Montana 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 $320/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 7.5%).

Rate & Coverage Comparison

Attribute	Montana	North Dakota
Avg Annual Premium	$1,680	$1,360
Min Liability	$550	$440
Full Coverage	$1,680	$1,360
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	7.5%	6.0%
Registered Vehicles	889,700	638,780
Accidents/Year	13,345	9,581
Population	1,085,000	779,000

Minimum Coverage Requirements

Montana

25/50 / 20 liability

North Dakota

25/50 / 25 liability

Premium Comparison

Montana$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

North Dakota$440 – $1,360

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

MontanaFull 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, Montana or North Dakota?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,680 in Montana - a difference of $320 per year.

How do Montana and North Dakota compare on fault systems?

Montana 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 Montana vs North Dakota?

Montana requires 25/50 / 20 liability. North Dakota requires 25/50 / 25 liability. Minimum liability costs $550/yr in Montana and $440/yr in North Dakota.

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

Montana has a higher uninsured driver rate at 7.5%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Montana 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

Montana

North Dakota

Avg Annual Premium

$1,680

$1,360

Min Liability

$550

$440

Full Coverage

$1,680

$1,360

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

7.5%

6.0%

Registered Vehicles

889,700

638,780

Accidents/Year

13,345

9,581

Population

1,085,000

779,000