Minnesota vs Virginia Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $20/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 9.6%).

Rate & Coverage Comparison

Attribute	Minnesota	Virginia
Avg Annual Premium	$1,560	$1,580
Min Liability	$510	$520
Full Coverage	$1,560	$1,580
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.9%	9.6%
Registered Vehicles	4,679,740	7,077,420
Accidents/Year	70,196	106,161
Population	5,707,000	8,631,000

Minimum Coverage Requirements

Minnesota

30/60 / 10 liability

Virginia

30/60 / 20 liability

Premium Comparison

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

MinnesotaFull rates, age breakdown, requirements →VirginiaFull 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, Minnesota or Virginia?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,580 in Virginia - a difference of $20 per year.

How do Minnesota and Virginia compare on fault systems?

Minnesota uses a no-fault system while Virginia 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 Minnesota vs Virginia?

Minnesota requires 30/60 / 10 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $510/yr in Minnesota and $520/yr in Virginia.

Which state has more uninsured drivers, Minnesota or Virginia?

Virginia has a higher uninsured driver rate at 9.6%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Minnesota vs Virginia 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

Minnesota

Virginia

Avg Annual Premium

$1,560

$1,580

Min Liability

$510

$520

Full Coverage

$1,560

$1,580

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.9%

9.6%

Registered Vehicles

4,679,740

7,077,420

Accidents/Year

70,196

106,161

Population

5,707,000

8,631,000