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: Monday, September 18 at 12:00 PM PDT. 

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.

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Insurance Company	Average Monthly Quote
State Farm	33
USAA	40
Erie	40
GEICO	60
Liberty Mutual	65
State Auto	67
Progressive	71
Allstate	84
Direct Auto	88
Dairyland	89
Midvale Home & Auto	91
Clearcover	91
Foremost	99
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: Monday, September 18 at 12:00 PM PDT. 

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
Nationwide	77
GEICO	99
Progressive	117
Liberty Mutual	133
Allstate	137
Clearcover	146
State Auto	149
Midvale Home & Auto	157
Direct Auto	186
CSAA	203
Dairyland	236
Foremost	240

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: Monday, September 18 at 12:00 PM PDT. 

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	83	51
USAA	100	62
Erie	102	62
GEICO	153	93
Progressive	181	110
Liberty Mutual	206	100
Allstate	212	130
Clearcover	226	141
State Auto	230	104
Midvale Home & Auto	243	141
Direct Auto	287	136
CSAA	314	176
Dairyland	365	138
Foremost	371	153

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: Monday, September 18 at 12:00 PM PDT. 

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	85	52
USAA	102	63
Erie	104	63
GEICO	156	95
Progressive	184	112
Liberty Mutual	210	102
Allstate	216	132
Clearcover	230	143
State Auto	235	106
Midvale Home & Auto	247	143
Direct Auto	293	139
CSAA	320	180
Dairyland	372	140
Foremost	378	156

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: Monday, September 18 at 12:00 PM PDT. 

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	96	59
USAA	115	71
Erie	117	71
GEICO	176	107
Progressive	208	126
Liberty Mutual	236	115
Allstate	243	149
Clearcover	259	162
State Auto	265	119
Midvale Home & Auto	279	162
Direct Auto	330	156
CSAA	360	202
Dairyland	419	158
Foremost	426	176

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: Monday, September 18 at 12:00 PM PDT. 

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
USAA	31	19
Erie	32	19
GEICO	48	29
Progressive	57	34
Liberty Mutual	64	31
Allstate	66	41
Clearcover	71	44
State Auto	72	32
Midvale Home & Auto	76	44
Direct Auto	90	43
CSAA	98	55
Dairyland	114	43
Foremost	116	48

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: Monday, September 18 at 12:00 PM PDT. 

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	109	67
USAA	132	81
Erie	134	81
GEICO	200	121
Progressive	237	144
Liberty Mutual	269	132
Allstate	277	170
Clearcover	296	184
State Auto	302	136
Midvale Home & Auto	318	184
Direct Auto	377	178
CSAA	411	231
Dairyland	478	180
Foremost	486	200

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.