The countrywide average auto premium is about $1,258/year (NAIC, 2022). North Dakota ranks among the 10 least expensive states for auto insurance.
Est. State Avg (illustrative)
$1,250
Minimum Coverage
$25K/$50K/$25K
Uninsured Driver Rate
7.9%
Uninsured driver rate: Insurance Research Council (IRC) 2022 estimates (published 2023), via the Insurance Information Institute. National average: 14.0%.
No free public authority publishes a reliable city-by-city average premium, so we don’t invent one. What is verifiable: the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and by the NAIC’s 2021 average-expenditure data, north Dakota ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — always compare quotes from several insurers.
North Dakota requires all drivers to carry minimum liability insurance of 25/50/25 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
North Dakota is a no-fault state requiring all drivers to carry Personal Injury Protection coverage. The state consistently ranks among the lowest-cost auto insurance states in the country, reflecting its low population density, modest claims frequency, manageable litigation environment, and competitive insurance market. North Dakota's required minimums of 25/50/25 are standard, and the state requires uninsured motorist coverage, providing solid baseline protection for all drivers.
North Dakota's primary vehicle risks are tied to its severe winter weather and significant wildlife collision exposure. Long winters with heavy snow and ice create elevated accident frequency during the extended cold season. Deer and other wildlife regularly cross roads, particularly at dawn and dusk during fall migration periods. Comprehensive coverage is important for North Dakota drivers given both the wildlife collision risk and the potential for hail damage during summer storm season on the open plains.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
No free authority publishes a precise North Dakota average, so treat any single number as a ballpark. For national context, the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and north Dakota ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — compare quotes from several insurers.
North Dakota requires at least $25K/$50K/$25K in liability coverage to drive legally. These minimums are often not enough to cover a serious accident, so many drivers carry higher limits — a common recommendation is 100/300/100.
An estimated 7.9% of drivers in North Dakota are uninsured. Because of that, adding uninsured/underinsured motorist coverage is worth considering — it protects you if an at-fault driver has no insurance or too little.
Compare quotes from at least five insurers, bundle auto with home or renters, raise your deductible, and claim every discount you qualify for (safe driver, good student, low mileage). For the same coverage, premiums in North Dakota can differ by $500–$1,500 between carriers.
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.