North Dakota vs West Virginia Car Insurance

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

Quick Verdict

More Affordable

North Dakota is $360/yr cheaper on average.

Fewer Uninsured

North Dakota has a lower uninsured rate (6.0% vs 9.3%).

Rate & Coverage Comparison

Attribute	North Dakota	West Virginia
Avg Annual Premium	$1,360	$1,720
Min Liability	$440	$560
Full Coverage	$1,360	$1,720
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.0%	9.3%
Registered Vehicles	638,780	1,471,080
Accidents/Year	9,581	22,066
Population	779,000	1,794,000

Minimum Coverage Requirements

North Dakota

25/50 / 25 liability

West Virginia

25/50 / 25 liability

Premium Comparison

North Dakota$440 – $1,360

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

West Virginia$560 – $1,720

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

North DakotaFull 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, North Dakota or West Virginia?

North Dakota has cheaper car insurance, with an average annual premium of $1,360 compared to $1,720 in West Virginia - a difference of $360 per year.

How do North Dakota and West Virginia compare on fault systems?

North Dakota 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 North Dakota vs West Virginia?

North Dakota requires 25/50 / 25 liability. West Virginia requires 25/50 / 25 liability. Minimum liability costs $440/yr in North Dakota and $560/yr in West Virginia.

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

West Virginia has a higher uninsured driver rate at 9.3%, compared to 6.0% in North Dakota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Dakota 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

North Dakota

West Virginia

Avg Annual Premium

$1,360

$1,720

Min Liability

$440

$560

Full Coverage

$1,360

$1,720

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.0%

9.3%

Registered Vehicles

638,780

1,471,080

Accidents/Year

9,581

22,066

Population

779,000

1,794,000