North Dakota isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets North Dakota apart
No-fault PIP; low density keeps base rates among the lowest.
Minimum vs. full coverage in North Dakota
What each coverage level costs on the North Dakota average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $400 | $33 |
| Liability Only | $810 | $68 |
| Full | $1,480 | $123 |
| Full Low Deductible | $1,810 | $151 |
Minimum coverage saves about $1,080/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
North Dakota car insurance FAQ
- What's the minimum car insurance required in North Dakota?
- North Dakota's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $400/yr but leaves you exposed above those caps.
- How much is full coverage in North Dakota?
- Representative full coverage averages $1,480/yr (about $123/mo), ranking North Dakota #9 of 51 states for cost.
- Why is North Dakota car insurance priced the way it is?
- No-fault PIP; low density keeps base rates among the lowest.