North Dakota vs Tennessee Car Insurance

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

Quick Verdict

More Affordable

North Dakota is $280/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 16.7%).

Rate & Coverage Comparison

Attribute	North Dakota	Tennessee
Avg Annual Premium	$1,360	$1,640
Min Liability	$440	$540
Full Coverage	$1,360	$1,640
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	16.7%
Registered Vehicles	638,780	5,666,200
Accidents/Year	9,581	84,993
Population	779,000	6,910,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Tennessee

25/50 / 15 liability

Premium Comparison

North Dakota$440 – $1,360

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

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

North DakotaFull rates, age breakdown, requirements →TennesseeFull 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 Tennessee?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,640 in Tennessee - a difference of $280 per year.

How do North Dakota and Tennessee compare on fault systems?

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

North Dakota requires 25/50 / 25 liability. Tennessee requires 25/50 / 15 liability. Minimum liability costs $440/yr in North Dakota and $540/yr in Tennessee.

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

Tennessee has a higher uninsured driver rate at 16.7%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Tennessee 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

Tennessee

Avg Annual Premium

$1,360

$1,640

Min Liability

$440

$540

Full Coverage

$1,360

$1,640

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

16.7%

Registered Vehicles

638,780

5,666,200

Accidents/Year

9,581

84,993

Population

779,000

6,910,000