Example #11: Single male, age 28. — published premium data across North Dakota (2026)
The driver, exactly as ND Insurance Department defines it
Single male, age 28. Drives 2020 Ford Edge (VIN#: 2FMPK4J96L) and is a GIG driver for a Transportation Network Company (TNC). Annual mileage = 60,000. Clean driving record for 3 years and excellent credit history. There are no other drivers in household. Driver is looking for a “liability only” policy.
Across North Dakota the median for this profile runs $204 in Bismarck / Mandan to $217 in Minot. Individual filed rates run $125 to $1,746.
North Dakota Insurance & Securities Department · rates effective 1 January 2026 · six-month premiums · 70 filed rates · retrieved 9 August 2026 · source document
- Regions published
- 5
- Filed rates
- 70
- Geographic median gap
- 6.4%
- Policy term
- six-month
| Region | Filed rates (n) | Lowest | 25th percentile | Median | 75th percentile | Highest |
|---|---|---|---|---|---|---|
| Fargo | 14 | $145 | $152 | $216 | $354 | $1,605 |
| Bismarck / Mandan | 14 | $131 | $140 | $204 | $386 | $1,746 |
| Grand Forks | 14 | $131 | $142 | $213 | $351 | $1,512 |
| Minot | 14 | $126 | $140 | $217 | $362 | $1,580 |
| Remainder of State | 14 | $125 | $134 | $210 | $350 | $1,637 |
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.
What North Dakota requires by statute
North Dakota's statutory minimum liability limits are 25/50/25. The profile above buys the coverage ND Insurance Department specified for its own survey, which is a separate question from the legal minimum. Car-insurance requirements in North Dakota.
Coverage gap calculator
A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.
Above the limit
$17,000
A $42,000 property damage claim against North Dakota’s statutory minimum property damage of $25,000 leaves $17,000 above the limit.
General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.
Every other profile ND Insurance Department publishes
- Example #1: Single Male, Age 23.
- Example #2: Single Female, Age 30.
- Example #3: Married Couple, both age 35.
- Example #4: Married couple, both age 65 and retired.
- Example #5: Married couple ages 46 & 44 with Youthful Driver.
- Example #6: Single Female, Age 48 with Youthful driver.
- Example #7: Single Female, Age 72.
- Example #8: Married couple, both age 25, with 2 young children at home.
- Example #9: Single Male, age 21.
- Example #10: Single male, age 40.
- Example #12: Single female, age 35.
Questions about this profile
- Which driver does this page describe?
- Single male, age 28. Drives 2020 Ford Edge (VIN#: 2FMPK4J96L) and is a GIG driver for a Transportation Network Company (TNC). Annual mileage = 60,000. Clean driving record for 3 years and excellent credit history. There are no other drivers in household. Driver is looking for a “liability only” policy.
- Why does the same driver cost so differently by region?
- Because geography is a rating factor. For this exact profile the median filed rate runs from $204 in Bismarck / Mandan to $217 in Minot, a gap of 6.4% for the same driver buying the same cover in the same state.
- 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. 70 filed rates aggregated into the 5 distributions above; statewide the survey holds 1,255 filed rates across 60 distributions. Widest single-cell spread on this page: 13.3×.