Best Cheap Auto Insurance in West Virginia (2024)

On average, West Virginia drivers pay $138 per month for liability-only insurance.

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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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Updated February 26, 2024 at 11:00 AM PST

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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.

Quick Facts
  • West Virginia drivers pay an average of $256 per month for full-coverage insurance.

  • Auto insurers in West Virginia can consider your credit history when determining your premium.[2]

  • West Virginia is an at-fault state, so the driver who causes an accident is responsible for the other driver’s costs for vehicle damage and bodily injury.[3]

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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

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.
4.4
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.
$54/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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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.
4.3
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.
$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.
$65/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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

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.
4.4
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

Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.

linda - August 9, 2023
Verified

I have been with Erie for 73 years. No problems!.

William - July 17, 2023
Verified

My agent was always there for me.

Dinah - December 4, 2022
Verified
Read our Erie Insurance review

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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm33
USAA40
Erie40
GEICO60
Liberty Mutual68
Progressive72
Clearcover75
Nationwide75
Allstate84
Direct Auto87
Dairyland89
Midvale Home & Auto92
Foremost100
CSAA113
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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
State Farm54
USAA65
Erie66
GEICO99
Progressive117
Nationwide123
State Auto136
Allstate137
Clearcover138
Liberty Mutual147
Midvale Home & Auto158
Direct Auto182
CSAA203
Dairyland241
Foremost250
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.

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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:

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 coverage 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, this coverage 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.

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]

Find Car Insurance with an Accident in West Virginia

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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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm7244
USAA8854
Erie9859
GEICO13582
Progressive165102
Nationwide169103
Allstate186114
Clearcover200109
Liberty Mutual21499
Direct Auto258123
CSAA286159
Dairyland338125
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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm7546
USAA9256
Erie10060
GEICO14085
Progressive172106
Nationwide175107
Allstate193118
Liberty Mutual222103
Clearcover237129
Direct Auto268128
CSAA301167
Dairyland347128
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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm9055
Erie9960
USAA10967
GEICO165100
Progressive195120
Nationwide205125
Allstate229140
Clearcover231125
Liberty Mutual246114
Direct Auto275132
CSAA339189
Dairyland403149
Foremost418167
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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm2616
Erie3219
USAA3622
Progressive5131
GEICO5332
Nationwide5836
Allstate7646
Liberty Mutual8238
Direct Auto9847
Clearcover11060
Dairyland14353
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, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm9860
USAA11470
Erie12777
GEICO166101
Progressive221136
Nationwide222136
Allstate254156
Clearcover261142
Liberty Mutual264122
Direct Auto349167
CSAA358199
Dairyland415153
Foremost473189
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

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Based on 3,806+ reviews
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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.

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?

    On average, West Virginia drivers pay $197 per month for car insurance. Liability-only coverage costs $138 per month, while full coverage is $256 per month. Your specific premium depends on your insurer, driving record, credit history, age, location, and more.

  • 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 4.4 Insurify Quality (IQ) Score, A++ (Superior) A.M. 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.

  • 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.

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. West Virginia Health Care Authority. "West Virginia State Health Plan." Accessed July 28, 2023
  2. West Virginia Offices of the Insurance Commissioner. "West Virginia Insurance Bulletin No. 20 – 12." Accessed July 28, 2023
  3. NOLO. "West Virginia Car Insurance Requirements." Accessed July 28, 2023
  4. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed July 28, 2023
  5. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 28, 2023
  6. State of West Virginia Offices of the Insurance Commissioner. "West Virginia Informational Letter No. 193." Accessed July 28, 2023
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 28, 2023
  8. West Virginia Department of Motor Vehicles. "Point System." Accessed July 28, 2023
  9. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed July 28, 2023
  10. Insurance Information Institute. "Auto insurance for teen drivers." Accessed July 28, 2023
  11. Insurance Information Institute. "How to save money on car insurance." Accessed July 28, 2023
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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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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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