Best Cheap Auto Insurance in West Virginia (2023)

Nicknamed the Mountain State, West Virginia is in the nation’s Appalachian region. West Virginia is the third most-forested state in the country, and most residents live in rural communities of fewer than 2,500 people.^[1]

Car insurance in West Virginia costs an average of $197 per month, which exceeds the national average rate of $139. State Farm, USAA, and Erie offer some of the cheapest auto insurance rates in West Virginia. But your specific premium will depend on your driver profile and coverage selections.

Here’s how to find the best car insurance in West Virginia.

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Best car insurance companies in West Virginia

Various factors, including your age, ZIP code, driving record, and credit score, affect car insurance costs. Because of that, it’s always a good idea to shop for the best deal by comparing quotes from different insurers. Each person’s insurance needs and driver profiles vary, so the best insurer for you may not offer the best coverage for another driver.

Here are a few of the best insurance companies with the cheapest rates in West Virginia.

Best insurer for cheap rates: State Farm

Best insurer for drivers with a speeding ticket: USAA

Best insurer for teen drivers: Erie

Cheapest liability-only car insurance in West Virginia

Drivers in West Virginia must have a minimum of liability car insurance. If you cause an accident, this policy type covers the medical expenses and vehicle repairs for the other driver.^[4] It doesn’t cover any expenses related to your bodily injury or property damage.

In West Virginia, the average cost for liability insurance is $138 per month. The following insurers offer the lowest quotes in the state.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
State Farm	33
Erie	40
USAA	40
GEICO	61
Liberty Mutual	67
State Auto	68
Progressive	72
Nationwide	76
Allstate	84
Clearcover	88
Dairyland	89
Direct Auto	89
Midvale Home & Auto	94
Foremost	100
CSAA	114

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in West Virginia

Even though the state doesn’t mandate full-coverage car insurance, policies with more coverage can provide additional financial protection. These policies usually include liability, comprehensive, and collision insurance. Full-coverage policies can sometimes include medical payments coverage as well.^[5]

You should consider this coverage if you have a new or expensive vehicle. And if you lease or finance your vehicle, your lender may require you to purchase full-coverage insurance. In West Virginia, the average cost for a full-coverage policy is $256 per month.

Here are the cheapest full-coverage options for West Virginia drivers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	54
USAA	65
Erie	66
GEICO	99
Progressive	117
Nationwide	123
Allstate	137
Liberty Mutual	139
Clearcover	141
State Auto	147
Midvale Home & Auto	156
Direct Auto	188
CSAA	200
Dairyland	238
Foremost	245

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in West Virginia

As an at-fault state, West Virginia mandates that the driver who causes an accident is responsible for the insurance claim. West Virginia drivers must have liability insurance that includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.^[6]

Drivers must have the following coverage amounts to meet the state minimum requirements:

The minimum coverage requirements provide financial protection in the event of an accident, but you can opt for additional coverage to protect you and your vehicle. Consider the following optional coverages:

• 

  Comprehensive coverage

  If your vehicle sustains damages due to theft, vandalism, severe weather, or other non-collision incidents, comprehensive coverage helps pay for repairs.

• 

  Collision coverage

  Whether or not you cause an accident, this coverage helps pay for vehicle damage due to a crash.

• 

  Medical payments coverage

  This optional insurance policy kicks in to cover some of the medical bills for you and your passengers following an accident.

Determining the amount of coverage you want requires you to consider all aspects of your finances, including the value of your vehicle.

“If you’re insuring an older vehicle, you may decide that you don’t need comprehensive [and] collision coverage, which pay for damage to your own car,” advises Bob Passmore, department vice president of personal lines for the American Property Casualty Insurance Association.

Cheapest car insurance for drivers with an incident

Your driving record, especially if you don’t have a clean driving record, significantly affects your rates. Incidents like driving under the influence (DUI) charges, at-fault accidents, and speeding tickets can cause your premium to increase. If you have an incident on your record, you can compare quotes from different insurers to find the best deal.^[7]

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Cheapest car insurance for drivers with a speeding ticket

One or more speeding tickets on your record can cause your car insurance rates to increase. Finding a good deal with a speeding ticket on your record is still possible, but you need to compare rates.

Here are the cheapest car insurance companies in West Virginia for drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	72	44
USAA	88	54
Erie	96	58
GEICO	134	83
Progressive	164	101
Nationwide	168	104
Liberty Mutual	178	86
Allstate	186	114
Clearcover	196	122
Midvale Home & Auto	221	133
State Auto	221	102
Direct Auto	267	126
CSAA	278	159
Dairyland	331	124

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, insurance companies consider you at fault. The car accident doesn’t stay on your driving record indefinitely, but it typically affects your insurance rates for three to five years.^[8]

Consider the following insurers if you have an at-fault accident in West Virginia.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	75	46
USAA	91	56
Erie	98	60
GEICO	139	86
Progressive	173	106
Nationwide	174	108
Liberty Mutual	180	87
Allstate	192	118
State Auto	227	105
Clearcover	230	144
Midvale Home & Auto	235	142
Direct Auto	278	132
CSAA	296	169
Dairyland	339	127

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Drivers with a driving under the influence (DUI) violation can expect their car insurance rate to increase. Some insurance companies will refuse to renew your coverage after a DUI conviction, but some insurers specialize in coverage after a DUI.

