Minnesota vs West Virginia Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $160/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 9.3%).

Rate & Coverage Comparison

Attribute	Minnesota	West Virginia
Avg Annual Premium	$1,560	$1,720
Min Liability	$510	$560
Full Coverage	$1,560	$1,720
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.9%	9.3%
Registered Vehicles	4,679,740	1,471,080
Accidents/Year	70,196	22,066
Population	5,707,000	1,794,000

Minimum Coverage Requirements

Minnesota

30/60 / 10 liability

West Virginia

25/50 / 25 liability

Premium Comparison

Minnesota$510 – $1,560

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

West Virginia$560 – $1,720

Liability: $560Avg: $1,720Full: $1,720

MinnesotaFull rates, age breakdown, requirements →West 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 West Virginia?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,720 in West Virginia - a difference of $160 per year.

How do Minnesota and West Virginia compare on fault systems?

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

Minnesota requires 30/60 / 10 liability. West Virginia requires 25/50 / 25 liability. Minimum liability costs $510/yr in Minnesota and $560/yr in West Virginia.

Which state has more uninsured drivers, Minnesota or West Virginia?

West Virginia has a higher uninsured driver rate at 9.3%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Minnesota vs West 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

West Virginia

Avg Annual Premium

$1,560

$1,720

Min Liability

$510

$560

Full Coverage

$1,560

$1,720

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.9%

9.3%

Registered Vehicles

4,679,740

1,471,080

Accidents/Year

70,196

22,066

Population

5,707,000

1,794,000