Updated
Cheapest car insurance company in West Virginia: State Farm
Cheapest car insurance rate in West Virginia: $39
Average monthly liability-only car insurance cost in WV: $82
Average monthly full-coverage car insurance cost in WV: $156
Cheapest car insurance quotes in West Virginia
State Farm, USAA, and Erie offer some of the cheapest car insurance in West Virginia. The quotes below are for drivers with clean driving records and good-to-excellent credit. Your rates can also vary depending on your location and coverage options.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $39 | $75 |
| Erie | $48 | $91 |
| USAA | $48 | $90 |
| Progressive | $56 | $122 |
| Safeco | $71 | $131 |
| GEICO | $74 | $142 |
| National General | $80 | $177 |
| Allstate | $90 | $172 |
| Direct Auto | $91 | $189 |
| Dairyland | $96 | $309 |
| Root | $98 | $174 |
| Liberty Mutual | $118 | $199 |
Best-rated insurance companies in West Virginia
To find the best car insurance companies in West Virginia, we considered actual customer reviews alongside AM Best, JD Power, and National Association of Insurance Commissioners (NAIC) ratings. The following four companies are the top choices for coverage options, pricing, and customer service.
Best for full coverage: Erie
| User Reviews | 4.4 |
|---|---|
| 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. | 8.4 /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. | $48/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. | $91/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.0 | 2.9 |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
West Virginia is a rural state and the only state entirely located within the Appalachian region. Erie offers rental reimbursement coverage and roadside assistance, which can help drivers who regularly commute to work.
Low full-coverage rates in West Virginia
Offers a rate-lock feature
Bundling discount of 15%–25%
Must buy policy through local agent
Fewer discounts than other insurers
Above-average number of customer complaints
Best for minimum coverage: Progressive
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $56/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. | $122/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive offers affordable coverage for West Virginia drivers looking for liability-only insurance. The company lets you buy a policy directly through its website or mobile app.
Safe drivers can save with the Snapshot program
Save by staying with Progressive and going claims-free for five years (available in most states)
Wide variety of discounts
High-risk driving can raise your rates via Snapshot
Below-average JD Power customer satisfaction rating in the Mid-Atlantic region
Low Trustpilot rating
Best for savings: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $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. | $75/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers some of the cheapest rates for West Virginia drivers. State Farm also has a strong local presence in West Virginia, with agents in Morgantown, Charleston, and Martinsburg.
Some of the cheapest rates in West Virginia
Save up to 30% with Drive Safe & Save
Several discounts for teen drivers
Doesn’t offer gap insurance
Doesn’t offer accident forgiveness
Must work with an insurance agent
Best for customer service: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $48/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. | $90/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA has an above-average JD Power rating in the Mid-Atlantic region and receives 4.7 out of 5 stars based on more than 18,000 customer reviews. Military families in West Virginia can take advantage of low average rates and two different telematics programs.
Discounts for low mileage and safe driving
Low average rates in West Virginia
Discounts for military members
Available only to military members and families
Fewer add-on coverages than competitors
Fewer in-person locations
How we chose the best companies
We evaluated insurers operating in West Virginia using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to West Virginia drivers, including tornado and hurricane risks, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
How much is car insurance in West Virginia?
Drivers pay an average cost of $987 per year for liability coverage and $1,870 per year for full coverage. This is lower than the national annual averages of $1,183 and $2,241, according to Insurify data.
But West Virginia is the riskiest state for animal collisions while driving, with odds of 1 in 46, according to State Farm. This can contribute to the state’s average rates and could also be a reason to consider buying full coverage rather than liability-only insurance.
Find Cheap Car Insurance in West Virginia
Liability rates average $82/mo.
Average car insurance quotes in West Virginia cities
The following table shows the average liability and full-coverage car insurance rates for different West Virginia cities.
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Morgantown | $83 | $159 |
| Martinsburg | $86 | $155 |
| Parkersburg | $90 | $140 |
| Charleston | $92 | $158 |
| Huntington | $99 | $157 |
Morgantown has the highest average full-coverage rates, while Huntington has the highest liability-only coverage rates, according to Insurify data. The chart below compares the five most expensive cities in West Virginia.
