Cheapest Auto Insurance in West Virginia (2024)

State Farm offers the cheapest car insurance in West Virginia, with minimum-coverage rates as low as $33 per month.

Katie Powers
Written byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated June 13, 2024

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Cheapest recent rates in West Virginia

Recent West Virginia car insurance prices for Subaru, RAM, Toyota , and more.

*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 more than 80% of its population live in rugged terrain.[1]

Smaller communities in rugged terrain areas can mean less road congestion and fewer accidents, which helps explain West Virginia’s lower car insurance costs. Car insurance in West Virginia costs an overall average of $124 per month, compared to the national average rate of $160, according to Insurify data. Your premium may be more or less than the average, depending on many factors.

It’s a good idea to compare car insurance quotes from multiple companies to find the most affordable coverage for your needs. Here’s how to find the best car insurance in West Virginia.

Quick Facts
  • Full-coverage car insurance averages $174 per month in West Virginia. Liability-only policies average $73 per month.

  • State Farm, USAA, and Erie are the cheapest car insurance companies in West Virginia.

  • West Virginia drivers with incidents on their records pay an overall average of $192 per month for car insurance.

3 of the cheapest car insurance companies in West Virginia

Various factors affect car insurance costs, including your age, ZIP code, driving record, vehicle, and credit history. 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 cheapest insurance companies in West Virginia.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$55$33Cheap rates
USAA4.7$66$39Drivers with a speeding ticket
Erie4.6$66$40Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$33/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

State Farm is a well-known insurer that sells products in most states. In West Virginia, the company offers some of the cheapest options in the state for liability-only and full-coverage car insurance. Most customers report positive experiences working with local agents and appreciate the digital access for claims. Discounts can help keep costs down even more.

As a company, State Farm has an A++ (Superior) AM Best financial strength rating and a below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC).

Pros
  • Cheapest average rates in West Virginia

  • You can work with independent agents

Cons
  • No gap insurance

  • Mixed customer reviews about the claims process on the Better Business Bureau (BBB) website

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for drivers with a speeding ticket: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo

A members-only insurance company, USAA only sells coverage to active, reserve, and retired military personnel and their eligible family members. This company offers full-service banking, including checking accounts, retirement services, and investing.

USAA offers various auto insurance discounts, including bundling discounts. It also has an A++ (Superior) AM Best financial strength rating and a below-average number of customer complaints filed with the NAIC.

Pros
  • SafePilot program can lower costs by up to 30%

  • Extensive discounts

Cons
  • Only available to military members, veterans, and their families

  • Limited hours for phone support

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best insurer for teen drivers: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo

Car insurance from Erie is only available in a handful of states, but West Virginia is one of them. The company offers an appealing Rate Lock feature, which guarantees that premiums won’t increase. Rates are competitive for drivers in West Virginia, especially for young drivers.

Erie earned an A+ financial strength rating from A.M. Best and a below-average number of customer complaints filed with the NAIC.

Pros
  • High J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Rate Lock guarantee to avoid price increases

Cons
  • Doesn’t offer usage-based coverage

  • You can’t buy a policy or file a claim online

Read our Erie Insurance review
George - June 6, 2024
Verified

Poor

I love you all, but I don't understand why my insurance went up.

Teresa - June 3, 2024
Verified

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

Niomi - June 3, 2024
Verified

Shank and Miles

I had them for years with no complaints. Then, all of a sudden, with no warning, my rate goes up by $50 a month. Nobody has an explanation, nor was I notified. I haven't had tickets in over a decade and I have a new car with all the safety bells and whistles. So, why is it so much?

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, vehicle, and driving record. Even though some of these factors are out of your control, you can find ways to lower your car insurance costs:

  • 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.

Compare Car Insurance Quotes in West Virginia

Rates start at $33/mo. for minimum coverage

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Cheapest liability-only car insurance in West Virginia: State Farm

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. It doesn’t cover any expenses related to your bodily injury or property damage.

In West Virginia, the average cost for liability insurance is $73 per month. The following insurers offer the lowest quotes in the state.

10 cheapest insurers for liability-only

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

Cheapest full-coverage car insurance in West Virginia: State Farm

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.[2]

You should consider this coverage if you have a new or expensive vehicle or you can’t afford potentially high out-of-pocket costs. 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 $174 per month.

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

10 cheapest insurers for full coverage

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

Cheapest recent rates in West Virginia

Recent West Virginia car insurance prices for RAM, Toyota, Subaru , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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.

Drivers must have the following coverage amounts to meet the state minimum requirements:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury coverage$25,000 per person / $50,000 per accident
Uninsured/underinsured property damage coverage$25,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

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

To determine the amount of coverage you want, you should consider all aspects of your finances, including the value of your vehicle and your ability to pay out-of-pocket for repairs.

“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, affects your rates significantly. 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 should compare quotes from different insurers to find the best deal.[4]

In West Virginia, drivers with an incident on their motor vehicle records pay an average of $113 per month for liability-only policies, according to Insurify data.

Find Car Insurance with an Accident in West Virginia

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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.

