Hawaii vs North Dakota Car Insurance

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

Quick Verdict

More Affordable

Hawaii is $90/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 9.2%).

Rate & Coverage Comparison

Attribute	Hawaii	North Dakota
Avg Annual Premium	$1,270	$1,360
Min Liability	$420	$440
Full Coverage	$1,270	$1,360
Fault System	No-Fault	No-Fault
Uninsured Rate	9.2%	6.0%
Registered Vehicles	1,193,920	638,780
Accidents/Year	17,908	9,581
Population	1,456,000	779,000

Minimum Coverage Requirements

Hawaii

20/40 / 10 liability

North Dakota

25/50 / 25 liability

Premium Comparison

Hawaii$420 – $1,270

Liability: $420Avg: $1,270Full: $1,270

North Dakota$440 – $1,360

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

HawaiiFull 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, Hawaii or North Dakota?

Hawaii has cheaper car insurance, with an average annual premium of $1,270 compared to $1,360 in North Dakota - a difference of $90 per year.

How do Hawaii and North Dakota compare on fault systems?

Hawaii uses a no-fault system while North Dakota uses a no-fault system. Both states use the same system.

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

Hawaii requires 20/40 / 10 liability. North Dakota requires 25/50 / 25 liability. Minimum liability costs $420/yr in Hawaii and $440/yr in North Dakota.

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

Hawaii has a higher uninsured driver rate at 9.2%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Hawaii 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

Hawaii

North Dakota

Avg Annual Premium

$1,270

$1,360

Min Liability

$420

$440

Full Coverage

$1,270

$1,360

Fault System

No-Fault

Uninsured Rate

9.2%

6.0%

Registered Vehicles

1,193,920

638,780

Accidents/Year

17,908

9,581

Population

1,456,000

779,000