Cheap Auto Insurance Quotes in West Virginia (2021)

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Mountaineers: don't be blue because you paid too much gold on your car insurance.

White water rafting, fireflies dancing through summer nights, and picturesque county roads all give 1.8 million West Virginians a reason to jump in the car. Or maybe everything is closed for deer season, and it’s time for a drive. No matter where you go, you’re never too far from a neighbor’s porch, pepperoni rolls, or pawpaw.

Cheapest Car Insurance in West Virginia

Here are the cheapest carriers in West Virginia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in West Virginia.

Best Car Insurance in West Virginia

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in West Virginia. For the complete list, see Insurify's best car insurance companies.

Car Insurance in West Virginia

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in West Virginia to find you the cheapest quotes in each of these metropolitan areas.

Charleston is the most populous city in West Virginia.

Quotes by Top Carriers
Quotes ($/mo)
$67
$109
$115
ProgressiveState FarmNationwide
Monthly $
CityCheapest Carrier
ProgressiveProgressive
$67/mo
ProgressiveProgressive
$56/mo
ProgressiveProgressive
$58/mo
ProgressiveProgressive
$60/mo
ProgressiveProgressive
$56/mo
ProgressiveProgressive
$58/mo
ProgressiveProgressive
$59/mo
ProgressiveProgressive
$55/mo
AllstateAllstate
$70/mo
ProgressiveProgressive
$58/mo
ProgressiveProgressive
$60/mo
ProgressiveProgressive
$59/mo
ProgressiveProgressive
$55/mo
AllstateAllstate
$61/mo
AllstateAllstate
$68/mo
ProgressiveProgressive
$66/mo
ProgressiveProgressive
$61/mo
ProgressiveProgressive
$64/mo
ProgressiveProgressive
$64/mo
Liberty MutualLiberty Mutual
$168/mo

Cheapest Liability Auto Insurance in West Virginia

For drivers in West Virginia, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in West Virginia. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in West Virginia.

Cheapest Full Coverage Auto Insurance in West Virginia

For drivers in West Virginia, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in West Virginia. The following are the best insurance rates from carriers that offer full coverage auto insurance in West Virginia.

West Virginia Driving Facts

west-virginia

Minimum Car Insurance Requirements in WV

The state of West Virginia requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum  bodily injury liability insurance requirements in West Virginia are:

  • $25,000/$50,000 Bodily Injury Liability per person/accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits West Virginia state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in West Virginia are:

  • $25,000 Property Damage Liability per accident

Property Damage Liability coverage pays for any property that you damage in an accident. The state of West Virginia requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the Property Damage Liability. Once again, any damages above the $25,000 are your responsibility.

Cheapest Car Insurance Quotes in West Virginia by Profile

Here are the cheapest insurance companies in West Virginia based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For West Virginia drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in West Virginia, at $55 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$55/mo
Allstate
$59/mo
State Farm
$87/mo
Nationwide
$89/mo
Liberty Mutual
$140/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Erie
$34/mo
State Farm
$39/mo
USAA
$47/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
USAA
$24/mo
Erie
$27/mo
Westfield
$42/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Erie
$34/mo
State Farm
$39/mo
USAA
$47/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of West Virginia, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Erie offers the cheapest car insurance rates for young drivers, averaging $23 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, West Virginia 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young West Virginians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Erie
$23/mo
USAA
$25/mo
State Farm
$33/mo

SR‌-22 Insurance in West Virginia

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of West Virginia on your behalf.

WV DMV Information

West Virginia Division of Motor Vehicles (DMV) has 24 regional offices and an exam center in Fairmont. You can check for the nearest location here. The DMV is walk-in friendly, but you must be in an office an hour before closing for driver’s license testing. The online portal lets you skip the drive and do several transactions. You can:

  • Buy a personalized plate.
  • Cancel your registration.
  • Change your address.
  • Check your driver’s license status or driving record
  • Pay property taxes or reinstatement fees for suspended licenses.
  • Register as an organ and tissue donor.
  • Request a duplicate registration card, decal, or plate.
  • Renew your registration.

