North Dakota auto insurance averages - $807.77 per year in 2023, ranked #51 of 51 states. NAIC Auto Insurance Database (June 2025 release).
North Dakota sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $807.77 ▲10.8% | $331 |
| 2022 | $729.28 ▲5.5% | $308 |
| 2021 | $691.23 ▼0.0% | $300 |
| 2020 | $691.38 ▼1.7% | $304 |
| 2019 | $703.66 | $312 |
Evidence lead: 2023 cost position
North Dakota's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
North Dakota records $807.77 in 2023 average expenditure and ranks #51 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Coverage-component signature
North Dakota's most distinctive 2023 component is liability: $331.00, or 50.3% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
North Dakota has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +10.8% from 2022 to 2023; the largest absolute step is +10.8% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Five-year movement
From 2019 to 2023, North Dakota changed +14.8%, ranking #36 of 51 for growth in average expenditure. The state moved more slowly than the central cohort. A slower statewide change does not imply a particular resident's renewal was stable; the source tracks an aggregate across the market.
Moderate registry context
In the linked NAIC-derived registry, North Dakota has 5,933 complaints distributed across 45 companies. The two coverage ranks are #30 and #31 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, North Dakota's closest peers in this dataset are Maine ($856.28) and Idaho ($863.96), both within a few dollars of North Dakota's own $807.77.
Note on state comparisons: These averages reflect the mix of coverages purchased in North Dakota, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
