The average monthly cost of full coverage car insurance in North Dakota is $1,264 per year, an outstanding deal compared to the national average of $1,674. The state-required minimum liability auto insurance is similarly cheap at $285 per year, compared to the national average of $565.
Insurers use many factors to calculate premiums, including your age, gender, driving record, and other assorted items, such as car insurance discounts. Rates also vary between cities and rural areas. Since rural areas tend to see fewer auto insurance claims from wrecks and crime, rates there are often the cheapest car insurance in North Dakota.
What Is the Average Premium in North Dakota for Cheap Full Coverage Car Insurance?
The average annual full coverage car insurance cost in North Dakota is $105 per month.
This insurance consists of liability, plus comprehensive car insurance and collision auto insurance.
We highly recommend seeking collision and comprehensive insurance, which offers added protection against vehicle-to-vehicle collisions and damage due to a non-accident incident, respectively.
Outside of collision and comprehensive insurance, you may also decide to go for other types of car insurance that offer more protection, including guaranteed asset protection (GAP) insurance (good if your newer vehicle gets stolen), roadside assistance, and other optional car insurance coverages that offer greater peace of mind.
How Much Is It for Cheap Liability Insurance or the Minimum Required Car Insurance in North Dakota?
The cost for the minimum required car insurance in North Dakota is a paltry $24 per month, which pays for a minimum of $25,000 per person (bodily injury/death liability insurance), a minimum of $25,000 per accident (bodily injury/death liability insurance), and $25,000 in property damage liability insurance.
Note: The minimum required liability car insurance rates vary between people and cities. Cities with a larger population typically pay higher premiums than sparsely populated cities. Another key factor in determining auto insurance premiums is age, with younger drivers paying more on average than older drivers due to a higher risk profile.
How Do Rates Compare Across Major Cities in North Dakota?
Different cities in North Dakota pay different rates. Each city offers a risk profile to the insurer, more or less depending on the number of claims, moving violations, and demographic composition of the area.
Check out the table below to see what drivers in five North Dakota cities pay in a monthly average of car insurance.
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.