Best Car Insurance in West Virginia (2026)

Erie, State Farm, and USAA are three of the best car insurance companies in West Virginia.

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4.7 / 518K reviews
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Writer: Danny SmithInsurance Writer

Qualifications:
  • 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.

Photo of an Insurify author
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Headshot of industry expert Daniel Roccato
Reviewer: Daniel RoccatoAdvisor

Qualifications:
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego


Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated

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Shopping for car insurance can be difficult. Each driver has different needs and a unique driving history. West Virginia drivers pay an average of $83 per month for liability insurance and $156 for full-coverage car insurance.

Various factors can affect your car insurance rates, such as your age, location, and ZIP code. Although you can’t control some of these factors, you can still find cheaper rates by comparing car insurance quotes.

Insurify analyzed 50 car insurance companies to determine the best car insurance companies in West Virginia. Here’s what you need to know about finding the best car insurance in the Mountain State.

Best car insurance companies in West Virginia

West Virginia has many excellent car insurance companies, but some stand out from the rest. Insurify analyzed various factors like coverage offerings, average costs, available discounts, and industry ratings to determine five of the best car insurance companies for West Virginia drivers.

Learn more about the best car insurance options in West Virginia below.

Erie: Best overall

User Reviews
3.7
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.
$93/mo
Details
3.7
A solid option in West VirginiaBased on 558 verified driver reviews and ratings
Erie Insurance's score
Industry average
Coverage options3.63.2
Customer service3.83.6
Discounts2.82.9
Policy transparency3.33.1
Value3.32.9
How drivers feel about Erie Insurance

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.

Based on analysis of verified reviews collected by Insurify

Best in West Virginia for
High customer satisfaction
Competitive rates
Optional coverages
Showing recent national reviewsSee all 242 Erie Insurance reviews
Sherri
Verified Review
Two vehicles, and they’re both older—one is a 2006 and one is a 2012, and I’m 66 and I don’t drive
It’s OK, but it’s too high for me to pay. I’m disabled and 66.
Dennis
Verified Review
Good, Cheap Insurance
Low cost for the coverage offered.
W
Verified Review
Value
Value seems hard to beat.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Erie is the best overall car insurance company in West Virginia, with affordable average rates, strong customer satisfaction, and good financial strength. It’s an excellent choice for any West Virginian driver. The company has standard coverage offerings and unique optional endorsements, including pet coverage, auto glass repair, and locksmith services.

Pros
  • Top J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Fewer-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index

  • AM Best financial strength rating of A+ (Superior)

Cons
  • 2.3 out of 5 stars on Trustpilot

  • Can’t file a claim online

  • Fewer available discounts than competitors

State Farm: Best for affordability

User Reviews
4.1
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.
$76/mo
Details
4.1
Best choice in West VirginiaBased on 21,518 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.82.9
Policy transparency3.93.1
Value3.72.9
How drivers feel about State Farm

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.

Based on analysis of verified reviews collected by Insurify

Best in West Virginia for
Customer service
Competitive rates
Discounts for safe drivers
Showing 19 reviews from West Virginia driversSee all 8,196 State Farm reviews
Edward
Verified Review
Premiums Too High
The premiums are outrageous.
Michael
Verified Review
Excellent Personnel
Excellent.
Valerie
Verified Review
Making a Change, No Room for Loyalty!
I’ve been a customer since I turned 16, and yes, State Farm is a bit pricey. But after all these years, they decided to cancel me because of a speeding ticket and an accident. Keep in mind, I’ve always paid my monthly payments, which were sometimes pretty expensive. I did like the agents assigned to my account. Right now, I’m looking at other insurance companies, and I can get the same coverage for a cheaper monthly price. I’ll be making the change soon. Farewell, State Farm, for leaving me out to dry. So much for loyalty these days.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the best car insurance company for West Virginians looking for cheap coverage. It has the cheapest average rates for both liability coverage and full coverage. The biggest U.S. auto insurer by market share, State Farm is a reliable option for West Virginia drivers to consider. State Farm has quality coverage options and solid discount opportunities.

