Iowa vs North Dakota Car Insurance

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

Quick Verdict

More Affordable

Iowa is $10/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 8.6%).

Rate & Coverage Comparison

Attribute	Iowa	North Dakota
Avg Annual Premium	$1,350	$1,360
Min Liability	$440	$440
Full Coverage	$1,350	$1,360
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	8.6%	6.0%
Registered Vehicles	2,615,800	638,780
Accidents/Year	39,237	9,581
Population	3,190,000	779,000

Minimum Coverage Requirements

Iowa

20/40 / 15 liability

North Dakota

25/50 / 25 liability

Premium Comparison

Iowa$440 – $1,350

Liability: $440Avg: $1,350Full: $1,350

North Dakota$440 – $1,360

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

IowaFull 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, Iowa or North Dakota?

Iowa has cheaper car insurance, with an average annual premium of $1,350 compared to $1,360 in North Dakota - a difference of $10 per year.

How do Iowa and North Dakota compare on fault systems?

Iowa 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 Iowa vs North Dakota?

Iowa requires 20/40 / 15 liability. North Dakota requires 25/50 / 25 liability. Minimum liability costs $440/yr in Iowa and $440/yr in North Dakota.

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

Iowa has a higher uninsured driver rate at 8.6%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Iowa 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

Iowa

North Dakota

Avg Annual Premium

$1,350

$1,360

Min Liability

$440

Full Coverage

$1,350

$1,360

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

8.6%

6.0%

Registered Vehicles

2,615,800

638,780

Accidents/Year

39,237

9,581

Population

3,190,000

779,000