North Dakota vs Virginia Car Insurance

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

Quick Verdict

More Affordable

North Dakota is $220/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 9.6%).

Rate & Coverage Comparison

Attribute	North Dakota	Virginia
Avg Annual Premium	$1,360	$1,580
Min Liability	$440	$520
Full Coverage	$1,360	$1,580
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	9.6%
Registered Vehicles	638,780	7,077,420
Accidents/Year	9,581	106,161
Population	779,000	8,631,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

Virginia

30/60 / 20 liability

Premium Comparison

North Dakota$440 – $1,360

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

Virginia$520 – $1,580

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

North DakotaFull 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, North Dakota or Virginia?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,580 in Virginia - a difference of $220 per year.

How do North Dakota and Virginia compare on fault systems?

North Dakota 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 North Dakota vs Virginia?

North Dakota requires 25/50 / 25 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $440/yr in North Dakota and $520/yr in Virginia.

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

Virginia has a higher uninsured driver rate at 9.6%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota 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

North Dakota

Virginia

Avg Annual Premium

$1,360

$1,580

Min Liability

$440

$520

Full Coverage

$1,360

$1,580

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

9.6%

Registered Vehicles

638,780

7,077,420

Accidents/Year

9,581

106,161

Population

779,000

8,631,000