North Dakota vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

North Dakota is $400/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 7.6%).

Rate & Coverage Comparison

Attribute	North Dakota	Pennsylvania
Avg Annual Premium	$1,360	$1,760
Min Liability	$440	$580
Full Coverage	$1,360	$1,760
Fault System	No-Fault	No-Fault
Uninsured Rate	6.0%	7.6%
Registered Vehicles	638,780	10,662,460
Accidents/Year	9,581	159,936
Population	779,000	13,003,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

North Dakota$440 – $1,360

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

North DakotaFull rates, age breakdown, requirements →PennsylvaniaFull 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 Pennsylvania?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,760 in Pennsylvania - a difference of $400 per year.

How do North Dakota and Pennsylvania compare on fault systems?

North Dakota uses a no-fault system while Pennsylvania uses a no-fault system. Both states use the same system.

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

North Dakota requires 25/50 / 25 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $440/yr in North Dakota and $580/yr in Pennsylvania.

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

Pennsylvania has a higher uninsured driver rate at 7.6%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Pennsylvania 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

Pennsylvania

Avg Annual Premium

$1,360

$1,760

Min Liability

$440

$580

Full Coverage

$1,360

$1,760

Fault System

No-Fault

Uninsured Rate

6.0%

7.6%

Registered Vehicles

638,780

10,662,460

Accidents/Year

9,581

159,936

Population

779,000

13,003,000