Estimated result
$0 monthly paymentEducational estimate only. Actual loan, insurance, tax, and fee amounts vary.
North Dakota insurance cost table
| Annual average expenditure | $961.28 |
|---|---|
| Monthly average expenditure | $80 |
| Countrywide average | $1,438.46 |
| Difference from countrywide average | -33% |
How North Dakota compares
North Dakota is below the countrywide NAIC average by about 33%. This page uses that state average as a starting point, then lets you adjust vehicle value, coverage level, and driver profile.
That comparison does not mean every driver in North Dakota should expect the same bill. A driver in a dense metro area, a household with multiple vehicles, a new teen driver, or a policy with higher limits can land far away from the statewide average.
North Dakota rural mileage, winter, and no-fault factors
North Dakota quotes often depend on how and where the vehicle is used. A short Fargo commute, a Bismarck household vehicle, a rural pickup, and a driver covering long highway distances can each produce different risk assumptions even before coverage limits are selected.
The state also has a different coverage baseline than many states because minimum policies include liability, uninsured motorist, underinsured motorist, and basic no-fault benefits. Winter roads, wind, hail, animal collisions, and rural mileage make it important to compare more than the liability line item.
- County and garaging location, including differences between Fargo, Bismarck, Grand Forks, Minot, oil-field areas, small towns, and rural roads.
- North Dakota's required liability, uninsured motorist, underinsured motorist, and basic no-fault/PIP coverage.
- Winter driving exposure from snow, ice, wind, low visibility, extreme cold, and longer emergency response distances in rural areas.
- Comprehensive risks such as hail, wind, flooding, theft, fire, vandalism, falling objects, and animal collisions.
- Annual mileage, highway use, vehicle type, deductible, driving record, prior losses, and whether the vehicle is financed or leased.
North Dakota 25/50/25, UM/UIM, and PIP requirements
North Dakota requires liability coverage of 25/50/25, uninsured motorist coverage of 25/50, underinsured motorist coverage equal to uninsured motorist coverage, and basic no-fault/PIP of $30,000 per person. Collision and comprehensive are optional under state law, but lenders commonly require them and comprehensive is the coverage category that responds to many non-crash losses such as hail, theft, fire, vandalism, falling objects, and animal impacts.
If you are shopping for a financed vehicle in North Dakota, compare the loan payment and the insurance quote together. A vehicle that fits the payment target can become too expensive once full coverage, deductibles, and lender requirements are included.
North Dakota quote assumptions to check
Use the North Dakota average as a baseline, then check the details that can move your quote before treating it as a car-budget number.
- A minimum policy includes more than liability, so compare UM/UIM and PIP assumptions consistently.
- Rural mileage, oil-field travel, and long winter highway trips can change the risk profile.
- No-fault and uninsured motorist coverage do not repair your vehicle; physical damage needs collision or comprehensive.
How to get a cleaner North Dakota quote
Before comparing insurers, make the inputs match. Otherwise one quote may look cheaper only because it assumes lower limits, a higher deductible, or missing coverage.
- Use realistic annual mileage, especially for rural, farm, energy, or long-distance highway driving.
- Ask for deductible comparisons on comprehensive and collision if the vehicle is financed or parked outdoors.
- Confirm UM/UIM and PIP limits match across quotes before comparing prices.
States with similar average costs
| State | Annual average | Monthly average |
|---|---|---|
| Vermont | $957.80 | $80 |
| Idaho | $981.07 | $82 |
| Maine | $926.02 | $77 |
| Hawaii | $998.04 | $83 |
Methodology
Insurance values come from the NAIC 2023 Auto Insurance Database Average Premium Supplement average expenditure table. The calculator is not a quote. It applies simple multipliers to a state average so users can test scenarios before requesting actual insurer quotes.
North Dakota car insurance FAQ
What car insurance is required in North Dakota?
North Dakota requires 25/50/25 liability, 25/50 uninsured motorist coverage, underinsured motorist coverage equal to UM, and $30,000 basic no-fault/PIP per person.
Is North Dakota a no-fault state?
North Dakota requires basic no-fault coverage, also called PIP, which pays covered economic loss after an accidental injury without regard to fault.
Does North Dakota minimum coverage repair my own car?
Not usually. Liability, UM, UIM, and no-fault cover specific injury or third-party obligations; collision and comprehensive address many physical-damage claims on your own vehicle.
Sources for North Dakota insurance context
- North Dakota Insurance Department: auto
- Vision Zero North Dakota: statistics
- NOAA NCEI: North Dakota disaster summary
Related North Dakota calculators
North Dakota auto loan calculator, North Dakota affordability calculator, and total car cost calculator.