Here are the insurers with the best quotes for drivers with a DUI in West Virginia.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	90	55
USAA	108	67
Erie	110	67
GEICO	165	102
Progressive	195	120
Nationwide	205	127
Allstate	228	140
Liberty Mutual	231	112
Clearcover	235	146
State Auto	245	113
Midvale Home & Auto	260	156
Direct Auto	286	136
CSAA	306	174
Dairyland	396	148
Foremost	408	166

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Insurance companies consider your age as a factor when determining rates. Rates typically decrease steadily in adulthood between the ages of 35 and 75, thanks to years of driving experience. But as drivers deal with new age-related risks, insurers may increase prices again around age 75.^[9]

The following insurers offer the cheapest monthly car insurance quotes for senior drivers in West Virginia.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	26	16
Erie	30	18
USAA	35	22
Progressive	49	30
GEICO	51	32
Nationwide	57	35
Allstate	73	45
Liberty Mutual	78	38
Direct Auto	95	45
CSAA	96	54
Clearcover	113	70
Dairyland	140	52

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Car insurance companies determine premiums based on how likely a driver is to file a claim. Because teenagers have limited driving experience and may engage in unsafe habits like speeding, insurers usually charge high rates for coverage.^[10]

If you need to insure a teenage driver, consider having your teen join your insurance plan, selecting a vehicle with additional safety vehicles, and encouraging your teen to complete a safe driving program to reduce costs. You can also ask your insurance company about good student discounts for younger drivers.

As you compare quotes and shop for the best rate, consider the following insurers for teen drivers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	97	60
USAA	113	70
Erie	126	77
GEICO	165	102
Nationwide	221	137
Progressive	224	138
Allstate	253	155
Liberty Mutual	259	125
Clearcover	267	167
State Auto	279	129
Midvale Home & Auto	280	169
CSAA	348	198
Direct Auto	358	169
Dairyland	411	154
Foremost	465	190

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in West Virginia

Different factors influence how much you pay for car insurance, including your age, credit score, location, and driving record. Even though some of these factors are out of your control, you can find ways to lower your car insurance costs:^[11]

• Seek out discounts. Before you finalize your insurance coverage, get information about potential discounts. For example, you can secure a lower rate by bundling policies or qualifying for a good student discount.

• Maintain good credit. Car insurance companies in West Virginia consider credit scores a factor for rates. Higher scores correlate to lower rates.

• Compare rates. Car insurance rates differ from one insurer to the next, sometimes by hundreds of dollars each year. Get quotes from multiple insurers to find the best deal.

Find Car Insurance in West Virginia

Insurify partners with 70+ top auto insurers to provide free quotes

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

West Virginia car insurance quotes by credit tier

Drivers in West Virginia can expect their credit score to affect their car insurance rates. Car insurance companies use credit scores as a way to determine risk. Even though a few states don’t allow insurers to consider credit scores as a factor, West Virginia does.

You can expect lower rates with an excellent or good credit score. But if you have a poor credit score, your insurance will usually cost more.

Here’s what you can expect to pay in West Virginia for full-coverage insurance based on your credit score tier.

West Virginia car insurance FAQs

Insurify Insights

How West Virginia Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in West Virginia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how West Virginia drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in West Virginia

#38

State with the Most Speeding Tickets Rank

#41

State with the Moving Violations Rank

#27

State with the Most DUIs Rank

#27

State with the most Suspended Licenses

• Accidents in West Virginia

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. West Virginia is the #40 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #40
  • Percent of drivers in West Virginia with an accident: 7.3%
• DUIs in West Virginia

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. West Virginia is the #27 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #27
  • Percent of drivers in West Virginia with a DUI: 1.4%
• Reckless Driving in West Virginia

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. West Virginia is the #41 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #41
  • Percent of drivers in West Virginia with a reckless driving offense: 1%
• Rude Driving in West Virginia

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. West Virginia is the #42 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #42
  • Percent of drivers in West Virginia with a rude driving violation: 1%
• Speeding in West Virginia

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. West Virginia is the #38 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #38
  • Percent of drivers in West Virginia with a speeding ticket: 7%
• Failure to Yield Rates in West Virginia

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. West Virginia is the #19 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #19
  • Percent of drivers in West Virginia with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.