Auto Insurance in North Dakota
The average car insurance cost in North Dakota is $1,290 per year for full coverage. North Dakota requires minimum liability coverage of 25/50/25. The state's uninsured driver rate is 5.9%, which is below the national average of 12.6%.
Top auto insurers in North Dakota: State Farm, GEICO, Nodak Insurance. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in North Dakota
Homeowners insurance in North Dakota averages $1,750 per year for $300,000 in dwelling coverage. This is below the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the Midwest region.
Health Insurance in North Dakota
The average individual health insurance premium in North Dakota is approximately $540/month before subsidies through the ACA marketplace. Many North Dakota residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
North Dakota requires all drivers to carry minimum liability insurance of 25/50/25. This means: $25,000 per person for bodily injury, $50,000 per accident total for bodily injury, and $25,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in North Dakota
The largest and most popular insurance companies in North Dakota include:
- State Farm — Market leader in North Dakota
- GEICO — Competitive rates and strong service
- Nodak Insurance — Popular choice with good coverage options