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Car Insurance in North Dakota: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
North Dakota drivers pay about $1,804 a year for full coverage — roughly 33% below the national average. North Dakota is a no-fault state that requires PIP and uninsured/underinsured motorist coverage on top of a 25/50/25 liability minimum. Here's the coverage you must carry, what residents pay, and how to find a cheaper rate.
Avg. full coverage
$1,804/yr
≈33% below U.S. avg.
Avg. minimum coverage
$397/yr
≈53% below U.S. avg.
State minimum
25/50/25
+ PIP & UM/UIM required
Fault system
No-fault
PIP pays your injuries first
vs. U.S. average
−33%
Well below average
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Minimum coverage required in North Dakota
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $25k | Required |
| Personal injury protection | $30,000 | Required — North Dakota is a no-fault state |
| Uninsured / underinsured motorist | $25k / $50k | Required in North Dakota |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average North Dakota premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,804/yr | 33% below U.S. | Comp + collision included |
| Minimum coverage | $397/yr | 53% below U.S. | Includes PIP + UM/UIM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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North Dakota estimated rates by driver profile (2026)
Estimates anchor each profile to North Dakota's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,804/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,580/yr | +43% | 1,804 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,237/yr | +24% | 1,804 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,392/yr | +88% | 1,804 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$3,608/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$3,067/yr | +70% | 1,804 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
North Dakota: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 33% below the national average
- ✓Required PIP and UM/UIM make the minimum genuinely protective
- ✓Minimum coverage is among the cheapest nationally (~$397/yr)
- ✓Low traffic density keeps claim frequency down
Works against you
- ✗Harsh winters and hail raise collision and comprehensive claims
- ✗Credit history is a permitted rating factor
- ✗Required PIP/UM add to the cost of a minimum policy
- ✗Rural distances raise tow/repair costs
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A closer look at car insurance in North Dakota
North Dakota combines low premiums with strong default protection — required PIP and UM/UIM mean even a minimum policy covers your injuries and uninsured-driver risk. Winter weather makes collision and comprehensive coverage valuable, and full coverage costs little more than the minimum. With credit and location still affecting rates, a quick comparison keeps an already-low North Dakota premium competitive.
Bottom line
North Dakota is an affordable, no-fault state with strong protection built into the minimum. Carrying full coverage (cheap here) and comparing a few carriers is the best way to stay well-protected at a low price.
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Frequently asked questions about North Dakota car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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