How your age affects your West Virginia car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
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.
Quotes for younger drivers
Although car insurance rates overall in West Virginia are lower than in many other states, younger drivers are still likely to pay more. Insurance companies take into account the relative inexperience of drivers younger than 25, and their likelihood of filing a claim, when deciding car insurance rates. Drivers with infractions on their record will pay even more.
The table below provides some insight into how certain traffic violations can affect car insurance rates for young drivers in West Virginia.
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.
Quotes for middle-aged drivers
The majority of West Virginia residents are middle-aged, according to Census Bureau data.[8] Middle-aged drivers typically pay less for car insurance than their younger peers. However, accidents and DUIs can push rates higher. Here’s a look at monthly average car insurance rates for middle-aged West Virginia drivers with a DUI conviction on their records.
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.
Quotes for senior drivers
Although senior drivers typically pay the lowest car insurance rates of any age group, a conviction for driving while under the influence can significantly affect their car insurance rates. The table below illustrates the impact of a DUI on average monthly rates for senior drivers in West Virginia.
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.