Ford Fusion Insurance Cost in North Dakota
Insuring a Ford Fusion in North Dakota costs about $815 a year ($68/month) for full coverage by our estimate — −40% versus the same car nationally — the 1st cheapest of 51 states for this model.
Ford Fusion insurance in North Dakota at a glance
The Ford Fusion is 21% cheaper than the average vehicle to insure in North Dakota. North Dakota's own base rates are 37% lower than the national average, which carries through to every model.
North Dakota factors that affect Fusion 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 Fusion.
- Theft: 154 vehicle thefts per 100,000 residents (U.S. 197).
- 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.
Ford Fusion insurance cost in North Dakota cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Fargo | $930 | $310 | +14% |
| Bismarck | $920 | $305 | +13% |
| Grand Forks | $900 | $305 | +10% |
| Minot | $930 | $315 | +14% |
| West Fargo | $945 | $315 | +16% |
| Williston | $885 | $300 | +9% |
| Dickinson | $900 | $305 | +10% |
| Mandan | $915 | $310 | +12% |
Ford Fusion insurance in North Dakota by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $750 | $1,090 | $2,245 | $187 |
| Young adult (22) | $435 | $635 | $1,305 | $109 |
| Adult in their 30s | $275 | $395 | $815 | $68 |
| Adult in their 50s | $250 | $365 | $750 | $63 |
| Senior (72) | $305 | $445 | $915 | $76 |
| 30s, one at-fault accident | $395 | $575 | $1,185 | $99 |
| 30s, DUI on record | $505 | $735 | $1,510 | $126 |
Coverage levels
| 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. | $275 | $23 | $225–$325 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $395 | $33 | $325–$470 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $815 | $68 | $670–$965 |
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. Fusion |
|---|---|---|
| Tesla Model 3 | $1,075 | +32% |
| Chrysler 200 | $1,010 | +24% |
| Volkswagen Passat | $1,025 | +26% |
| Kia Optima | $1,085 | +33% |
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Frequently asked questions
How much is Ford Fusion insurance in North Dakota?
About $815 a year ($68 a month) for full coverage and $275 for North Dakota's minimum liability, for a driver in their 30s with a clean record. That is 40% less than the national estimate for the same car.
Is the Ford Fusion 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 Ford Fusion is 21% cheaper than average.
Where in North Dakota is Ford Fusion insurance cheapest?
Among the largest North Dakota cities, Williston has the lowest estimate (about $885) and West Fargo the highest (about $945).
What insurance do I need for a Ford Fusion 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.
- North Dakota Insurance Department: Auto
- N.D.C.C. chapter 26.1-41 (auto accident reparations; serious injury)
- NDDOT: Driver Record Services and Suspensions
- NDDOT: Drivers License FAQ
- North Dakota Insurance Department: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey