Cheap Car Insurance for Bad Credit Drivers in West Virginia:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Drivers With Bad Credit in West Virginia (2022)

For drivers with bad credit in West Virginia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in West Virginia. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in West Virginia.

Bad Credit Car Insurance in West Virginia

Having bad credit isn't something that anyone aims for, but circumstances outside of our control can often lead to it. In emergency situations, we sometimes have to use our credit cards or loans that get to be too much to handle. Whatever the reason may be, don't feel like you are alone.

In West Virginia, there are several options available to help you obtain affordable auto insurance coverage. One of the best ways is to shop around for quotes, as there are multiple carriers that have special pricing for those with a poor credit history. Location can also play a big factor in what your monthly rates ultimately end up being.

West Virginia Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$192
$214
$216
$234
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in West Virginia?

The impact of bad credit on auto insurance rates in West Virginia is quite comparable to the impact in other states. Drivers with a poor credit history tend to pay over nine percent more for coverage than drivers with a good credit rating. The actual difference between the two is a $20 per month increase in payments.

By shopping around, drivers with bad credit do have the possibility of finding coverage that is closer to the average that drivers with good credit scores pay.

$212
$232
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$20 ▴Monthly Impact of Bad Credit on Rates
9.43% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in West Virginia?

Some drivers with poor credit believe that a no-credit-check auto insurance policy will be better than applying and having a carrier pull their credit. Unfortunately, this isn't usually the case. While you can get coverage in West Virginia without a credit check, it often results in a much higher monthly premium.

Instead, shopping around at credit-friendly carriers is often the best route for drivers with poor credit scores. In West Virginia, several insurance companies offer competitive rates for this type of driver.

West Virginia Car Insurance Rates by Credit Tier

As to be expected, credit tiers do play a factor in determining what your car insurance rates will be in West Virginia. For instance, motorists with an excellent credit background have more favorable rates than those who have poor credit scores. The difference between the two is roughly $42 per month.

Credit Tier
Excellent$192
Good$214
Average$216
Poor$234

Car Insurance Rates With Bad Credit in West Virginia Cities

Location often plays a big role in determining how much of an impact bad credit will have on car insurance rates. As can be seen in West Virginia, the cost in a city like Charleston, where coverage is $181 per month, is much lower than it is in Morgantown, where rates average $259.

CityCredit Tier
CharlestonPoor$181
HuntingtonPoor$202
MartinsburgPoor$186
MorgantownPoor$259
ParkersburgPoor$193
PrincetonPoor$187

Tips for Researching Bad Credit West Virginia Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like West Virginia draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate 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 you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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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.

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.