🚗 Car insurance cost in North Dakota (2026)
The estimated average is $1,828 per year — below the national average (-15% vs. the U.S. average of $2,150).
North Dakota is home to about 0.8 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Fargo typically differ from smaller towns.
Estimate your car insurance in North Dakota
North Dakota car insurance estimator
Starts from the North Dakota average. Estimate only — get quotes to confirm.
Car insurance cost in North Dakota cities
| City | Population | Est. car insurance |
|---|---|---|
| Fargo | 133,181 | $1,828 |
| Bismarck | 74,138 | $1,755 |
| Grand Forks | 59,166 | $1,755 |
North Dakota car insurance FAQ
How much is car insurance in North Dakota?
The estimated average car insurance in North Dakota is $1,828 per year, which is below the national average (-15% vs. the U.S. average of $2,150). North Dakota ranks 39 of 51 states from most to least expensive.
Why is car insurance cheaper in North Dakota?
Car insurance pricing in North Dakota reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Midwest.
How can I save on car insurance in North Dakota?
Compare at least three quotes from insurers active in North Dakota, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.