North Dakota vs Utah Car Insurance

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

Quick Verdict

More Affordable

North Dakota is $250/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 8.2%).

Rate & Coverage Comparison

Attribute	North Dakota	Utah
Avg Annual Premium	$1,360	$1,610
Min Liability	$440	$530
Full Coverage	$1,360	$1,610
Fault System	No-Fault	No-Fault
Uninsured Rate	6.0%	8.2%
Registered Vehicles	638,780	2,683,040
Accidents/Year	9,581	40,245
Population	779,000	3,272,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Utah

25/65 / 15 liability

Premium Comparison

North Dakota$440 – $1,360

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

Utah$530 – $1,610

Liability: $530Avg: $1,610Full: $1,610

North DakotaFull rates, age breakdown, requirements →UtahFull 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 Utah?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,610 in Utah - a difference of $250 per year.

How do North Dakota and Utah compare on fault systems?

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

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

North Dakota requires 25/50 / 25 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $440/yr in North Dakota and $530/yr in Utah.

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

Utah has a higher uninsured driver rate at 8.2%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Utah 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

Utah

Avg Annual Premium

$1,360

$1,610

Min Liability

$440

$530

Full Coverage

$1,360

$1,610

Fault System

No-Fault

Uninsured Rate

6.0%

8.2%

Registered Vehicles

638,780

2,683,040

Accidents/Year

9,581

40,245

Population

779,000

3,272,000