Car Insurance in North Dakota
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Introduction: Car Insurance in North Dakota
North Dakota has over 550,000 licensed drivers, making car insurance a crucial requirement for residents. Whether you’re commuting in Fargo, driving through Bismarck, or traveling across rural highways, car insurance in North Dakota is legally required and ensures financial protection.
North Dakota has some of the lowest car insurance rates in the country. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in North Dakota is $1,225, which is well below the national average of $1,674.
North Dakota Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/25 Rule)
According to the North Dakota Insurance Department (NDID), drivers must carry at least: ✔ $25,000 for bodily injury per person ✔ $50,000 for bodily injury per accident ✔ $25,000 for property damage per accident ✔ Uninsured/Underinsured Motorist Coverage (UM/UIM): Minimum $25,000 per person / $50,000 per accident ✔ Personal Injury Protection (PIP): Minimum $30,000 per personWhy Minimum Coverage May Not Be Enough:
- Medical bills from an accident can exceed $25,000 per person.
- Vehicle repair costs often surpass $25,000, especially for newer models.
- North Dakota has harsh winter weather, increasing the risk of accidents.
Recommended Full Coverage for Better Protection
Many North Dakota drivers opt for full coverage, which includes:| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Essential due to North Dakota’s harsh winters and hailstorms |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Important for financial security |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers without health insurance |
Average Cost of Car Insurance in North Dakota
Car insurance rates in North Dakota vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Car Insurance Costs by Major North Dakota Cities
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $554 |
| Full Coverage | $1,225 |
Car Insurance Costs by Major Oklahoma Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Fargo | $740 | $1,500 |
| Bismarck | $720 | $1,450 |
| Grand Forks | $700 | $1,420 |
| Minot | $710 | $1,430 |
| West Fargo | $720 | $1,460 |
| Dickinson | $700 | $1,420 |
| Mandan | $690 | $1,400 |
| Jamestown | $680 | $1,380 |
| Williston | $710 | $1,440 |
| Wahpeton | $680 | $1,380 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16–19 Years | $3,200 – $5,000 | $6,000 – $8,000 |
| 20–24 Years | $1,700 – $2,600 | $3,600 – $4,800 |
| 25–34 Years | $1,000 – $1,700 | $2,600 – $3,600 |
| 35–44 Years | $900 – $1,500 | $2,400 – $3,400 |
| 45–54 Years | $850 – $1,400 | $2,200 – $3,200 |
| 55+ Years | $800 – $1,300 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in North Dakota
Several factors influence car insurance rates in North Dakota, including:
- Severe Weather Risks: Snowstorms, ice, and hail increase accident risks.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact rates.
- Location: Urban areas like Fargo and Bismarck have higher rates due to congestion and theft.
- Credit Score: North Dakota insurers use credit history to determine premiums.
- Annual Mileage: Higher mileage increases accident risk and premiums.
- Vehicle Type: Luxury and high-performance vehicles cost more to insure.
- Wildlife Collisions: North Dakota has one of the highest rates of deer and wildlife-related accidents in the U.S.
Best Car Insurance Companies in North Dakota (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,200 |
| State Farm | Best for Customer Service | $1,250 |
| Progressive | Best for High-Risk Drivers | $1,400 |
| Allstate | Best Full Coverage Options | $1,550 |
| USAA (Military Families) | Lowest Rates for Military | $1,150 |
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FAQs
North Dakota law requires 25/50/25 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage.
The average minimum coverage costs around $46 per month, while full coverage averages $102 per month.
Smaller cities like Jamestown and Wahpeton tend to have lower rates compared to Fargo and Bismarck.
Yes, North Dakota requires uninsured motorist coverage of at least $25,000 per person/$50,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.