Insurance in North Dakota
North Dakota offers some of the cheapest auto insurance in the country at $1,200/year, reflecting low traffic, sparse population, and a relatively low accident frequency.
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All Insurance Types in North Dakota
Select an insurance type to see North Dakota-specific rates, requirements, and top providers.
Auto Insurance
- State minimum: 25/50/25
- Fault system: no-fault
- 5% above national average
Homeowners Insurance
- Primary risk: Winter storms and ice dams
- 5% below national average
- Avg home value: $250,000
Renters Insurance
- Covers personal belongings
- Liability protection included
- Most affordable coverage type
Life Insurance
- Term & whole life options
- No medical exam options available
- Lock in rates while young
Health Insurance
- ACA marketplace plans
- Employer & individual options
- Covers preventive care
North Dakota Insurance Rates vs National Average
Annual average rates. Gray bar = national average for comparison.
North Dakota Insurance Risk Profile
These four risk factors directly influence your insurance premiums in North Dakota.
Blizzards, spring flooding, and severe hailstorms
Very light traffic across the state
Among lowest vehicle theft rates nationally
Spring flooding and severe blizzard risk
North Dakota Insurance Facts
Find Insurance by City in North Dakota
City-level guides with local rates, top providers, and coverage tips.
Compare All Insurance in North Dakota
Get personalized quotes for auto, home, renters, life, or health insurance from top-rated carriers in North Dakota. Free, no obligation, takes 2 minutes.
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Frequently Asked Questions — Insurance in North Dakota
Answers about auto, home, renters, life, and health insurance requirements, costs, and coverage in North Dakota.
North Dakota requires all drivers to carry minimum auto insurance of 25/50/25 liability coverage plus Personal Injury Protection (PIP). While homeowners insurance is not mandated by law, mortgage lenders require it as a condition of financing. Renters, life, and health insurance are all voluntary but strongly recommended.
The average full coverage auto insurance rate in North Dakota is $1,850/year/year. Minimum liability coverage costs significantly less but leaves you underprotected. Rates vary widely by ZIP code, driving record, vehicle, and carrier — compare at least 3–5 quotes to find the best rate.
Home insurance in North Dakota averages $1,200/year. Key risk factors affecting premiums include Winter storms and ice dams. Rates vary significantly by location, home age, coverage amount, and the carrier you choose.
The most effective ways to save on insurance in North Dakota are: (1) Compare quotes from at least 3–5 carriers. (2) Bundle auto and home or auto and renters insurance for a 10–25% discount. (3) Raise deductibles where you can afford to. (4) Ask about discounts for good driving records, home security systems, or paying annually.
Top-rated carriers in North Dakota include State Farm, Progressive, American Family Insurance. The best company for you depends on which insurance type you're shopping for and your specific risk profile. Always compare quotes because the same carrier can be the cheapest for one driver and expensive for another.
North Dakota does not legally require renters insurance, but many landlords require it as a lease condition. At an average of just $150–220/year, renters insurance protects your personal belongings and provides liability coverage — making it one of the best value insurance products available.