Published car-insurance premium data for North Dakota (2026)
The lowest single filed rate anywhere in this survey is $111 and the highest is $2,883 — 26.0× apart, for defined hypothetical drivers.
North Dakota Insurance & Securities Department · rates effective 1 January 2026 · six-month premiums · 1,255 filed rates · retrieved 9 August 2026 · source document
- Driver profiles published
- 12
- Regions published
- 5
- Filed rates behind these pages
- 1,255
- Policy term
- six-month
What ND Insurance Department publishes, and why it looks like this
The North Dakota Insurance Department surveys the companies covering the large majority of policies in the state and publishes 12 worked examples across 5 regions, including a rideshare example that few other states rate at all.
Premiums are for a six-month term. Sample sizes vary sharply between examples: most companies quote the ordinary good-driver examples and far fewer quote the higher-risk and rideshare ones, so the count of filed rates travels with every figure on this site. A distribution built from fourteen companies is a weaker claim than one built from twenty-three, and the pages say which is which.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with North Dakota Insurance & Securities Department for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Premiums are six-month payments, as published. Examples 1-8: bodily injury liability $100k/$300k, property damage liability $50,000, uninsured motorist $100k/$300k, underinsured motorist $100k/$300k, basic personal injury protection $30,000. Examples 9-12: bodily injury liability $25k/$50k, property damage liability $25,000, uninsured motorist $25k/$50k, underinsured motorist $25k/$50k, basic personal injury protection $30,000. Comprehensive and collision deductibles vary by example and are given in each example definition; the examples marked liability-only carry no physical-damage cover. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile ND Insurance Department publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Example #1: Single Male, Age 23. Single Male, Age 23. Drives 2017 Ford F150 XLT 4X4 (VIN #: 1FTEW1EF4H) 4 miles each way to work, 5 days per week. Annual mileage… | 5 | $311 | $704–$821 | $1,847 |
| Example #2: Single Female, Age 30. Single Female, Age 30. Drives 2017 Acura TL (VIN #: 19UUB2F56H) 4 miles each way to work, 5 days per week. Annual mileage =… | 5 | $238 | $537–$654 | $1,333 |
| Example #3: Married Couple, both age 35. Married Couple, both age 35. Husband drives 2016 Dodge Ram 4X4 1500 (VIN #: 3C6RR7LT8G) 5 miles each way to work, five days per… | 5 | $182 | $699–$828 | $1,499 |
| Example #4: Married couple, both age 65 and retired. Married couple, both age 65 and retired. Husband drives 2020 Ford F-150 Lariat pickup(VIN #: 1FTEW1E47L). Annual mileage =… | 5 | $268 | $711–$866 | $1,611 |
| Example #5: Married couple ages 46 & 44 with Youthful Driver. Married couple ages 46 & 44 with Youthful Driver. Husband, age 46, drives 2015 Chevrolet Silverado pickup (VIN #: 3GCUKSEC3F) to… | 5 | $311 | $1,044–$1,138 | $2,490 |
| Example #6: Single Female, Age 48 with Youthful driver. Single Female, Age 48 with Youthful driver. Drives 2017 Buick LaCrosse (VIN #: 1G4ZR5SS9H) to work 3 miles each way, five days… | 5 | $398 | $983–$1,245 | $2,883 |
| Example #7: Single Female, Age 72. Single Female, Age 72. Drives 2016 Lincoln MKS (VIN #: 1LNHL9EKXG). Annual mileage = 5,000. Clean driving record for three years… | 5 | $194 | $464–$535 | $1,164 |
| Example #8: Married couple, both age 25, with 2 young children at home. Married couple, both age 25, with 2 young children at home. Husband drives 2014 Toyota Corolla (VIN #: 5YFBPRHE5E) 8 miles to… | 5 | $314 | $939–$1,089 | $2,833 |
| Example #9: Single Male, age 21. Single Male, age 21. Drives 2009 Ford Mustang (VIN #: 1ZVHT80N19) 5 miles to work, 5 days per week. Annual Mileage = 12,000. He… | 5 | $230 | $598–$719 | $2,041 |
| Example #10: Single male, age 40. Single male, age 40. Drives 2017 Chevrolet Impala LT (VIN#: 2G1105S34H) 10 miles each way to work, 5 days per week. Annual… | 5 | $111 | $319–$356 | $1,487 |
| Example #11: Single male, age 28. Single male, age 28. Drives 2020 Ford Edge (VIN#: 2FMPK4J96L) and is a GIG driver for a Transportation Network Company (TNC).… | 5 | $125 | $204–$217 | $1,746 |
| Example #12: Single female, age 35. Single female, age 35. Drives 2016 Chevrolet Traverse (VIN#: 1GNKRGKD5G) and is a GIG driver but only delivers food or other… | 5 | $122 | $212–$243 | $1,371 |
The other dimension of this survey
ND Insurance Department rates 5 regions as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per region, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Fargo
- Bismarck / Mandan
- Grand Forks
- Minot
- Remainder of State
What North Dakota requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in North Dakota sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for North Dakota?
- No. They are rates insurers filed with North Dakota Insurance & Securities Department for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for North Dakota?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $111 and the highest is $2,883, both for defined hypothetical drivers.
- Are these six-month premiums?
- North Dakota Insurance & Securities Department publishes six-month premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: North Dakota Insurance & Securities Department, rates effective 1 January 2026. Retrieved 9 August 2026. 1,255 filed rates aggregated into 60 published distributions; no per-insurer figure is stored or shown.