North Dakota
- ~$30–$45
- ~$90–$115
- $25K/$50K/$25K
North Dakota offers some of the lowest car insurance rates in the nation, thanks to low population density, limited urban congestion, and relatively low accident rates. The state operates under a fault-based liability insurance system.
Find a local Auto Insurance agents in your town:
North Dakota Auto Insurance Facts *
Drivers
- ~430,000–450,000 licensed drivers as of 2023.
- ~92% household vehicle ownership.
- Predominantly pickups and SUVs used for rural driving.
- Uninsured motorist rate approximately 8%.
- Limited public transportation outside Bismarck and Fargo.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~7,500 | ~2,000 | 90 |
| 2019 | ~7,800 | ~2,100 | 85 |
| 2020 | ~7,000 | ~1,900 | 80 |
| 2021 | ~7,400 | ~2,000 | 88 |
| 2022 | ~7,600 | ~2,050 | 92 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
