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.
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.
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 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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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 $122 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 $171 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 $187 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
9.3
$55
$33
Cheap rates
USAA
9.4
$66
$39
Drivers with a speeding ticket
Erie
9.0
$67
$40
Teen 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
Best insurer for drivers with a speeding ticket: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$67/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
They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.
Eduard - July 24, 2024
Verified
Price, Service, Coverage - Everything is Very Good
Everything is as expected.
Teresa - July 23, 2024
Verified
Erie Insurance is a Great Insurance
I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.
…
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
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $171 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.
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]
The minimum coverage requirements provide financial protection in the event of an accident, but you can opt for additional coverage to protect you and your vehicle. Consider the following optional coverages:
Comprehensive coverage
If your vehicle sustains damages due to theft, vandalism, severe weather, or other non-collision incidents, comprehensive insurance helps pay for repairs.
Collision coverage
Whether or not you cause an accident, collision insurance helps pay for vehicle damage due to a crash.
Medical payments coverage
This optional insurance policy kicks in to cover some of the medical bills for you and your passengers following an accident.
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 $112 per month for liability-only policies, according to Insurify data.
Find Car Insurance with an Accident in West Virginia
Insurify partners with 100+ top auto insurers to provide free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $290 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: Monday, July 1 at 12:00 PM PDT.
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.
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 party’s injuries and damages. Your insurance rates will most likely increase when it’s 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 $281 for full coverage and $120 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $315 per month for full coverage and $134 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: Monday, July 1 at 12:00 PM PDT.
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.
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 $120 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: Monday, July 1 at 12:00 PM PDT.
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.
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 – $341 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: Monday, July 1 at 12:00 PM PDT.
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.
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
Insurify partners with 100+ top auto insurers to provide free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
West Virginia car insurance quotes by credit tier
Drivers in West Virginia can expect their credit 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.
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 $171 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 Farm’s 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 9.3 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]
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.
Nolo. "The Minimum West Virginia Auto Insurance Requirements."
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.
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.
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 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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State Farm
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