North Dakota vs Oregon 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 8.4%).

Rate & Coverage Comparison

Attribute	North Dakota	Oregon
Avg Annual Premium	$1,360	$1,680
Min Liability	$440	$550
Full Coverage	$1,360	$1,680
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	8.4%
Registered Vehicles	638,780	3,475,160
Accidents/Year	9,581	52,127
Population	779,000	4,238,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Oregon

25/50 / 20 liability

Premium Comparison

North Dakota$440 – $1,360

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

Oregon$550 – $1,680

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

North DakotaFull rates, age breakdown, requirements →OregonFull 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 Oregon?

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

How do North Dakota and Oregon compare on fault systems?

North Dakota uses a no-fault system while Oregon 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 Oregon?

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

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

Oregon has a higher uninsured driver rate at 8.4%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Oregon 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

Oregon

Avg Annual Premium

$1,360

$1,680

Min Liability

$440

$550

Full Coverage

$1,360

$1,680

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

8.4%

Registered Vehicles

638,780

3,475,160

Accidents/Year

9,581

52,127

Population

779,000

4,238,000