Massachusetts 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 $110/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 6.2%).

Rate & Coverage Comparison

Attribute	Massachusetts	North Dakota
Avg Annual Premium	$1,470	$1,360
Min Liability	$480	$440
Full Coverage	$1,470	$1,360
Fault System	No-Fault	No-Fault
Uninsured Rate	6.2%	6.0%
Registered Vehicles	5,764,600	638,780
Accidents/Year	86,469	9,581
Population	7,030,000	779,000

Minimum Coverage Requirements

Massachusetts

20/40 / 5 liability

North Dakota

25/50 / 25 liability

Premium Comparison

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

North Dakota$440 – $1,360

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

MassachusettsFull 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, Massachusetts or North Dakota?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,470 in Massachusetts - a difference of $110 per year.

How do Massachusetts and North Dakota compare on fault systems?

Massachusetts 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 Massachusetts vs North Dakota?

Massachusetts requires 20/40 / 5 liability. North Dakota requires 25/50 / 25 liability. Minimum liability costs $480/yr in Massachusetts and $440/yr in North Dakota.

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

Massachusetts has a higher uninsured driver rate at 6.2%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Massachusetts 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

Massachusetts

North Dakota

Avg Annual Premium

$1,470

$1,360

Min Liability

$480

$440

Full Coverage

$1,470

$1,360

Fault System

No-Fault

Uninsured Rate

6.2%

6.0%

Registered Vehicles

5,764,600

638,780

Accidents/Year

86,469

9,581

Population

7,030,000

779,000