It's a necessary evil. Car insurance. You got to have it, you may never use it. You hate making that monthly payment, but when you need it, it's nice to have it. Actually, it's law, if you own and drive a vehicle, you must have a minimum of insurance coverage.

We go to to see how monthly car insurance rate compare. How does the car insurance rate in North Dakota compare to the rest of the country. The cheapest states to buy car insurance according to are Wisconsin at $912, Ohio at $899 and the top spot goes to Maine at $807 a month.

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The most expensive states for full monthly coverage, at the top spot is Michigan. This states insurance rates are complicated, so we'll just say the monthly premium is over $2500 a month. At #2 is Montana at $2297 and rounding out the top 3 is New Jersey at $1905.

North Dakota is in the middle of the pack, joining states like South Dakota, Iowa, Nebraska, Arizona, Utah, Idaho, Illinois' and Washington. All of these states average about the same monthly insurance rate, somewhere between $1200 and $1250 a month. For North Dakota, the average monthly rate is $1200 a month, which is a 12% increase from 2015 but down about 9% from the national average.

You can see the entire nations auto rates here.