The average cost of car insurance in North Dakota ranges from $360 per year for 55-year-olds to $2,075 per year for 16-year-olds. North Dakota residents with a good driving record generally see their car insurance premiums drop around age 25, and average rates continue to fall as policyholders age. However, around age 65, you will likely start to see your rates increase again.
Average Cost of Car Insurance in North Dakota by Age
$2,075 per year
$440 per year
$398 per year
$384 per year
$360 per year
$381 per year
Note: Premiums are representative of a male driver with a minimum coverage policy and a clean driving record; individual premiums will vary.
Car insurance is cheapest around age 55, on average, according to WalletHub data. Middle-aged drivers with experience on the road are the least expensive to insure because they have the lowest accident and claims rates, especially compared to senior and teenage drivers, who are the most likely to be involved in car crashes. Overall, car insurance is cheapest for drivers aged 35-65.
Full coverage insurance in North Dakota costs an average of $282 per month. A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by North Dakota law. In North Dakota, liability insurance, uninsured motorist coverage, and personal injury protection are mandatory for all drivers.
Average Cost of Full Coverage Insurance in North Dakota
$155 per month
$54 per month
$168 per month
$40 per month
$168 per month
$47 per month
$180 per month
$66 per month
$185 per month
$36 per month
Note: Premiums are average rates for a good driver in North Dakota; individual premiums will vary.
How to Get Cheaper Full Coverage Insurance in North Dakota
Compare quotes from several companies to make sure you're getting the best deal.
Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
Don't forget to make sure you're getting all the discounts you can.
You can get car insurance discounts in North Dakota based on how you drive, the car you own, and your relationship with your insurance company. In North Dakota, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.