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Morgantown | $83 | $159 |
| Martinsburg | $86 | $155 |
| Parkersburg | $90 | $140 |
| Charleston | $92 | $158 |
| Huntington | $99 | $157 |
On-the-spot guidance from licensed insurance experts
Anuj DesaiLicensed Property & Casualty Insurance Agent
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
Why you should compare car insurance quotes in West Virginia
Every insurance company weighs your driving record, credit, and location differently, so comparing multiple quotes for auto insurance coverage is the best way to find the cheapest rate. Below are some tips for finding the most accurate comparison:
Comprehensive and collision deductibles: Request identical liability limits and deductibles for comprehensive coverage and collision coverage.
Similar information: Include the same drivers and vehicles on every quote.
Accurate mileage reporting: Report your annual mileage accurately, as this can affect your quote.
Driving history: Provide details about any tickets and at-fault accidents.
Discounts: Ask each insurer what car insurance discounts you qualify for.
West Virginia car insurance requirements
All West Virginia drivers must meet the following minimum coverage requirements:[1]
Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000 per accident
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Uninsured motorist property damage: $25,000 per accident
Unlike some states where uninsured motorist coverage is optional, West Virginia requires it.
Agent Tip: Is liability-only insurance enough in West Virginia?
“If you’re at fault in an accident, a state-minimum policy in West Virginia may not fully cover the damages — especially if multiple people are seriously injured or you total someone’s new car. That’s why it’s wise to consider a policy with higher liability limits.”
How to find the cheapest West Virginia car insurance
Comparing auto insurance quotes and taking advantage of discounts can help West Virginia drivers lower their premiums. Below are some tips on how to get started:
Choose the best insurer for your needs. Compare quotes from multiple insurers using identical coverage limits and deductibles.
Take advantage of discounts. Ask about bundling your auto and homeowners insurance or renters insurance. You can also ask about a low-mileage discount if you’re an infrequent driver.
Take a defensive driving course. If you’re age 55 or older, ask about car insurance discounts for completing approved defensive driving courses.
Look into telematics. Consider enrolling in a telematics program if you’re a safe driver.
Find quotes for your driver profile
Your age, driving record, and credit history can affect what you pay for car insurance in West Virginia. Check out the guides below to learn more about West Virginia car insurance.
West Virginia car insurance guides
How car insurance costs have changed in West Virginia
Premiums in West Virginia fell 12% in 2025. But the average rates rose 5% during the first half of 2026, and Insurify’s American Driver report projects them to increase by 8% by the end of the year. This increase is largely due to higher claim and vehicle repair costs.
West Virginia car insurance FAQs
If you’ve got more questions, consider the following information about finding the best car insurance in West Virginia.
What are West Virginia’s minimum car insurance requirements?
Drivers need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage. They’ll also need uninsured motorist coverage at matching limits.
Is uninsured motorist coverage required on a West Virginia car insurance policy?
Yes. Drivers must have uninsured motorist coverage that matches the minimum liability requirements of 25/50/25. Insurers must offer higher uninsured motorist limits and underinsured motorist coverage, but drivers can decline this coverage.
Is West Virginia a no-fault state for car insurance claims?
No. West Virginia is an at-fault state, which means the driver who causes the accident is financially responsible for any injuries or property damage the other driver sustains.
What proof of insurance do West Virginia drivers need for the annual vehicle safety inspection?
West Virginia drivers need to provide a current certificate of insurance and proof of ownership before the inspection begins.
What happens to a West Virginia registration plate if a driver drops car insurance mid-term?
If you cancel required coverage without replacing it, you must surrender the registration plate to the state’s Division of Motor Vehicles (DMV).[2]
Can West Virginia drivers keep a seasonally stored vehicle insured only part of the year?
Yes. West Virginia drivers can complete a Seasonal Statement of Insurance and submit it to the DMV. You’ll use this form to list the dates when your vehicle will be in storage.[3]
Can a West Virginia insurer cancel your car insurance policy mid-term for any reason?
No. After 60 days, insurers can only cancel your policy for legally permitted reasons, such as non-payment, material misrepresentation, or violation of the policy’s terms and conditions.[4]
Sources
- WEST VIRGINIA Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
- West Virginia DMV. "Insurance."
- West Virginia DMV. "Consumer Insurance Information."
- West Virginia Offices of the Insurance Commissioner. "Cancellation of Automobile Insurance."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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