West Virginia Average Cost of Car Insurance Rates (2022)

On average, car insurance rates for drivers in West Virginia are $221 per month, and $2647 per year. The average rates make West Virginia the 21st most expensive state in the country for car insurance rates and 1% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best West Virginia Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in West Virginia and has selected the following providers and quotes as the best rates for drivers in West Virginia.

For drivers in West Virginia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in West Virginia.

Teenagers pay a steep premium to drive in West Virginia: $452 on average, which is far more than any other age group. Rates go down by over $200 for drivers in their 20s, settling down to a more reasonable $251 per month.

Drivers in their 50s pay the least for car insurance on average. These drivers pay $163 per month, which is almost $60 less than the state average and nearly a third of the amount that teenagers in the state have to pay.

In West Virginia, men pay an average of $12 more for car insurance. Women’s average car insurance rate sits at $216, which is $5 below the state average.

For West Virginia drivers, tying the knot will only make a minimal difference on car insurance rates. Married drivers pay $213 per month on average, compared to $224 per month for single drivers. Married drivers pay $8 below the state average, which is a nice but insignificant impact on your rates.

All motor vehicles operated or parked on West Virginia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in West Virginia^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. West Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury
• $50,000 per accident for uninsured/underinsured motorist bodiliy injury
• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In West Virginia, motorists are required to purchase the same level of insurance for this coverage as liability coverage.

West Virginia allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, there is only a difference of a dollar between the average rates of those with an excellent credit history ($207 per month) and those with a poor credit history ($206 per month). Drivers with an average or good credit history pay even more for car insurance, at $211 per month and $225 per month, respectively.

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in West Virginia will pay $55 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $43. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies