The ute driver was taken to Whangārei Hospital. He is conscious and responding, so the police believe he is out of danger.
Both the drivers were Northland residents.
Whangārei police said the dead woman was returning from work and alcohol was not a factor in her case. However, medical reports are yet to be obtained and police investigations are under way.
A nearby resident told the Northern Advocate he did not hear the crash but saw lights outside his home last night and this morning.