Average Cost of Car Insurance Rates in West Virginia (2022)

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Last Updated: January 2022

How Much Does Car Insurance Cost In West Virginia?

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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $22150%

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.

Cheapest Companies
$55/mo
allstate
$59/mo
state-farm
$87/mo
nationwide
$89/mo
liberty-mutual
$140/mo

West Virginia Car Insurance Rates by City

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.
City
Beckley$196
Charleston$196
Clarksburg$171
Fairmont$200
Huntington$197
Martinsburg$200
Morgantown$213
Parkersburg$195
Princeton$201
Wheeling$190

What Is the Average Cost of Car Insurance in West Virginia by Age?

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.

Age
Teens$452
20s$251
30s$179
40s$184
50s$163
60s$168
70s$196
>80s$167

What Is the Average Cost of Car Insurance in West Virginia by Gender?

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.

Gender
Male$228
Female$216

Does Marital Status Influence the Average Cost of Car Insurance in West Virginia?

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.

Marital Status
Married$213
Single$224

What Are the Minimum Car Insurance Requirements in West Virginia?

When you’re on the roads in West Virginia, you must have proof of insurance with you at all times. West Virginia also requires a fairly standard amount of car insurance, at $25,000 in bodily injury liability per person and $50,000 per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $25,000 in property damage liability per accident, which covers the costs associated with any property damage from an accident. Costs beyond $25,000 are your responsibility.

west-virginia

How Does Credit History Affect West Virginia Car Insurance Rates?

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.

Credit History
Poor$206
Average$211
Good$225
Excellent$207

What Is the Average Cost of Car Insurance in West Virginia for High-Risk Drivers?

"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.

Driving History
No Violation$208
At-Fault Accident$250
Speeding$263

Tips for Researching West Virginia Car Insurance Rates

Insurance rates can vary between companies and are influenced by a variety of unique factors. While West Virginia may not have as much choice when it comes to car insurance carriers, especially compared to a more populous state like California or New York, West Virginians will still want to carefully weigh their options before buying coverage.

One way to compare options easily is with Insurify. Insurify makes it easy to find cheap car insurance. All you need to do is enter some simple information about your location and driver history, and Insurify will give you 10+ free quotes from a variety of companies so that you can pick the right policy at the right price.

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FAQs - West Virginia Car Insurance

Why is car insurance so expensive in West Virginia?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in West Virginia?

Auto insurance costs will vary between locations and insurance carriers, depending on the county West Virginia. Insurify analyzed the latest data for the five most populous cities in West Virginia to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in West Virginia?

The way to find the carrier with the best auto insurance ratings in West Virginia and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in West Virginia?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.