What is the average cost of car insurance in North Dakota?
North Dakotans paid an average of $844 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s less than what drivers nationwide pay — an average $1,204 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is required in North Dakota?
North Dakotans paid an average of $844 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s less than what drivers nationwide pay — an average $1,204 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
As of January 2023, 25/50/25 liability coverage limits are the minimum required in North Dakota.
COVERAGE TYPE
NORTH DAKOTA MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist bodily injury
$25,000 per person; $50,000 per accident
Personal injury protection
$30,000 per accident
COVERAGE TYPE
Bodily injury liability
NORTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
NORTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured/underinsured motorist bodily injury
NORTH DAKOTA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Personal injury protection
NORTH DAKOTA MINIMUM REQUIREMENTS
$30,000 per accident
What does car insurance typically cover in North Dakota?
A typical car insurance policy in North Dakota includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in North Dakota with a Farmers Flex Personal Auto policy.
North Dakota car insurance discounts
Farmers offers a variety of discounts for drivers in North Dakota. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in North Dakota.
Theodore Roosevelt National Park
North Dakota’s only national park is also the only one in the United States that’s named after a person. Teddy Roosevelt, the 26th president, ran a cattle ranch there, and its rugged badlands informed his conservationist views. — National Park Service
More coverage options in North Dakota
North Dakota home insurance
Learn more about what home insurance in North Dakota covers, available discounts and more.
View home insurance coverage details and discounts for North Dakota
Learn From Experience
Still have questions about cars and car insurance in North Dakota? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
