Arkansas vs North Dakota Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

North Dakota is $460/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 16.6%).

Rate & Coverage Comparison

Attribute	Arkansas	North Dakota
Avg Annual Premium	$1,820	$1,360
Min Liability	$590	$440
Full Coverage	$1,820	$1,360
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	16.6%	6.0%
Registered Vehicles	2,469,840	638,780
Accidents/Year	37,047	9,581
Population	3,012,000	779,000

Minimum Coverage Requirements

Arkansas

25/50 / 25 liability

North Dakota

25/50 / 25 liability

Premium Comparison

Arkansas$590 – $1,820

Liability: $590Avg: $1,820Full: $1,820

North Dakota$440 – $1,360

Liability: $440Avg: $1,360Full: $1,360

ArkansasFull rates, age breakdown, requirements →North DakotaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arkansas or North Dakota?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,820 in Arkansas - a difference of $460 per year.

How do Arkansas and North Dakota compare on fault systems?

Arkansas uses a at-fault (tort) system while North Dakota uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Arkansas vs North Dakota?

Arkansas requires 25/50 / 25 liability. North Dakota requires 25/50 / 25 liability. Minimum liability costs $590/yr in Arkansas and $440/yr in North Dakota.

Which state has more uninsured drivers, Arkansas or North Dakota?

Arkansas has a higher uninsured driver rate at 16.6%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arkansas vs North Dakota insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arkansas

North Dakota

Avg Annual Premium

$1,820

$1,360

Min Liability

$590

$440

Full Coverage

$1,820

$1,360

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

16.6%

6.0%

Registered Vehicles

2,469,840

638,780

Accidents/Year

37,047

9,581

Population

3,012,000

779,000