-739) $1,551.93
Very Good (740-799) $1,290.37
Exceptional (800-850) $1,055.34

Finding inexpensive car insurance with a bad credit history can be difficult. But we're here to help. Review our tips on finding car insurance with poor credit and start saving!



Median Car Insurance Costs for High-Risk Motorists in North Dakota

If you are defined as at fault in a driving incident or found guilty of a driving infraction, your car insurance rates are going to grow. The more offenses you accrue, the more costly your car insurance policy gets.

In North Dakota, your first minor at-fault crash will cost $537.69 each year in car insurance premiums. A DUI — considered one of the most serious vehicular violations — may grow your annual insurance expenditure in North Dakota by an average of $772.93.

Age Average Yearly Rate
DUI or DWI $2,003.27
Reckless Driving $1,944.25
At-Fault Accident (<$1,000) $1,768.03
At-Fault Accident ($1,000-$2,000) $1,655.12
At-Fault Accident (>$2,000) $1,768.03
Open Container $1,694.37
Speeding (21-25 MPH > limit) $1,816.90
Speeding (16-20 MPH > limit) $1,816.90

If you're facing above-average car insurance costs, it's worth shopping to find affordable insurance coverage that suits you.



Typical Auto Insurance Premiums by Coverage Amount in North Dakota

The amount you are charged every month for auto insurance depends on the level of coverage you maintain. A liability-only policy typically is less costly, while lower-deductible comprehensive coverage costs more. In North Dakota, the rate gap between liability-only coverage and comprehensive coverage with a $500 deductible is $859.

Coverage Level Average Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only $397
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,045
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,213
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $367
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,039
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,212
State Minimum — Liability Only $345
State Minimum — $1,000 Comprehensive/Collision $1,028
State Minimum — $500 Comprehensive/Collision $1,204

If you're tired of dealing with expensive car insurance, consider policy shopping to get inexpensive coverage that meets state regulations.


Compare car insurance rates side-by-side!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.