# How Much Does Automobile Insurance Cost in North Dakota? _Last updated: 2026-10-05T07:43:17Z_ > North Dakota pricing for automobile insurance opens around $9,446 and tops out near $33,061 per year; $17,672 is the typical figure. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$9,446 | | Typical | ~$17,672 | | High | ~$33,061 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$9,446 | ~$21,254 | ~$33,061 | | Best-qualified applicant scenario | ~$7,746 | ~$19,247 | ~$30,747 | | Weaker-credit scenario | ~$10,202 | ~$26,591 | ~$42,979 | | Origination and third-party fees | ~$1,134 | ~$5,030 | ~$8,926 | | Shorter term with higher payment | ~$9,635 | ~$24,324 | ~$39,012 | ## Getting quotes for automobile insurance For automobile insurance, three quotes is the practical minimum and five is rarely necessary. The goal is to see the market range, not to collect paperwork. ## Timing your automobile insurance For automobile insurance, same-day and after-hours call-outs sit at the top of the range. A standard appointment booked in advance gives you the best chance of the typical figure. ## What Automobile Insurance typically costs Plan around a $9,446–$33,061 per year band for automobile insurance in North Dakota. A typical job is near $17,672, and the gap between the two ends is where scope, materials and timing do their work. ## How to compare quotes for automobile insurance Cheapest is not the same as best value for automobile insurance. A slightly higher quote with a complete scope and no open-ended extras is often safer than the lowest figure with caveats. ## What moves the price of automobile insurance The scope you agree drives most of the cost of automobile insurance. Every extra task, upgraded material or access complication adds labour and risk, and the provider prices that risk into the quote. ## Frequently asked questions ### How much does automobile insurance cost? Most automobile insurance falls between $9,446 and $33,061, with a typical figure near $17,672 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For North Dakota, ask a provider to put that in writing with the quote. ### What affects the price of automobile insurance? Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. Providers serving North Dakota can tell you how it affects a typical job. ### Is Automobile Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in North Dakota can change the detail, so compare nearby quotes. ### How many quotes should I get for automobile insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across North Dakota, so confirm them with the provider you hire. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/north-dakota/tax-preparation/) - [Personal Loans](/north-dakota/personal-loans/) - [Auto Loans](/north-dakota/auto-loans/) - [Student Loans](/north-dakota/student-loans/) - [Business Loans](/north-dakota/business-loans/) - [Mortgages](/north-dakota/mortgages/) - [Alabama](/alabama/automobile-insurance/) - [Alaska](/alaska/automobile-insurance/) - [Arizona](/arizona/automobile-insurance/) - [Arkansas](/arkansas/automobile-insurance/) - [California](/california/automobile-insurance/) - [Colorado](/colorado/automobile-insurance/) - [Connecticut](/connecticut/automobile-insurance/) - [Delaware](/delaware/automobile-insurance/) - [District of Columbia](/district-of-columbia/automobile-insurance/) - [Florida](/florida/automobile-insurance/) - [Georgia](/georgia/automobile-insurance/) - [Hawaii](/hawaii/automobile-insurance/) - [Idaho](/idaho/automobile-insurance/) - [Illinois](/illinois/automobile-insurance/) - [Indiana](/indiana/automobile-insurance/) - [Iowa](/iowa/automobile-insurance/) - [Kansas](/kansas/automobile-insurance/) - [Kentucky](/kentucky/automobile-insurance/) - [Louisiana](/louisiana/automobile-insurance/) - [Maine](/maine/automobile-insurance/) - [Maryland](/maryland/automobile-insurance/) - [Massachusetts](/massachusetts/automobile-insurance/) - [Michigan](/michigan/automobile-insurance/) - [Minnesota](/minnesota/automobile-insurance/) - [Mississippi](/mississippi/automobile-insurance/) - [Missouri](/missouri/automobile-insurance/) - [Montana](/montana/automobile-insurance/) - [Nebraska](/nebraska/automobile-insurance/) - [Nevada](/nevada/automobile-insurance/) - [New Hampshire](/new-hampshire/automobile-insurance/) - [New Jersey](/new-jersey/automobile-insurance/) - [New Mexico](/new-mexico/automobile-insurance/) - [New York](/new-york/automobile-insurance/) - [North Carolina](/north-carolina/automobile-insurance/) - [North Dakota](/north-dakota/automobile-insurance/) - [Ohio](/ohio/automobile-insurance/) - [Oklahoma](/oklahoma/automobile-insurance/) - [Oregon](/oregon/automobile-insurance/) - [Pennsylvania](/pennsylvania/automobile-insurance/) - [Rhode Island](/rhode-island/automobile-insurance/) - [South Carolina](/south-carolina/automobile-insurance/) - [South Dakota](/south-dakota/automobile-insurance/) - [Tennessee](/tennessee/automobile-insurance/) - [Texas](/texas/automobile-insurance/) - [Utah](/utah/automobile-insurance/) - [Vermont](/vermont/automobile-insurance/) - [Virginia](/virginia/automobile-insurance/) - [Washington](/washington/automobile-insurance/) - [West Virginia](/west-virginia/automobile-insurance/) - [Wisconsin](/wisconsin/automobile-insurance/) - [Wyoming](/wyoming/automobile-insurance/) - [Ontario](/ontario/automobile-insurance/) - [Quebec](/quebec/automobile-insurance/) - [British Columbia](/british-columbia/automobile-insurance/) - [Alberta](/alberta/automobile-insurance/) - [Saskatchewan](/saskatchewan/automobile-insurance/) - [Manitoba](/manitoba/automobile-insurance/) - [Nova Scotia](/nova-scotia/automobile-insurance/) - [New Brunswick](/new-brunswick/automobile-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/automobile-insurance/) - [Prince Edward Island](/prince-edward-island/automobile-insurance/) - [Bismarck](/bismarck/) - [Fargo](/fargo/) - [Grand Forks](/grand-forks/) - [Minot](/minot/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.