North Dakota Commercial
Truck Insurance
Average premiums: $7,200–$14,400/year per truck. Get an instant estimate for your North Dakota operation below.
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💡 Ways to Lower Your Premium
Insurance Requirements in North Dakota
North Dakota follows federal FMCSA minimums. The Bakken oil field operations in western ND require specialized oil field service truck coverage and may involve increased liability requirements.
Key North Dakota trucking routes include I-94 / I-29 / US-2. Major freight hubs: Fargo, Bismarck, Grand Forks.
Average Truck Insurance Costs in North Dakota
Commercial truck insurance in North Dakota averages $7,200–$14,400 per truck per year — one of the lowest rates in the nation. Extreme low population density means low accident frequency. The oil patch in western ND creates demand for oilfield service trucks, which carry higher premiums, but agricultural carriers benefit from some of the best rates in the country.
North Dakota has among the lowest commercial truck insurance rates in the US due to extremely low population density and minimal litigation activity.
North Dakota Commercial Truck Insurance — Common Questions
How much does commercial truck insurance cost in North Dakota?
Commercial truck insurance in North Dakota averages $7,200–$14,400 per truck per year. North Dakota has among the lowest commercial truck insurance rates in the US due to extremely low population density and minimal litigation activity.
What are North Dakota's minimum truck insurance requirements?
North Dakota follows federal FMCSA minimums. The Bakken oil field operations in western ND require specialized oil field service truck coverage and may involve increased liability requirements.
Which carriers offer the best rates in North Dakota?
Top carriers operating in North Dakota include Progressive Commercial, Great West Casualty, Sentry Insurance, and Protective Insurance. Rates vary by carrier, so comparing 3+ quotes is essential. Use our estimator to get a baseline before contacting agents.
How can I reduce my truck insurance costs in North Dakota?
The fastest ways to lower rates in North Dakota: hire drivers with 5+ years CDL experience, install ELD devices and dashcams for telematics discounts (5–15%), maintain clean MVR and DAC records, and bundle multiple trucks for fleet discounts (12–22% off for 5+ trucks).