North Dakota vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

North Dakota is $70/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 6.0%).

Rate & Coverage Comparison

Attribute	North Dakota	Wyoming
Avg Annual Premium	$1,360	$1,430
Min Liability	$440	$470
Full Coverage	$1,360	$1,430
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	5.8%
Registered Vehicles	638,780	473,140
Accidents/Year	9,581	7,097
Population	779,000	577,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Wyoming

25/50 / 20 liability

Premium Comparison

North Dakota$440 – $1,360

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

Wyoming$470 – $1,430

Liability: $470Avg: $1,430Full: $1,430

North DakotaFull rates, age breakdown, requirements →WyomingFull 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 Wyoming?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,430 in Wyoming - a difference of $70 per year.

How do North Dakota and Wyoming compare on fault systems?

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

North Dakota requires 25/50 / 25 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $440/yr in North Dakota and $470/yr in Wyoming.

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

North Dakota has a higher uninsured driver rate at 6.0%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota vs Wyoming 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

Wyoming

Avg Annual Premium

$1,360

$1,430

Min Liability

$440

$470

Full Coverage

$1,360

$1,430

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

5.8%

Registered Vehicles

638,780

473,140

Accidents/Year

9,581

7,097

Population

779,000

577,000