Car Insurance for Age 36-45 in North Dakota

Average auto insurance rates for 36-45 year old drivers in North Dakota (ND), including male vs female rate comparison.

Avg Annual Rate

$1,360

$366 below national avg

Male Rate

$1,387/yr

Female Rate

$1,333/yr

Cost Rank

#42

of 51 states

Male vs Female Rates — Age 36-45 in North Dakota

Gender	Annual	Monthly	vs Average
Male	$1,387	$116	+$27
Female	$1,333	$111	$-27
Average	$1,360	$113	—

Male drivers aged 36-45 pay $54 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 36-45

Most Expensive

#1	Michigan	$2,700
#2	Louisiana	$2,600
#3	Florida	$2,500
#4	New York	$2,320
#5	Kentucky	$2,200
#6	Colorado	$2,100
#7	Georgia	$2,100
#8	California	$2,070
#9	Nevada	$2,070
#10	Oklahoma	$2,030

Least Expensive

#51	Maine	$900
#50	Vermont	$1,000
#49	New Hampshire	$1,050
#48	Idaho	$1,100
#47	Hawaii	$1,270
#46	Wisconsin	$1,280
#45	Ohio	$1,290
#44	North Carolina	$1,350
#43	Iowa	$1,350
#42	North Dakota	$1,360

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 36-45 in North Dakota?

The average annual car insurance premium for 36-45 year olds in North Dakota is $1,360 (about $113/month). This is $366 below the national average of $1,726 for this age group.

Do males or females pay more for car insurance at age 36-45 in North Dakota?

In North Dakota, male drivers aged 36-45 pay more — $1,387/yr for males vs $1,333/yr for females, a difference of $54 per year.

How does North Dakota rank for age 36-45 insurance costs?

North Dakota ranks #42 out of 51 states for car insurance costs for 36-45 year olds (most expensive first). The cheapest state for this age group is Maine at $900/yr, while Michigan is the most expensive at $2,700/yr.

Why is car insurance cheaper for age 36-45 in North Dakota?

Insurance rates for 36-45 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 36-45 year olds save on car insurance in North Dakota?

36-45 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 36-45 Rates in Other States

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