Tesla Model 3 Insurance in North Dakota
Rates from $39 – $66/mo minimum coverage, $152 – $254/mo full coverage. Compare top ND carriers below.
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Updated June 2026 · Source: North Dakota DOI + IQ rate model
Average monthly premium — 2024 Tesla Model 3, North Dakota
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Tesla Model 3 drivers in North Dakota
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Tesla Model 3 insurance costs what it does in North Dakota
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
North Dakota is a no-fault state requiring 25/50/25 liability + $30,000 PIP + UM. PIP requirement raises the floor but low population density keeps overall premiums well below national average.
Frequently asked questions
01How much is Tesla Model 3 insurance in North Dakota?
North Dakota drivers of a 2024 Tesla Model 3 pay about $152 – $254 per month for full coverage, or roughly $39 – $66 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Model 3?
Yes. If your Model 3 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. North Dakota law itself only requires the state liability minimums (25/50/25 plus $30,000 PIP + UM), but the lender's contract overrides that.
03What's the cheapest carrier for a Model 3 in North Dakota?
Cheapest varies by driver profile, but in North Dakota the major carriers most often quoting the lowest premiums for a Model 3 are GEICO, Progressive, and State Farm. Regional carriers (NodakInsurance and Western National) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Are EVs like the Model 3 more expensive to insure in North Dakota?
Yes, noticeably. EVs cost 20-40% more to insure than equivalent gas vehicles in most states, North Dakota included, primarily due to battery-pack replacement cost and a thinner repair network. The premium gap is narrowing each year as more shops are certified on EV repair.
05Does North Dakota require SR-22 after a DUI for a Model 3?
After a DUI, North Dakota requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Model 3 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.