How Much Does Car Insurance Cost on Average in North Dakota?

The Zebra
Nov. 12, 2018

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.


Find an affordable policy today!



Common North Dakota car insurance costs by:


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

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 more risky.

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.


NORTH DAKOTA CAR INSURANCE COSTS BY AGE
AgeAverage 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.


NORTH DAKOTA AUTO INSURANCE RATES FOR WOMEN VS. MEN
GenderAverage 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.


NORTH DAKOTA CAR INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage 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 . 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:


NORTH DAKOTA CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage 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.


NORTH DAKOTA AUTO INSURANCE RATES AFTER TICKETS
AgeAverage 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.


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