Cheap Car Insurance in North Dakota
North Dakota drivers pay an average of $1,325/year for auto insurance — $464 below the national average. Compare quotes and save.
How North Dakota stacks up
At $1,325 per year for full coverage, North Dakota drivers pay 26% less than the national average of $1,789. No-fault state with $30k PIP. Low population density helps keep base rates moderate.
Premiums vary widely within North Dakota based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in North Dakota
Bodily injury liability
25/50 (in $thousands)
Property damage liability
$25,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your North Dakota car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- No-fault state with $30k PIP. Low population density helps keep base rates moderate.
North Dakota insurance FAQ
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