Car insurance in North Dakota costs between $30 and $173 per month on average, depending on whether you carry minimum required coverage or a full coverage policy. Minimum required coverage averages approximately $354 per year, while full coverage averages around $2,079 per year, significantly below the national average. North Dakota is a no-fault state, which means your own Personal Injury Protection (PIP) insurance pays for your medical expenses after an accident, regardless of who caused it. Rates vary based on your driving record, age, location, credit score, and the insurer you choose. Comparing quotes from multiple carriers is the fastest way to find the lowest rate for your profile.
Car insurance isn’t free. But that doesn’t mean you need to forego the peace of mind that comes with good car insurance—not to mention, break the law.
North Dakota is a great place to live, and it’s also a great place to get affordable car insurance. Keep reading for a guide to all things auto insurance in the Rough Rider State, from coverage options to average cost, and more.
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North Dakota law requires all drivers to carry four types of car insurance before operating a vehicle. North Dakota is a no-fault state, which means PIP coverage is mandatory in addition to standard liability and uninsured motorist coverage.
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury Liability (per person) | $25,000 | Medical costs you cause to one person in an accident |
| Bodily Injury Liability (per accident) | $50,000 | Total medical costs you cause to all people in one accident |
| Property Damage Liability (per accident) | $25,000 | Damage you cause to another person's vehicle or property |
| Personal Injury Protection / PIP (per person) | $30,000 | Your own medical costs after any accident, regardless of fault |
| Uninsured Motorist Bodily Injury (per person) | $25,000 | Your injuries if hit by an uninsured driver |
| Uninsured Motorist Bodily Injury (per accident) | $50,000 | Total injuries to you and passengers from an uninsured driver |
Source: insurance.nd.gov
Note: Rates are based on averages and may not reflect your specific profile.
When it comes to car insurance, you’ve got your pick of coverage options in ND. There’s a coverage level to fit all drivers and budgets. Do all you have to do? Understand your options and choose what fits best for you.
Here are some of the main coverage options to choose from:
These are the main buckets of coverage North Dakotans build out their policy with, but you can also spice it up by adding even more coverage. These are called riders, or endorsements, and they vary by provider. Some common options include:
These are just some examples of common car insurance riders in North Dakota, but there are even more to be found. Use riders to supplement your coverage—or don’t! The choice is yours.
North Dakota operates under a no-fault insurance system. This is an important distinction from most states, and it directly affects your required coverage and how you file claims after an accident.
In a no-fault state, after a car accident your own Personal Injury Protection (PIP) insurance pays for your medical expenses and lost wages, regardless of who was at fault. This applies to you and your passengers. You do not need to prove fault or wait for the other driver’s insurance to respond to receive medical compensation.
However, no-fault rules in North Dakota only apply to bodily injury. Vehicle damage claims are still handled through the at-fault driver’s property damage liability coverage.
To file a personal injury lawsuit against the at-fault driver in North Dakota, your accident-related medical expenses must exceed $2,500, or you must have suffered a permanent or serious disability lasting more than 60 days.
| Coverage Type | Avg. Monthly Cost Range | Avg. Annual Cost Range |
|---|---|---|
| Minimum Coverage (Liability + PIP + UM/UIM) | $28 - $35 | $336 - $420 |
| Full Coverage (Liability + Collision + Comprehensive + PIP) | $103 - $175 | $1,238 - $2,100 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
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| Insurance Company | Est. Annual Full Coverage Range | Est. Annual Min. Coverage Range |
|---|---|---|
| American Family | $1,238 - $1,450 | $164 - $260 |
| USAA (military/veterans only) | $1,088 - $1,300 | $215 - $290 |
| Nationwide | $1,250 - $1,500 | $230 - $340 |
| Progressive | $1,300 - $1,600 | $250 - $380 |
| State Farm | $1,400 - $1,700 | $270 - $400 |
| Allstate | $1,500 - $1,900 | $300 - $450 |
| Farmers | $1,450 - $1,800 | $280 - $420 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Several personal and vehicle factors determine what you pay for car insurance in North Dakota:
| City | Est. Annual Full Coverage Range |
|---|---|
| Fargo | $1,500 - $1,800 |
| Bismarck | $1,400 - $1,650 |
| Grand Forks | $1,300 - $1,550 |
| Minot | $1,350 - $1,600 |
| West Fargo | $1,300 - $1,500 |
| Williston | $1,400 - $1,700 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
North Dakota presents some unique driving and insurance considerations that are worth accounting for when choosing your coverage:
Everyone can afford to save on car insurance. We pulled together our tried-and-true tips for saving up to 30% on your car insurance, because who doesn’t want that?