A speeding ticket in West Virginia pushes the average cost of full coverage to $294 per month, and liability-only coverage increases to an average of $124 per month. Here are the cheapest car insurance companies in West Virginia for drivers with a speeding ticket and how the rates compare to drivers with a clean record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$33$47
USAA$39$56
Erie$40$58
GEICO$60$86
Progressive$71$102
Liberty Mutual$74$116
Nationwide$74$107
Direct Auto$77$111
Clearcover$78$112
Allstate$83$118
Root$88$133
Dairyland$89$128
Foremost$96$150
Midvale Home & Auto$99$146
CSAA$104$152
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: State Farm

If you cause an accident, your insurance company will be responsible for paying for the other partys injuries and damages. Your insurance rates will most likely increase when its time to renew your policy. The accident doesn’t stay on your driving record indefinitely, but it typically affects your insurance rates for three to five years.[5]

West Virginia drivers with an at-fault accident on their records face average monthly car insurance costs of $288 for full coverage and $121 for liability-only policies. Consider the following insurers if you have an at-fault accident in West Virginia.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyClean Driving RecordWith Accident
State Farm$33$47
USAA$39$56
Erie$40$59
GEICO$60$87
Progressive$71$104
Liberty Mutual$74$116
Nationwide$74$108
Direct Auto$77$114
Clearcover$78$119
Allstate$83$120
Root$88$134
Dairyland$89$129
Foremost$96$151
Midvale Home & Auto$99$151
CSAA$104$157
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: State Farm

Driving under the influence of alcohol or drugs is a serious offense in every state. Drivers with a conviction can expect their car insurance rates to increase substantially. Some insurance companies will refuse to renew your coverage after a DUI conviction, but some insurers specialize in coverage after a DUI.

On average, West Virginia drivers with a DUI pay $323 per month for full coverage and $135 for minimum coverage. See how quotes for drivers with a clean record compare to those for drivers with a DUI in West Virginia.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyClean Driving RecordWith DUI
State Farm$33$58
USAA$39$69
Erie$40$71
GEICO$60$106
Progressive$71$126
Liberty Mutual$74$131
Nationwide$74$131
Direct Auto$77$136
Clearcover$78$138
Allstate$83$147
Root$88$156
Dairyland$89$158
Foremost$96$170
Midvale Home & Auto$99$175
CSAA$104$184
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: State Farm

Insurance companies consider your age as a factor when determining rates. Rates typically decrease steadily in adulthood between the ages of 25 and 70, thanks to years of driving experience. But as drivers deal with new age-related risks, insurers may increase prices again after age 70.[6]

Senior drivers in the Mountain State pay an average of $121 per month for full coverage and $51 for liability-only coverage. 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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyFull Coverage Liability Only
State Farm$39$23
Erie$45$27
USAA$48$29
GEICO$73$44
Progressive$77$46
Nationwide$85$51
Allstate$102$61
Root$107$67
Midvale Home & Auto$108$69
Direct Auto$116$55
Clearcover$117$57
Liberty Mutual$125$54
CSAA$143$74
Foremost$171$69
Dairyland$180$66
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: State Farm

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.[7]

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.

Teen drivers in West Virginia face the highest average monthly car insurance rates – $348 for full coverage and $146 for minimum coverage. 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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyFull Coverage Liability Only
State Farm$99$59
USAA$116$69
Erie$118$71
GEICO$167$100
Nationwide$224$134
Progressive$225$135
Root$230$143
Allstate$255$154
Midvale Home & Auto$285$182
Direct Auto$316$148
Clearcover$325$159
Liberty Mutual$334$145
CSAA$346$181
Dairyland$435$158
Foremost$448$180
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.

Find Car Insurance in West Virginia

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West Virginia car insurance quotes by credit tier

Drivers in West Virginia can expect their credit history to affect their car insurance rates. Car insurance companies use information from your credit history to create a credit-based insurance score that helps them estimate your risk of filing a claim. 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 poor credit, 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 tier.

Rates by Credit Tier

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

West Virginia car insurance FAQs

You should decide on the right amount of coverage for you before shopping around for car insurance. The information below can help you navigate the process of finding cheap car insurance in West Virginia.

  • How much is car insurance in West Virginia?

    The average cost of car insurance in West Virginia is $174 per month for full coverage and $73 for liability only. Your specific premium depends on your insurer, driving record, credit history, age, location, and more.

  • What are the cheapest car insurance companies in West Virginia?

    State Farm, USAA, and Erie are the three cheapest insurers in West Virginia. State Farms liability policies start at $33 per month. USAA and Erie have liability rates as low as $39 and $40, respectively.

  • What are the best car insurance companies in West Virginia?

    State Farm is the best car insurance company in West Virginia due to its high Insurify Quality (IQ) Score of 4.6 out of 5, A++ (Superior) AM Best rating, and low rates. Other top insurers include Erie and USAA.

  • Do you need car insurance in West Virginia?

    Yes. Drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. You also need to purchase the same limits for uninsured/underinsured motorist bodily injury and property damage coverage.[3]

  • Is West Virginia a no-fault state?

    No. West Virginia is an at-fault state. This means the driver who causes an accident is responsible for covering the medical expenses and vehicle damage of the other driver.[8]

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Department of Agriculture Economic Research Service. "West Virginia has highest share of people living in rugged terrain."
  2. III. "Auto insurance basics—understanding your coverage."
  3. West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
  4. III. "What determines the price of an auto insurance policy?."
  5. West Virginia Division of Motor Vehicles. "Points System."
  6. III. "Senior driving safety and insurance tips."
  7. III. "Auto insurance for teen drivers."
  8. Nolo. "The Minimum West Virginia Auto Insurance Requirements."
Katie Powers
Katie PowersAuto and Life Insurance Editor

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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