State risk profile
North Dakota
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across North Dakota. Scores are informational and focus on relative risk, not individual outcomes.
Score status
46
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for North Dakota
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is near the national midpoint. Traffic exposure is below the national distribution.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are below the national distribution, with inflation pressure above the national distribution.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is near the national midpoint, litigation environment is near the national midpoint.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is near the national midpoint, market concentration is near the national midpoint.
Live traffic context
Active incident feeds in North Dakota
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Active incidents
17
Feeds monitored: 24. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Weather & Environmental Risk in North Dakota
We highlight the highest-pressure risk signal in North Dakota and show the public inputs that drive the score.
72
/ 100
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Severe weather exposure
Hail, flood, hurricane, and ice/snow exposure signals.
Sources: FEMA National Risk Index
Seasonal volatility
Seasonal risk variance index capturing claim spikes.
Sources: NOAA seasonal summaries, State storm event data
Premium pressure context
How premiums compare with risk in North Dakota
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
4
/ 100
Average combined premium: $961
Premium pressure sits below the current risk baseline, which can reflect competitive or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
State context
Data-backed context for North Dakota
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is near the national midpoint, litigation environment is near the national midpoint.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.