Cheap Car Insurance in West Virginia (With Quotes, May 2022)

There are many reasons to jump in the car when you live in West Virginia, from the rolling hills and mountains to the nearly 80,000 miles of open road. The Mountain State drivers also enjoy cheap car insurance that’s less expensive than the national average. Our guide to West Virginia auto insurance can help you find the cheapest rates so you can hit the road without worry.

A car insurance policy doesn’t have to break the bank. Insurify gathered average quotes from some of the top providers in the state and found these ultra-affordable rates for West Virginians.

Cheapest Liability Auto Insurance in West Virginia

Buying state minimum liability coverage is one way to keep your car insurance costs down. In West Virginia, all drivers must carry $25,000 of bodily injury liability insurance per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident, as well as uninsured motorist coverage with the same minimum coverage limits. Here’s what you can expect to pay for car insurance that just meets the state’s minimum requirements.

Cheapest Full-Coverage Auto Insurance in West Virginia

Full-coverage car insurance covers more than a liability-only policy. With a full-coverage policy, you’ll usually receive comprehensive insurance and collision insurance. Collision insurance is for when you collide with something, like another car or a telephone pole, while comprehensive covers other perils. You’ll pay higher auto insurance rates than you would with a liability policy, but you’re also more protected in case of an accident.

The cheapest doesn’t always mean the best—but it doesn’t always mean the most expensive either. You can often find great insurance providers at rates you can still afford. We ranked the top insurance companies in West Virginia according to their Insurify Composite Score, a proprietary rating system that determines the best insurance providers in the state.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Your driving history is hugely important when it comes to determining your monthly premiums. Insurance companies like to insure good drivers, and they reward them for good driving with lower rates. Here’s how your rates can vary depending on what your driving record looks like.

See More: High-Risk Car Insurance West Virginia

Cheap Car Insurance for Good Drivers in West Virginia

A good driver is someone with a clean driving record that has no violations on it. These drivers are considered to be at low risk of causing an accident. As you can see, they can expect to pay relatively low rates from all the insurance companies we researched.

Cheap Car Insurance for Drivers with DUI in West Virginia

Drivers with DUIs can expect to pay higher rates in most cases because they’re considered to be higher risks than someone with a clean record. However, even if you have a DUI, you can often still find affordable coverage. These are the cheapest car insurance companies we found for drivers with DUIs.

See More: SR-22 Insurance West Virginia

SR-22 Insurance in West Virginia

SR-22 forms are for drivers who have committed serious driving offenses, like DUIs. They prove that you are carrying the state minimum requirements for insurance. Here are some of the insurance companies that offer SR-22s in West Virginia.

Cheap Car Insurance for Drivers with an At-Fault Accident in West Virginia

Causing an accident shows insurance companies that you’re risky to insure, which means your rates will go up. One at-fault accident can negatively impact your insurance for up to three to five years, making it crucial to shop around and find better rates. Here are the best rates we found for West Virginia drivers with at least one at-fault accident on their records.

Cheap Car Insurance for Drivers with Speeding Tickets in West Virginia

Insurance companies consider speeding tickets an indicator of risk, just like DUIs and other moving violations. Speeding tickets can stay on your record for three to five years, but you can still find affordable insurance if you look around. We found these average monthly quotes for West Virginia drivers with at least one speeding ticket.

See More: Bad Credit Car Insurance West Virginia

Credit scores are another metric that car insurance companies use to determine risk and insurance premiums. Drivers with good credit tend to find better rates than people with poor credit. Some states don’t allow insurers to factor in your credit score at all, while others restrict how insurers use credit scores. However, Virginia is not one of those states.

Car insurance costs in West Virginia can vary significantly by city. We analyzed the average monthly car insurance costs for these 10 West Virginia cities.

Because of their relative inexperience when it comes to driving, young drivers have a higher risk profile, which means higher premiums. More mature drivers can expect their insurance premiums to drop the older they get until they reach their senior years, at which time rates tend to start going up again. These quotes demonstrate how much premiums can vary depending on how old you are, from teen drivers to people in their 80s.

Every state has minimum insurance requirements, and West Virginia is no exception. Additionally, all drivers in West Virginia will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in West Virginia.

Minimum Car Insurance Requirements in West Virginia

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.

West Virginia DMV Information

The West Virginia Division of Motor Vehicles handles many important tasks related to driving, such as issuing and renewing driver’s licenses, ID cards, license plates, and car registrations. They also issue vehicle titles.

Public Transportation in West Virginia

There is no statewide public transportation, but 32 counties are served by 18 public transit agencies that provide transportation services. Some serve individual cities, like how the Weirton Transit Corporation serves the City of Weirton area. Others are regional and serve several counties.

The best thing you can do to find cheap car insurance is to compare quotes from different insurance companies. Insurify simplifies the process by bringing together quotes from all the top insurers, making it easy to see which policies offer the best combination of low rates and good reviews.