Example #5: Married couple ages 46 & 44 with Youthful Driver. — published premium data across North Dakota (2026)
The driver, exactly as ND Insurance Department defines it
Married couple ages 46 & 44 with Youthful Driver. Husband, age 46, drives 2015 Chevrolet Silverado pickup (VIN #: 3GCUKSEC3F) to work 8 miles each way, five days per week. Annual mileage = 15,000. Wife, age 44, drives a 2012 Subaru Outback (VIN #: 4S4BRCKC4C) to work 5 miles each way, 5 days per week. Annual mileage = 10,000. Youthful driver male, age 16, Junior in High School. ‘A’ average student drives the pickup on an occasional basis. All drivers have clean records. Husband and wife have excellent credit history. The teenage driver has no credit history. $250/$500 deductible.
Across North Dakota the median for this profile runs $1,044 in Grand Forks to $1,138 in Bismarck / Mandan. Individual filed rates run $311 to $2,490.
North Dakota Insurance & Securities Department · rates effective 1 January 2026 · six-month premiums · 115 filed rates · retrieved 9 August 2026 · source document
- Regions published
- 5
- Filed rates
- 115
- Geographic median gap
- 9.0%
- Policy term
- six-month
| Region | Filed rates (n) | Lowest | 25th percentile | Median | 75th percentile | Highest |
|---|---|---|---|---|---|---|
| Fargo | 23 | $311 | $731 | $1,099 | $1,468 | $2,182 |
| Bismarck / Mandan | 23 | $351 | $820 | $1,138 | $1,610 | $2,490 |
| Grand Forks | 23 | $322 | $787 | $1,044 | $1,404 | $2,297 |
| Minot | 23 | $365 | $864 | $1,054 | $1,381 | $2,297 |
| Remainder of State | 23 | $319 | $749 | $1,133 | $1,519 | $2,365 |
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with North Dakota Insurance & Securities Department for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Premiums are six-month payments, as published. Examples 1-8: bodily injury liability $100k/$300k, property damage liability $50,000, uninsured motorist $100k/$300k, underinsured motorist $100k/$300k, basic personal injury protection $30,000. Examples 9-12: bodily injury liability $25k/$50k, property damage liability $25,000, uninsured motorist $25k/$50k, underinsured motorist $25k/$50k, basic personal injury protection $30,000. Comprehensive and collision deductibles vary by example and are given in each example definition; the examples marked liability-only carry no physical-damage cover. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
What North Dakota requires by statute
North Dakota's statutory minimum liability limits are 25/50/25. The profile above buys the coverage ND Insurance Department specified for its own survey, which is a separate question from the legal minimum. Car-insurance requirements in North Dakota.
Coverage gap calculator
A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.
Above the limit
$17,000
A $42,000 property damage claim against North Dakota’s statutory minimum property damage of $25,000 leaves $17,000 above the limit.
General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.
Every other profile ND Insurance Department publishes
- Example #1: Single Male, Age 23.
- Example #2: Single Female, Age 30.
- Example #3: Married Couple, both age 35.
- Example #4: Married couple, both age 65 and retired.
- Example #6: Single Female, Age 48 with Youthful driver.
- Example #7: Single Female, Age 72.
- Example #8: Married couple, both age 25, with 2 young children at home.
- Example #9: Single Male, age 21.
- Example #10: Single male, age 40.
- Example #11: Single male, age 28.
- Example #12: Single female, age 35.
Questions about this profile
- Which driver does this page describe?
- Married couple ages 46 & 44 with Youthful Driver. Husband, age 46, drives 2015 Chevrolet Silverado pickup (VIN #: 3GCUKSEC3F) to work 8 miles each way, five days per week. Annual mileage = 15,000. Wife, age 44, drives a 2012 Subaru Outback (VIN #: 4S4BRCKC4C) to work 5 miles each way, 5 days per week. Annual mileage = 10,000. Youthful driver male, age 16, Junior in High School. ‘A’ average student drives the pickup on an occasional basis. All drivers have clean records. Husband and wife have excellent credit history. The teenage driver has no credit history. $250/$500 deductible.
- Why does the same driver cost so differently by region?
- Because geography is a rating factor. For this exact profile the median filed rate runs from $1,044 in Grand Forks to $1,138 in Bismarck / Mandan, a gap of 9.0% for the same driver buying the same cover in the same state.
- Are these six-month premiums?
- North Dakota Insurance & Securities Department publishes six-month premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: North Dakota Insurance & Securities Department, rates effective 1 January 2026. Retrieved 9 August 2026. 115 filed rates aggregated into the 5 distributions above; statewide the survey holds 1,255 filed rates across 60 distributions. Widest single-cell spread on this page: 7.4×.