What's the Average Cost of Car Insurance in North Dakota?

The Zebra
Oct. 11, 2018

Car insurance is inexpensive in North Dakota. The average car insurance premium in North Dakota is $1,230 per year — 13.8% less than the US average.

Your auto insurance costs are affected by factors aside from geography. Auto insurance rates consider an array of factors, such as your age, gender, marital status, credit rating, and driving history.

We examined average North Dakota auto insurance rates by each of the most common pricing factors. See below how much car insurance costs in each US state — or submit your zip code to view personalized prices from popular car insurance companies.


Mean Auto Insurance Prices in North Dakota by Age Group

It’s a fact of life: as you age, your car insurance rates shift. Typically, auto insurance is pricier for teenage drivers, as car insurers see inexperienced drivers as less responsible.

In North Dakota, car insurance costs $6,197 per year for a 16-year-old driver, but just $1,053 yearly for a driver in his or her 50s.


NORTH DAKOTA CAR INSURANCE PRICES BY AGE
Age Average Yearly Rate
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



Average Auto Insurance Premiums in North Dakota by Gender

While gender does not carry as significant an impact on auto insurance rates as location or age, it is used as a pricing factor. Women pay less than do men for car insurance in North Dakota, but the gap is just $13.31 annually.

NORTH DAKOTA CAR INSURANCE RATES BY GENDER
Gender Average Annual Cost
Male $1,233.28
Female $1,219.97



Mean Car Insurance Rates in North Dakota by Marital Status

One benefit of getting married — in addition to the honeymoon — is the price cut you may receive on your auto insurance. In North Dakota, married motorists save $74 per year on auto insurance policies. This is a smaller discount than the national mean of $76.


NORTH DAKOTA CAR INSURANCE PRICES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,233.28
Married $1,159.50
Divorced $1,233.28
Widowed $1,203.78



Average Car Insurance Rates in North Dakota by Credit Score

Auto insurance underwriters use credit score as a prediction of how reliable a customer will be. Historical data show motorists who maintain excellent credit histories are more insurable car insurance customers: they less commonly file claims insurance companies have to cover.

In North Dakota, a driver with exceptional credit saves $1,236.33 each year on car insurance rates, versus a driver saddled with a poor credit score. Read more about how credit may impact car insurance outlays:


NORTH DAKOTA CAR INSURANCE RATES BY CREDIT TIER
Credit Tier 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



Average Car Insurance Costs for Bad Drivers in North Dakota

If you've been defined as to be at fault for a crash or found guilty of an on-road infraction, your insurance premiums are bound to rise. The more violations you accumulate, the more expensive your auto insurance gets.

In North Dakota, your first minor at-fault accident leads to an additional $537.69 annually in car insurance premiums. A DWI — thought of as one of the most serious driving offenses — will increase your yearly insurance rates in North Dakota by an average of $772.93.


NORTH DAKOTA CAR INSURANCE RATES AFTER DRIVING OFFENSES
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 are looking for a better deal on auto insurance, consider shopping to find affordable coverage that covers your vehicle appropriately.


Find an affordable policy today!

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