Auto Insurance in North Dakota — Average Cost 2026
Average auto insurance in North Dakota: $1,380/year ($115/month). North Dakota ranks #11 out of 51 states — below the national average.
Average annual
$1,380
Average monthly
$115
National rank
#11
of 51 states
vs national avg
-22.5%
North Dakota vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in North Dakota
North Dakota sits 22% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in North Dakota tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save North Dakota drivers hundreds of dollars annually.