New residents must register their vehicles within 30 days with the following documents:

  • Proof of insurance
  • Proof of ownership (certificate of title or registration from the previous state, must be in the name of applicant)
  • Proof of residency
  • Correct payment

Insurify Insights: How West Virginia Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how West Virginia drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents 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. Among all fifty states, West Virginia drivers rank 43 in the number of car accidents per driver.

  • Rank of States: #43
  • Percent of drivers in West Virginia with an accident: 8.45%
  • Drivers in WV with an accident in their driving history paid on average 44.57% more than drivers with a clean record

Speeding West Virginia

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. West Virginia drivers rank 42 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #42
  • Percent of drivers in West Virginia with a speeding ticket: 7.29%
  • Drivers in WV with a speeding ticket in their driving history paid on average 44.57% more than drivers with a clean record

DUI/DWIs West Virginia

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. West Virginia drivers rank 24 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #24
  • Percent of drivers in West Virginia with a DUI: 1.99%
  • Drivers in WV with a DUI in their driving history paid on average 20.57% more than drivers with a clean record

Most Popular Vehicle West Virginia

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in West Virginia is the Ford F-Series Pickup.

Rude West Virginia

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, West Virginia drivers rank 2 in rude driving infractions.

  • Rank of States: #2
  • Percent of drivers in West Virginia with a reckless driving violation: 1.36%
  • Drivers in WV with a reckless driving violation in their driving history paid on average 45.14% more than drivers with a clean record.

Safest Drivers West Virginia

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; West Virginia drivers rank 6 in clean driving records across all fifty states.

  • Rank of States: #6
  • Percent of drivers in West Virginia with clean record: 84.21%

Street Racing West Virginia

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, West Virginia drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in West Virginia with a street racing violation: --%

Failure to Yield the Right of Way West Virginia

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. West Virginia drivers rank 44 in failure to yield violations per driver across all fifty states.

  • Rank of States: #44
  • Percent of drivers in West Virginia with a failure to yield violation: 0.25%
  • Drivers in WV with a failure to yield violation in their driving history paid on average 76% more than drivers with a clean record

Reckless Drivers 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. Among all fifty states, West Virginia drivers rank 24 in the number of reckless driving offenses per driver.

  • Rank of States: #24
  • Percent of drivers in West Virginia with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership West Virginia

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. West Virginia drivers rank 41 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #41
  • Percent of drivers in West Virginia with a hybrid/electric vehicle: 0.59%

Greenest Cities in West Virginia

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of West Virginia offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities

Wheeling

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Wheeling

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Wheeling won Insurify's Most Patriotic Cities Award for the state of West Virginia. The city is notable for remaining loyal to the Union during the Civil War, precipitating the establishment of the state of West Virginia.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in West Virginia is vital for all car insurance shoppers hitting the road in The Mountain State.

road with cars illustration

Road Rankings

17%Rural Roads in
Poor Condition

#12
Ranked

17%Structurally Deficient
Rural Bridges

#3
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#11
Ranked


FAQs - West Virginia Car Insurance

What happens if I get caught driving uninsured in West Virginia?

The penalties can be harsh. It may be better to find some other form of transportation until you can afford insurance. If you get caught, you could face up to a $5,000 penalty, up to one year of jail time, a 30-day license suspension, $150 registration and license reinstatement fees, and the need for SR-22 filing for three years.

Is my friend covered by my insurance when borrowing my car?

It depends. Most policies will cover your friend under “permissive use,” but some companies only insure those who are named on the policy. If you’re planning to have your friend use the car for over 12 trips, then you may want to add them to your policy. Your premium will most likely increase, but you can always remove them later.

Who has the cheapest car insurance in West Virginia?

The best way to find the cheapest car insurance for West Virginia drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.