Here’s how to find savings on your car insurance rates:
No one turns down savings on their car insurance. But are you willing to work a little to get those savings? These tips can save you as much as 30% on your car insurance, putting more money back in your pocket to do what you love. Whether that’s exploring the national parks, driving along the Enchanted Highway, or hunting and fishing, you deserve to save on your car insurance.
Tip: North Dakota has a small but growing presence of immigrants. If that’s you and you’re exploring your car insurance options, go ahead and grab this free insurance guide for new immigrants to the U.S. for even more helpful tips and info.
Now that you’re armed with all of the information you need to get quality coverage at a rate you can afford, it’s time to find your new car insurance policy. Your first step is to shop around, because taking the first quote you get is leaving money on the table (and we can’t have that!).
This is why we made it even easier on you. Just click here and get access to free quotes fast. When it matters, we’ve got you covered.
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North Dakota drivers pay an average of $28 to $175 per month for car insurance, depending on coverage level and driver profile. Minimum required coverage averages around $30/month, while full coverage averages approximately $103 to $173/month for a typical 40-year-old driver with a clean record.
Yes. North Dakota is a no-fault state. This means your own Personal Injury Protection (PIP) insurance pays for your medical expenses and lost wages after a car accident, regardless of who caused it. North Dakota requires a minimum of $30,000 in PIP coverage per person. No-fault rules apply to bodily injury only; vehicle damage claims still go through the at-fault driver’s liability coverage.
North Dakota requires all drivers to carry: $25,000/$50,000 bodily injury liability, $25,000 property damage liability, $30,000 per person in Personal Injury Protection (PIP), and $25,000/$50,000 in uninsured/underinsured motorist coverage. This makes North Dakota’s minimum requirements more comprehensive than most states due to mandatory PIP.
American Family offers some of the lowest full coverage rates in North Dakota, averaging around $1,238 per year. USAA is cheaper but only available to military members, veterans, and their families. Nationwide and Progressive are also consistently competitive. Rates vary by driver profile, so always compare multiple quotes.
PIP stands for Personal Injury Protection, also called no-fault insurance. It pays for your medical expenses, rehabilitation costs, and lost wages after a car accident, regardless of who was at fault. North Dakota requires a minimum of $30,000 per person in PIP coverage. Because North Dakota is a no-fault state, PIP ensures you receive medical compensation quickly without having to wait for fault to be determined.
A DUI conviction in North Dakota can raise your car insurance premium by 40-80% or more on average. You will likely also be required to file an SR-22 certificate with the North Dakota DOT and may need to maintain it for up to three years. After a DUI, shopping specifically for high-risk or non-standard auto insurance carriers is recommended.
Yes. North Dakota allows insurers to use credit-based insurance scores when calculating premiums. Drivers with poor credit can pay significantly more than drivers with good credit for the same coverage. Improving your credit score over time can meaningfully reduce your car insurance costs.
Driving without insurance in North Dakota is a Class B misdemeanour. Penalties include a minimum fine of $150, up to 14 points on your driving record, possible license suspension, and a requirement to file an SR-22 financial responsibility certificate. Additionally, under North Dakota’s ‘no pay, no play’ law, uninsured drivers who are injured may be barred from recovering non-economic damages from an at-fault driver.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
