How much is Honda Accord insurance in North Dakota?
For the driver profile in our methodology, a 2024 Honda Accord costs between $35/mo at the state minimum and $210/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $35 – $58 | $420 – $696 |
| Liability OnlyYou’re viewing this tier | Higher limits; still nothing for your car | $45 – $75 | $540 – $900 |
| Full CoverageMost owners | Adds damage to your Accord, theft, glass | $107 – $178 | $1,284 – $2,136 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $126 – $210 | $1,512 – $2,520 |
What liability only includes
- Liability limits above the 25/50/25 plus $30,000 PIP + UM floor (typically 50/100 or 100/300 in the market — your quote sets the number)
- Personal injury protection at the North Dakota required minimum
- Uninsured/underinsured motorist as listed with the state minimum
- Still no comprehensive or collision on the Accord
What North Dakota requires to drive a Accord
North Dakota lists 25/50/25 plus $30,000 PIP + UM as the liability floor. That is what makes a Accord legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 25/50/25 plus $30,000 PIP + UM
- Fault system
- North Dakota is a no-fault state — PIP typically rides on every policy.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is listed with this state’s minimum package in our registry.
North Dakota Department of Insurance · North Dakota insurance hub
Accord insurance cost by model year
Newer models cost more to insure — a 2024 Accord runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $107 – $178 | $45 – $75 | — |
| 2023 | $102 – $169 | $45 – $74 | −5% |
| 2022 | $97 – $162 | $44 – $74 | −9% |
| 2021 | $93 – $155 | $43 – $72 | −13% |
| 2020 | $89 – $148 | $42 – $71 | −17% |
Accord vs. comparable vehicles
How the Accord stacks up against the vehicles shoppers most often cross-shop it with — the Toyota Camry insures for about 11% less in North Dakota. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Accord | Why it differs |
|---|---|---|---|
| Honda Accord | $107 – $178 | — | Segment-average claim severity |
| Toyota Camry | $95 – $159 | −11% | Camry's lower claim severity and cheaper repairs edge it under the Accord. |
| Nissan Altima | $100 – $167 | −6% | Altima runs higher claim frequency in urban rating territories. |
| Hyundai Sonata | $103 – $172 | −3% | Sonata's lower sticker is offset by its mid-pack theft ranking. |
Accord insurance cost by North Dakota city
Fargo drivers pay about 8% above the state average while Minot runs 5% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. ND average |
|---|---|---|
| Fargo | $116 – $192 | +8% |
| West Fargo | $111 – $185 | +4% |
| Bismarck | $108 – $180 | +1% |
| Grand Forks | $104 – $173 | −3% |
| Minot | $102 – $169 | −5% |
Why Accord insurance costs what it costs
Liability-only on a 2024 Honda Accord in North Dakota raises the limits above 25/50/25 plus $30,000 PIP + UM but still leaves the Accord uninsured for its own damage. Collision, theft, hail, glass, and animal strikes stay with the owner.
The Accord is a sedan in the mainstream MSRP tier, with near-segment-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It also carries NICB Hot Wheels rank #7, which our model applies as a comprehensive surcharge.
Liability-only here ($45 – $75) sits between the $35 – $58 minimum and $107 – $178 full-coverage bands. You are paying for higher limits, not for repairing the Accord.
Fargo is modeled 8% above the ND average ($116 – $192/mo full coverage on this Accord); Minot is modeled 5% below at $102 – $169. Those city factors scale the same band as the hero — they are not a second rate file. UM/UIM is listed with North Dakota's minimum package in our registry.
What the model knows about this Accord
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #7On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- mainstreamReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- moderateClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is liability only the right tier for you?
- The Accord is paid off and you want more lawsuit room than 25/50/25 plus $30,000 PIP + UM without paying $107 – $178 for the car itself
- You can cash-fund a total loss on this mainstream-tier sedan
- You are deliberately banking the $62–$103/mo gap to full coverage
- Financed or leased Accord — comprehensive and collision are typically required
- A newer mainstream-tier sedan whose replacement cost still dwarfs $45 – $75
- Drivers who park in weather- or theft-exposed conditions and cannot self-insure comprehensive losses
$500 vs $250 deductible on a Accord
On a Accord this model prices a $250 deductible at $19–$32/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverage | $500 | $107 – $178 | $1,284–$2,136 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $126 – $210 | $1,512–$2,520 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on liability coverage
These are typical market add-ons, not North Dakota mandates and not priced in our rate model. Confirm each line on a quote.
- Roadside assistance
Useful on a sedan you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote North Dakota
These are carriers we have real logos for and that commonly quote North Dakota. We do not publish a per-carrier Accord price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your Accord rate
- Raise your deductible to $1,000. On a Accord premium this is the single biggest lever you control directly.Saves ~$11–$21/mo
- Shop at least three carriers. Rates for the identical Accord profile differ by 2x or more between carriers in North Dakota.Saves up to $1,000+/yr
- Right-size your PIP. North Dakota is a no-fault state — if your health insurance already covers auto injuries, coordinating or trimming PIP limits cuts a mandatory coverage you may be double-paying.Saves 5–15%
- Add an anti-theft device. The Accord is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the North Dakota Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Honda Accord insurance in North Dakota: FAQ
01What extra do I get vs North Dakota minimum on a Accord?
Higher liability caps than 25/50/25 plus $30,000 PIP + UM. You still do not have comprehensive or collision. The modeled price for that middle tier is $45 – $75; full coverage on the same 2024 Honda Accord is $107 – $178.
02What does North Dakota actually require to drive a Accord?
North Dakota lists 25/50/25 plus $30,000 PIP + UM as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $107 – $178 for a 2024 Honda Accord.
03Does Accord insurance cost more in Fargo than in Minot?
In this model, yes — Fargo is 8% vs the ND average ($116 – $192/mo full coverage) and Minot is -5% ($102 – $169). Same 2024 Honda Accord, same driver profile; only the city factor changes.
04Does the Accord's NICB rank change this North Dakota premium?
Our model applies a comprehensive surcharge when a vehicle is on the NICB top-100 list. The Accord is rank #7. That is a modeled modifier, not a carrier’s filed theft factor for your ZIP.
