Tesla Model 3 Insurance Cost in North Dakota
Official 2026 rate study for insuring a Tesla Model 3 in North Dakota (ND). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model 3 in North Dakota (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 North Dakota Auto Insurance Index)
Tesla Model 3 Rates by Model Year in North Dakota
Depreciation schedule calculated for North Dakota insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,641 | $137/mo | $57/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,579 | $132/mo | $58/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,521 | $127/mo | $59/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,467 | $122/mo | $59/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,417 | $118/mo | $60/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,369 | $114/mo | $60/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,325 | $110/mo | $61/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,284 | $107/mo | $61/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,245 | $104/mo | $62/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,209 | $101/mo | $63/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,175 | $98/mo | $63/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,144 | $95/mo | $64/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,114 | $93/mo | $64/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,086 | $91/mo | $65/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,061 | $88/mo | $65/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model 3 Rates by Driver Age in North Dakota
Actuarial loss-cost surcharges and discounts applied by North Dakota carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model 3 in North Dakota
Sample underwriting benchmarks across major carriers serving North Dakota drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $144/mo | $1,728/yr | |
| Progressive | A+ | $145/mo | $1,740/yr | |
| GEICO | A++ | $125/mo | $1,500/yr | |
| Allstate | A+ | $147/mo | $1,764/yr |
Frequently Asked Questions: Tesla Model 3 Insurance in North Dakota
How much does it cost to insure a Tesla Model 3 in North Dakota? ▾
Full-coverage car insurance for a Tesla Model 3 in North Dakota averages approximately $137 per month ($1,641 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $57 per month ($689 per year).
Is Tesla Model 3 insurance cheaper or more expensive in North Dakota? ▾
The Tesla Model 3 is approximately 3.9% more expensive than the statewide average vehicle insurance rate of $1,580/year in North Dakota. Its High actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Tesla Model 3 in North Dakota? ▾
Under North Dakota insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability (25/50/25), plus mandatory Personal Injury Protection (PIP) of at least $30,000.
How much does a 16-year-old pay to insure a Tesla Model 3 in North Dakota? ▾
A 16-year-old teen driver on a standalone policy pays approximately $342/month ($4,103/year) for full coverage in North Dakota. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Tesla Model 3 in North Dakota? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In North Dakota, this typically occurs around model year 2018 or older.
Compare Tesla Model 3 Insurance Across Other States
See how insurance rates for the Tesla Model 3 vary across different state statutory jurisdictions.