Average Car Insurance Cost in West Virginia (2025)
Drivers in West Virginia pay an average of $118 per month for car insurance.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
The average cost of car insurance in West Virginia is $118 compared to the national average of $150. Over the past two years, the average cost of car insurance in West Virginia has risen by 21%. While this is a significant increase, it falls well below the drastic national average increase of 41%.
West Virginia is one of the more rural states in the country, which is part of the reason it’s had lower car insurance costs over the years. Learn more about car insurance costs in West Virginia and what to look for in a policy.
Quick Facts
The average cost of minimum-coverage car insurance in West Virginia is $82 per month.
West Virginia is the fifth-cheapest state in the country for car insurance.
Huntington is the most expensive city in West Virginia for car insurance, on average.
How much is car insurance in West Virginia?
West Virginians pay an average of $118 per month for car insurance. Drivers pay $82 per month for liability car insurance and $154 for full-coverage car insurance, on average.
Full coverage is almost always more expensive than liability coverage since it includes both collision coverage and comprehensive coverage.
Despite these averages, your exact rate will depend on things like your age, driving history, and location.
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How West Virginia car insurance rates have changed over the past two years
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To find car insurance rates in West Virginia and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in West Virginia rose to $1,900 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in West Virginia.
See how West Virginia car insurance prices have changed over the past two years below.
Average West Virginia Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average West Virginia car insurance rates by city
Car insurance rates can vary based on where you live, as insurance companies consider local factors like vehicle theft rates and accident frequency when determining rates. Drivers in larger cities tend to pay higher rates than drivers in rural areas, as there are typically more driving risks associated with living in metropolitan areas. For example, drivers in Morgantown pay less than drivers in Charleston.
Here, you can see how average rates fluctuate based on where you live in West Virginia.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Morgantown | $81 | $148 |
| Martinsburg | $83 | $145 |
| Parkersburg | $86 | $141 |
| Charleston | $90 | $163 |
| Huntington | $99 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in West Virginia (2025)
Average West Virginia car insurance rates by age and gender
Your age and gender also have a significant effect on your car insurance rates. Men and younger drivers get into more accidents than women and older drivers, so they typically pay higher car insurance rates.[1]
Here, you can see how age and gender affect the average rates you’ll pay for coverage in West Virginia.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $184 | $360 |
| 18 | $160 | $313 |
| 20 | $103 | $202 |
| 25 | $89 | $175 |
| 30 | $75 | $147 |
| 40 | $74 | $144 |
| 50 | $63 | $122 |
| 60 | $63 | $122 |
| 70+ | $68 | $132 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $180 | $353 |
| 18 | $156 | $307 |
| 20 | $101 | $198 |
| 25 | $87 | $171 |
| 30 | $73 | $145 |
| 40 | $72 | $142 |
| 50 | $61 | $120 |
| 60 | $61 | $120 |
| 70+ | $66 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in West Virginia
Trucks dominate the list of the most popular cars in West Virginia, with the Chevrolet Silverado and Ford F-Series sitting as the two most popular cars in the state.[2] They’re followed by the Toyota RAV4, the Ram 1500/2500/3500, and the Toyota Tacoma.
Take a look at the table below to see each vehicle’s average monthly insurance cost.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $158 |
| Ford F-Series | $149 |
| Toyota Tacoma | $148 |
| Toyota RAV4 | $145 |
| Ram 1500/2500/3500 | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in West Virginia
Your driving record has perhaps the most significant effect on your car insurance rates, as it’s a direct indication to insurance companies of what type of driver you are and how likely you are to file a claim in the future. If you have numerous infractions on your record, you’ll pay higher rates than someone with a clean driving history.
Just how much more you’ll pay depends on the number and severity of your driving infractions. Drivers with only a couple of speeding tickets typically see the smallest increases, while drivers with severe infractions like DUIs can see increases of around 50%. Take a look at the table below to see how your driving history can affect your rates.
Driver Record | Average Full-Coverage Monthly Quote | % Increase Compared to Drivers With a Clean Record |
|---|---|---|
| With accident | $245 | 61% |
| With speeding ticket | $246 | 61% |
| With DUI | $275 | 80% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Even your credit can affect your car insurance rates. Drivers with low credit scores often pay higher rates than drivers with excellent credit, as insurance companies consider them more likely to file claims.[3]
West Virginia drivers with excellent credit pay an average of $127 per month for full coverage, while drivers with poor credit pay an average of $173 per month for the same policy.
Take a look at the table below to see how your credit history can affect your rates.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $65 $127 Good $73 $143 Fair $76 $149 Poor $88 $173 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in West Virginia
Keep a clean driving record
Maintaining a clean driving history is the best way to keep your car insurance rates low. Many insurers will reward you for extended periods of being claims-free.
Buy only the necessary coverage
Don’t purchase more coverage than you need. While it’s important to maintain adequate financial protection, if you drive an old vehicle that isn’t worth much or you can afford to pay vehicle damages out of pocket, you may not need a high-limit policy with all the bells and whistles.
Apply for discounts
Car insurance discounts are one of the most tried-and-true ways to lower your car insurance costs. Just about every insurance company offers multiple discounts, and you’re likely to qualify for at least one or two of them.
Raise your deductible
Increasing your car insurance deductible will lower your premium. Just make sure you can afford to pay the deductible if you need to file a claim.
Compare car insurance quotes
Always compare car insurance quotes from at least three insurance companies before deciding on a policy. Every insurance company considers your personal rating factors differently, so you may be able to find cheaper rates for the same type of policy.
West Virginia average car insurance cost FAQs
If you’re shopping for car insurance, take a look at these answers to some of the most commonly asked questions about car insurance in West Virginia.
The average cost of car insurance in West Virginia is $1,414 per year. Drivers pay an average annual rate of $983 for minimum coverage and $1,844 for full coverage.
The cheapest car insurance company in West Virginia is State Farm, with an average rate of $60 per month. Safeco and Progressive also offer affordable coverage in the state.
The average cost of car insurance per month in West Virginia is $118. Drivers pay an average of $82 per month for minimum coverage and $154 for full coverage.
Erie, State Farm, and Progressive are some of the best auto insurance companies in West Virginia. Each of these companies offers affordable rates, numerous coverages, and a variety of discounts. The only way to know the best insurance company for you is to compare quotes from multiple insurers.
The car insurance requirements in West Virginia are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability.[4]
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 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most Popular Cars in America."
- NAIC. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
- West Virginia DMV. "Consumer Insurance Information."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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