Pros
  • Fewer-than-average number of complaints on the NAIC complaint index

  • AM Best financial strength rating of A++ (Superior) 

  • Rideshare insurance available

Cons
  • Slightly below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • 1.9 out of 5 stars on Trustpilot

  • Accident forgiveness coverage not available

Progressive: Best for customer service

JD Power
J.D. 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.
$114/mo
Details
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in West Virginia for
Competitive rates
Easy buying process
Telematics program
Showing 15 reviews from West Virginia driversSee all 9,159 Progressive reviews
Lisa
Verified Review
Y’all’s phones must be broken—they don’t ring; they go straight to voicemail
I hit a pole on the 19th and called both women 4 or 5 times each, and neither one has returned any of my calls. The other one called 2 or 3 days ago and said she was going to work on it right then—she had an hour left of work—and still nothing. I got one voicemail from Brittany and called her every day until she went on vacation, then I called the other one after that. Both phones go straight to voicemail. They should call you back when their phones don’t ring, and they should tell you when they’ll be calling you back.
Melissa
Verified Review
It Is What It Is…
They raise my premiums with every renewal, so I’m shopping for other insurance. It’s no better than any other insurance I’ve had before. When I switched to them, they had the best price, but I’m just tired of the rates going up every time. It won’t be much longer until I’m paying just as much as I was before I switched companies.
Vickie
Verified Review
Good
Every renewal period, Progressive raises my premium even though I haven’t filed a claim.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive is the best option for West Virginia drivers who want accessible customer service. The insurer has numerous local insurance agents operating in West Virginia, making it easy for drivers to get quick customer service. Progressive offers numerous coverages for all different types of drivers, making it a solid all-around choice.

Pros
  • AM Best financial strength rating of A+ (Superior)

  • Accident forgiveness available

  • Fewer-than-average number of complaints on the NAIC complaint index

Cons
  • Snapshot program can result in increased rates

  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • 1.9 out of 5 stars on Trustpilot

USAA: Best for military families

User Reviews
4.0
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.
$92/mo
Details
4.0
Best choice in West VirginiaBased on 4,367 verified driver reviews and ratings
USAA's score
Industry average
Coverage options3.83.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.83.1
Value3.52.9
How drivers feel about USAA

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.

Based on analysis of verified reviews collected by Insurify

Best in West Virginia for
Members of the military community
Outstanding customer service
Competitive rates
Showing recent national reviewsSee all 1,710 USAA reviews
Jack
Verified Review
Stay Far Away From USAA
Worst. They always raise my premium without notification. Terrible.
Sandra
Verified Review
No Better Than Any Other
Check your billing statement each month. You can pay your bill on the date it’s due and still get a late fee because it takes them three days to process the payment. This seems to encourage you to set up autopay. If you don’t, they charge a $3 processing fee, which feels petty for an organization this large. The premiums are higher than most. You’d think being a member for over forty years would mean something, but not much. They’re no better or worse than any other insurance company. If you have a reason to file a claim, your insurance will go up or they will drop you. You’d think with insurance companies moving to AI agents, rates would be better, but they aren’t.
Michael
Verified Review
Current Insurance Co.
Decent premiums. I haven’t had a claim with them yet.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is the best car insurance option for military members and their families in West Virginia. It offers numerous exclusive coverages and discounts for the more than 125,000 veterans living in the state.[1] USAA has excellent customer satisfaction and financial strength ratings, making it a great choice for qualifying drivers.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Above-average J.D. Power customer satisfaction rating in the mid-Atlantic region

  • Fewer-than-average number of complaints on the NAIC complaint index

Cons
  • Available only to military members and eligible family members

  • 1.2 out of 5 stars on Trustpilot

  • Some reports of delayed claims

GEICO: Best for discounts

User Reviews
4.1
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.
9.2 /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.
$75/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.
$143/mo
Details
4.1
Best choice in West VirginiaBased on 21,026 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.13.2
Customer service4.23.6
Discounts3.92.9
Policy transparency4.13.1
Value3.82.9
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

