North Dakota vs Ohio Car Insurance

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

Quick Verdict

More Affordable

Ohio is $70/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 12.4%).

Rate & Coverage Comparison

Attribute	North Dakota	Ohio
Avg Annual Premium	$1,360	$1,290
Min Liability	$440	$420
Full Coverage	$1,360	$1,290
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	12.4%
Registered Vehicles	638,780	9,675,180
Accidents/Year	9,581	145,127
Population	779,000	11,799,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Ohio

25/50 / 25 liability

Premium Comparison

North Dakota$440 – $1,360

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

Ohio$420 – $1,290

Liability: $420Avg: $1,290Full: $1,290

North DakotaFull rates, age breakdown, requirements →OhioFull 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, North Dakota or Ohio?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $1,360 in North Dakota - a difference of $70 per year.

How do North Dakota and Ohio compare on fault systems?

North Dakota uses a no-fault system while Ohio uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

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

North Dakota requires 25/50 / 25 liability. Ohio requires 25/50 / 25 liability. Minimum liability costs $440/yr in North Dakota and $420/yr in Ohio.

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

Ohio has a higher uninsured driver rate at 12.4%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Ohio 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

North Dakota

Ohio

Avg Annual Premium

$1,360

$1,290

Min Liability

$440

$420

Full Coverage

$1,360

$1,290

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

12.4%

Registered Vehicles

638,780

9,675,180

Accidents/Year

9,581

145,127

Population

779,000

11,799,000