Chevrolet Silverado 1500 Insurance Cost in North Dakota

Insuring a Chevrolet Silverado 1500 in North Dakota costs about $1,065 a year ($89/month) for full coverage by our estimate — −38% versus the same car nationally — the 1st cheapest of 51 states for this model.

Chevrolet Silverado 1500 (photo from Wikimedia Commons) — Photo: HJUdall, CC0 1.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Chevrolet Silverado 1500 insurance in North Dakota at a glance

Full coverage

$1,065

$870–$1,255

25/50/25 minimum

$340

$28/mo

Same car nationally

$1,725

full coverage

Avg. car in ND

$1,030

+3% for the Silverado 1500

The Chevrolet Silverado 1500 is 3% more expensive than the average vehicle to insure in North Dakota, reflecting HLDI collision losses of 94 and comprehensive losses of 90 (100 = average). North Dakota's own base rates are 37% lower than the national average, which carries through to every model.

North Dakota factors that affect Silverado 1500 premiums

Uninsured drivers: 10.6% of North Dakota drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Silverado 1500.
Theft: 154 vehicle thefts per 100,000 residents (U.S. 197); the Silverado 1500 is #4 on the national most-stolen list.
Weather: FEMA rates North Dakota's expected annual losses as relatively moderate for hail, relatively moderate for tornado, not rated for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 0.90 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: No-fault, with required personal injury protection.

Car insurance rules and costs in North Dakota →

Chevrolet Silverado 1500 insurance cost in North Dakota cities

City	Full coverage	Minimum	vs. state
Fargo	$1,210	$380	+14%
Bismarck	$1,195	$380	+12%
Grand Forks	$1,175	$375	+10%
Minot	$1,205	$385	+13%
West Fargo	$1,230	$385	+15%
Williston	$1,150	$370	+8%
Dickinson	$1,170	$380	+10%
Mandan	$1,185	$380	+11%

Chevrolet Silverado 1500 insurance in North Dakota by driver

Estimated annual Chevrolet Silverado 1500 premium in North Dakota
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$930	$1,345	$2,925	$244
Young adult (22)	$540	$785	$1,700	$142
Adult in their 30s	$340	$490	$1,065	$89
Adult in their 50s	$310	$450	$980	$82
Senior (72)	$380	$550	$1,190	$99
30s, one at-fault accident	$490	$710	$1,540	$128
30s, DUI on record	$625	$905	$1,965	$164

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$340	$28	$275–$400
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$490	$41	$400–$580
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,065	$89	$870–$1,255

North Dakota minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in North Dakota

Model	Full coverage in ND	vs. Silverado 1500
Ford F-150	$1,010	−5%
Ford Maverick	$925	−13%
Ram 1500	$1,130	+6%
Toyota Tacoma	$910	−15%

Estimate your Silverado 1500 premium by ZIP code

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Estimated annual premium

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Chevrolet Silverado 1500 insurance cost in every state · All Chevrolet models

Frequently asked questions

How much is Chevrolet Silverado 1500 insurance in North Dakota?

About $1,065 a year ($89 a month) for full coverage and $340 for North Dakota's minimum liability, for a driver in their 30s with a clean record. That is 38% less than the national estimate for the same car.

Is the Chevrolet Silverado 1500 cheaper to insure than the average car in North Dakota?

The average vehicle in North Dakota is about $1,030 a year for full coverage in our model, so the Chevrolet Silverado 1500 is 3% more expensive than average.

Where in North Dakota is Chevrolet Silverado 1500 insurance cheapest?

Among the largest North Dakota cities, Williston has the lowest estimate (about $1,150) and West Fargo the highest (about $1,230).

What insurance do I need for a Chevrolet Silverado 1500 in North Dakota?

North Dakota requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page