Are Auto Insurance Rates Rising in North Dakota?

Personal experience has taught many drivers that insurance rates commonly increase each year. But rate hikes aren't always the prevailing trend, and rate changes can be isolated to specific regions.

Location is among the primary rating factors used by insurance companies to set rates. The local area and state within which a car is stored and operated contribute to auto insurance prices — this comes down to state regulations and the variable risk associated with insuring a vehicle in a particular area.

Due to the multi-faceted nature of car insurance pricing, yearly pricing trends are different in every state. Auto insurance rates might be rising year-over-year in one state while they fall in a neighboring state.

See below trending auto insurance prices in North Dakota. If your policy isn't following your state's trend, consider looking for a new insurance option. The Zebra's car insurance comparison engine finds rates based on your individual profile — enter your ZIP below to get started.

Auto insurance rate trends in North Dakota

Average annual auto insurance premiums in North Dakota went up by $51 in the past year. The usual driver in North Dakota faces an average rate of $1,325 per year.

The trend in North Dakota leans toward more expensive car insurance. Between 2015 and 2018, rates went up by an average of $2 per year. Meanwhile, insurance rates across the nation as a whole have increased in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — North Dakota Yearly Change — North Dakota Avg. Annual Premium — USA Yearly Change — USA
2018 $1,325 $51 $1,470 $32
2017 $1,274 -$120 $1,437 $69
2016 $1,394 $71 $1,368 $88
2015 $1,323 $20 $1,280 $51
2014 $1,303 -$104 $1,229 $34
2013 $1,407 $79 $1,195 -$80
2012 $1,328 $89 $1,276 $82

If your rates are increasing faster than those in your state, consider shopping around for a better deal.

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How are auto insurance rates trending in the most populous cities in North Dakota?

Auto insurance policies are priced at the ZIP code level with many location-specific variables influencing premiums. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city. For example, Minot drivers endured a larger yearly rate increase (1.6%) than did drivers in Bismarck (1.0%) between 2018 and 2017.

The below table shows annual auto insurance rate changes in North Dakota's largest municipalities If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.

City Avg. Premium Increase — 2018 vs. 2017
Minot 1.6%
Bismarck 1.0%
Grand Forks 0.9%
Fargo 0.6%
Jamestown -0.1%

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.