Average car insurance cost in North Dakota (2026)
Drivers in North Dakota pay an average of $114 a month for full coverage and $66 a month for liability only.
Full coverage / month
$114
Liability only / month
$66
Full coverage / year
$1,368
Liability only / year
$792
Cost rank
#45 of 51
1 = most expensive. Liability-only rank: #36.
Averages are a starting point. Estimate your cost in North Dakota
How North Dakota compares
The full-coverage average of $114 is 35% below the average across states ($174), and the liability-only average of $66 is 32% below the average across states ($98). North Dakota is one of the 10 least expensive places in our table. That is $187 a month below Maryland, the highest, and $29 above New Hampshire, the lowest.
Full coverage vs liability only in North Dakota
Full coverage costs $48 more per month than liability only in North Dakota, or $576 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to North Dakota by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| North Carolina | $113 | $69 | -$1 |
| Ohio | $117 | $65 | +$3 |
| Iowa | $111 | $56 | -$3 |
| Idaho | $107 | $64 | -$7 |
| Wisconsin | $125 | $57 | +$11 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the North Dakota averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $114 | $66 |
| Same driver, age 20-24 | $165 | $96 |
| Same driver, one ticket | $139 | $81 |
| Same driver, one at-fault accident | $162 | $94 |
| Same driver, sports car | $148 | $86 |
Frequently asked questions
How much does car insurance cost in North Dakota?
The average in North Dakota is $114 a month ($1,368 a year) for full coverage and $66 a month ($792 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in North Dakota expensive compared with other states?
North Dakota ranks 45th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 35% below the average across states of $174 a month.
How much more does full coverage cost than liability only in North Dakota?
On average, full coverage costs $48 more per month in North Dakota, or $576 more per year. That is 73% more than the liability-only average.
How much could an at-fault accident change an estimate in North Dakota?
With our illustrative 1.42 factor, a baseline full-coverage estimate in North Dakota rises from $114 to about $162 a month, or about $48 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.