Car Insurance for Age 16-19 in North Dakota

Average auto insurance rates for 16-19 year old drivers in North Dakota (ND), including male vs female rate comparison.

Avg Annual Rate

$3,672

$988 below national avg

Male Rate

$4,148/yr

Female Rate

$3,196/yr

Cost Rank

#42

of 51 states

Male vs Female Rates — Age 16-19 in North Dakota

Gender	Annual	Monthly	vs Average
Male	$4,148	$346	+$476
Female	$3,196	$266	$-476
Average	$3,672	$306	—

Male drivers aged 16-19 pay $952 more per year in North Dakota.

All Age Groups in North Dakota

Age Group	Average	Male	Female
16-19 ←	$3,672	$4,148	$3,196
20-25	$2,448	$2,720	$2,176
26-35	$1,496	$1,564	$1,428
36-45	$1,360	$1,387	$1,333
46-55	$1,292	$1,319	$1,265
56-65	$1,251	$1,278	$1,224
65+	$1,428	$1,469	$1,387

Most & Least Expensive States for Age 16-19

Most Expensive

#1	Michigan	$7,290
#2	Louisiana	$7,020
#3	Florida	$6,750
#4	New York	$6,264
#5	Kentucky	$5,940
#6	Colorado	$5,670
#7	Georgia	$5,670
#8	California	$5,589
#9	Nevada	$5,589
#10	Oklahoma	$5,481

Least Expensive

#51	Maine	$2,430
#50	Vermont	$2,700
#49	New Hampshire	$2,835
#48	Idaho	$2,970
#47	Hawaii	$3,429
#46	Wisconsin	$3,456
#45	Ohio	$3,483
#44	North Carolina	$3,645
#43	Iowa	$3,645
#42	North Dakota	$3,672

North Dakota Insurance Overview

State Avg Premium

$1,360/yr

Fault System

No-Fault

Uninsured Rate

6.0%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 16-19 in North Dakota?

The average annual car insurance premium for 16-19 year olds in North Dakota is $3,672 (about $306/month). This is $988 below the national average of $4,660 for this age group.

Do males or females pay more for car insurance at age 16-19 in North Dakota?

In North Dakota, male drivers aged 16-19 pay more — $4,148/yr for males vs $3,196/yr for females, a difference of $952 per year.

How does North Dakota rank for age 16-19 insurance costs?

North Dakota ranks #42 out of 51 states for car insurance costs for 16-19 year olds (most expensive first). The cheapest state for this age group is Maine at $2,430/yr, while Michigan is the most expensive at $7,290/yr.

Why is car insurance cheaper for age 16-19 in North Dakota?

Insurance rates for 16-19 year olds in North Dakota are influenced by the state's no-fault system, local accident rates (9,581/yr), uninsured driver rate (6.0%), and population density. North Dakota has 638,780 registered vehicles.

How can 16-19 year olds save on car insurance in North Dakota?

16-19 year olds in North Dakota can save by: comparing quotes from multiple insurers (State Farm is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 16-19 Rates in Other States

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