North Dakota Auto Insurance Calculator 2026
Estimate your auto insurance premium in North Dakota (ND). North Dakota rates are 15% below the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
North Dakota Auto Insurance Overview
North Dakota drivers pay approximately 15% less than the national average for auto insurance. The state premium factor is 0.85x relative to the national baseline.
North Dakota Minimum Coverage Requirements
North Dakota requires minimum liability coverage of 25/50/25 ($25,000/$50,000 bodily injury, $25,000 property damage).
North Dakota requires Personal Injury Protection (PIP) with a minimum of $30,000.
North Dakota requires uninsured/underinsured motorist (UM/UIM) coverage.
Note: No-fault state; PIP and UM/UIM required
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