North Dakota variant. This is a North Dakota-specific version of the Auto Insurance Premium Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Auto Insurance Premium Estimator.
North Dakota's average annual auto insurance premium is $1,240 - well below the national average. Rates reflect state regulation, traffic density, weather, and uninsured-driver rates.
Why North Dakota auto premiums look the way they do
At $1,240/year ($103/month), North Dakota premiums are shaped by minimum-coverage laws, litigation environment, repair costs, and theft/accident frequency.
Your individual rate depends on driving record, vehicle, credit (where allowed), and coverage limits. The estimator above lets you adjust these to localize the North Dakota average.
About taxes and housing in North Dakota
North Dakota has one of the lowest top income tax rates in the country, with a top marginal rate around 2.5%.
North Dakota's effective property tax rate is near 0.98%, with median home values around $250,000.
North Dakota's economy is strongly tied to oil and gas production in the Bakken formation along with large-scale agriculture.
Worked example: monthly budget in North Dakota
The $1,240 state average works out to $103/month. A clean record and higher deductible can pull you below this; a recent claim or young driver pushes above it.
Quick reference
- State income tax: 1.95-2.5% across 3 brackets (lowest top rate)
- State sales tax: 5% (plus 1.97% avg local)
- Median home value: $250,000
- Median household income: $73,959
- Effective property tax rate: 0.98%
- Avg auto insurance: $1,240/yr
Frequently Asked Questions
What is the average car insurance cost in North Dakota?
About $1,240 per year, or $103 per month.
How can I lower my North Dakota premium?
Raise your deductible, bundle policies, maintain a clean record, and compare quotes - rates vary widely between insurers in North Dakota.