Michigan 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 $1,340/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	North Dakota
Avg Annual Premium	$2,700	$1,360
Min Liability	$890	$440
Full Coverage	$2,700	$1,360
Fault System	No-Fault	No-Fault
Uninsured Rate	19.4%	6.0%
Registered Vehicles	8,263,139	638,780
Accidents/Year	123,947	9,581
Population	10,077,000	779,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

North Dakota

25/50 / 25 liability

Premium Comparison

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

North Dakota$440 – $1,360

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

MichiganFull 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, Michigan or North Dakota?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $2,700 in Michigan - a difference of $1,340 per year.

How do Michigan and North Dakota compare on fault systems?

Michigan 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 Michigan vs North Dakota?

Michigan requires 50/100 / 10 liability. North Dakota requires 25/50 / 25 liability. Minimum liability costs $890/yr in Michigan and $440/yr in North Dakota.

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

Michigan has a higher uninsured driver rate at 19.4%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan 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

Michigan

North Dakota

Avg Annual Premium

$2,700

$1,360

Min Liability

$890

$440

Full Coverage

$2,700

$1,360

Fault System

No-Fault

Uninsured Rate

19.4%

6.0%

Registered Vehicles

8,263,139

638,780

Accidents/Year

123,947

9,581

Population

10,077,000

779,000