North Dakota vs Vermont Car Insurance

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

Quick Verdict

More Affordable

Vermont is $360/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 6.8%).

Rate & Coverage Comparison

Attribute	North Dakota	Vermont
Avg Annual Premium	$1,360	$1,000
Min Liability	$440	$330
Full Coverage	$1,360	$1,000
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	6.8%
Registered Vehicles	638,780	527,260
Accidents/Year	9,581	7,908
Population	779,000	643,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Vermont

25/50 / 10 liability

Premium Comparison

North Dakota$440 – $1,360

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

Vermont$330 – $1,000

Liability: $330Avg: $1,000Full: $1,000

North DakotaFull rates, age breakdown, requirements →VermontFull 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 Vermont?

Vermont has cheaper car insurance, with an average annual premium of $1,000 compared to $1,360 in North Dakota - a difference of $360 per year.

How do North Dakota and Vermont compare on fault systems?

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

North Dakota requires 25/50 / 25 liability. Vermont requires 25/50 / 10 liability. Minimum liability costs $440/yr in North Dakota and $330/yr in Vermont.

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

Vermont has a higher uninsured driver rate at 6.8%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Vermont 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

Vermont

Avg Annual Premium

$1,360

$1,000

Min Liability

$440

$330

Full Coverage

$1,360

$1,000

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

6.8%

Registered Vehicles

638,780

527,260

Accidents/Year

9,581

7,908

Population

779,000

643,000