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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
White water rafting, fireflies dancing through summer nights, and picturesque county roads all give 1.8 million West Virginians a reason to jump in the car. Or maybe everything is closed for deer season, and it’s time for a drive. No matter where you go, you’re never too far from a neighbor’s porch, pepperoni rolls, or pawpaw.
Here are the cheapest carriers in West Virginia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in West Virginia.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $55/mo |
 Allstate | $59/mo |
 State Farm | $87/mo |
 Nationwide | $89/mo |
 Liberty Mutual | $140/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in West Virginia. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Quotes | |
|---|---|---|
Nationwide | $89/mo | |
 American Family | $231/mo | |
State Farm | $87/mo | |
Allstate | $59/mo | |
Liberty Mutual | $140/mo | |
Progressive | $55/mo |
Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in West Virginia to find you the cheapest quotes in each of these metropolitan areas.
Charleston is the most populous city in West Virginia.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Charleston | Progressive | $67/mo |
| Huntington | Progressive | $56/mo |
| Morgantown | Progressive | $58/mo |
| Parkersburg | Progressive | $60/mo |
| Wheeling | Progressive | $56/mo |
| Weirton | Progressive | $58/mo |
| Fairmont | Progressive | $59/mo |
| Martinsburg | Progressive | $55/mo |
| Beckley |  Allstate | $70/mo |
| Clarksburg | Progressive | $58/mo |
| Vienna | Progressive | $60/mo |
| Bluefield | Progressive | $59/mo |
| Moundsville | Progressive | $55/mo |
| Bridgeport | Allstate | $61/mo |
| Oak Hill | Allstate | $68/mo |
| Dunbar | Progressive | $66/mo |
| Elkins | Progressive | $61/mo |
| Nitro | Progressive | $64/mo |
| Hurricane | Progressive | $64/mo |
| Princeton |  Liberty Mutual | $168/mo |
The state of West Virginia requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in West Virginia are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits West Virginia state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liability insurance requirements in West Virginia are:
Property Damage Liability coverage pays for any property that you damage in an accident. The state of West Virginia requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the Property Damage Liability. Once again, any damages above the $25,000 are your responsibility.
Here are the cheapest insurance companies in West Virginia based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
For West Virginia drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in West Virginia, at $55 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | Quotes |
|---|---|
Progressive | $55/mo |
Allstate | $59/mo |
State Farm | $87/mo |
Nationwide | $89/mo |
Liberty Mutual | $140/mo |
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | Quotes |
|---|---|
Erie | $34/mo |
State Farm | $39/mo |
USAA | $47/mo |
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | Quotes |
|---|---|
USAA | $24/mo |
Erie | $27/mo |
Westfield | $42/mo |
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | Quotes |
|---|---|
Erie | $34/mo |
State Farm | $39/mo |
USAA | $47/mo |
If you’re under 40 years old in the state of West Virginia, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Erie offers the cheapest car insurance rates for young drivers, averaging $23 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, West Virginia 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young West Virginians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | Quotes |
|---|---|
Erie | $23/mo |
USAA | $25/mo |
State Farm | $33/mo |
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of West Virginia on your behalf.
West Virginia Division of Motor Vehicles (DMV) has 24 regional offices and an exam center in Fairmont. You can check for the nearest location here. The DMV is walk-in friendly, but you must be in an office an hour before closing for driver’s license testing. The online portal lets you skip the drive and do several transactions. You can:
New residents must register their vehicles within 30 days with the following documents:
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of West Virginia offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Wheeling won Insurify's Most Patriotic Cities Award for the state of West Virginia. The city is notable for remaining loyal to the Union during the Civil War, precipitating the establishment of the state of West Virginia.
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in West Virginia is vital for all car insurance shoppers hitting the road in The Mountain State.