Best in West Virginia for
Teen drivers
Cheap rates
Accident forgiveness
Showing 12 reviews from West Virginia driversSee all 8,249 GEICO reviews
Tawnya
Verified Review
The first six months were great, but when it came time to renew, they wanted to raise my rate by $40, and I don’t know why.
The first six months were great, but when it came time to renew, they wanted to raise my rate by $40, and I don’t know why.
Georgette
Verified Purchase
Good Experience
Haven’t had it long, but so far I’m very satisfied.
James
Verified Review
Thinking of Changing
Good to begin now. I need to reduce my coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is the best option for drivers who want to benefit from discounts. The company offers 23 ways for drivers to save on their policies. GEICO’s an excellent insurer, with solid financial strength ratings and claims satisfaction. It also offers affordable average rates to West Virginia drivers.

Pros
  • Fewer-than-average number of complaints on the NAIC complaint index

  • AM Best financial strength rating of A++ (Superior)

  • Affordable average rates

Cons
  • Slightly below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • 1.5 out of 5 stars on Trustpilot

  • Rideshare coverage not available

How we chose the best car insurance companies in West Virginiaexpand/collapse

Our editorial team analyzed regional and national auto insurance companies that sell policies in West Virginia to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in West Virginia

You can use the tips below if you’re looking to get the best car insurance for your needs in Virginia.

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    Keep a clean driving record

    The best way to keep your car insurance costs low is by not giving your insurance company a reason to raise them by having driving incidents. Keeping a clean driving record is a great way to ensure your rates stay low. Insurance companies consider your driving record when setting rates, and any infractions in your driving history will likely result in increased premiums.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Consider your coverage level

    Before buying a policy, consider how you intend to use your car. If you only drive occasionally or have an older car not worth much, the state-minimum liability coverage may be enough. But if you drive frequently, live in a high-traffic area, or have a new car, you’ll want full coverage, which includes liability, collision, and comprehensive coverage. If you are financing or leasing a vehicle, your lender will likely require full coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/0a6ece6bd6/insurify-icons-auto-green-96x96_013-family.svg

    Read customer reviews

    It’s crucial to read up on what current customers have to say about an insurer before buying a policy. Check ratings from organizations like J.D. Power, AM Best, and the NAIC, and look at customer reviews on Trustpilot and the Better Business Bureau. Make sure you have a good understanding of what to expect if you ever need to use your insurance coverage. A slightly cheaper rate may not be worth a customer service headache.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Apply for discounts

    Car insurance discounts are one of the best ways to decrease your insurance costs a bit. Most insurance companies offer numerous discounts, giving you plenty of avenues to save. One of the best discount opportunities comes from bundling your auto and home insurance with one insurer. If you’re not sure what discounts you qualify for, just ask your insurance company or insurance agent.

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    Compare car insurance quotes

    Comparing car insurance rates is one of the easiest ways to find lower rates for your policy. Every insurance company determines rates differently, so premiums can vary across companies even for the same policy. When you compare quotes and companies, don’t just choose the cheapest option — pick a reliable insurer that has good customer reviews.[2]

Find Cheap Car Insurance in West Virginia

Liability quotes start at $39 per month

Excellent
4.7 out of 5 based on 17,554 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Average cost of car insurance in West Virginia

The overall average cost of car insurance in West Virginia is $119 per month, compared to the national average rate of $143 per month. West Virginia drivers pay an average rate of $83 per month for liability coverage and $156 for full coverage.

The cost of a full-coverage car insurance policy in West Virginia increased by 5% from 2023 to 2024, from an average of $1,811 to $1,906 for one year’s worth of coverage. This is likely due in part to the increased prices of vehicle repairs and increases in the number of claims.[3] Insurify projects an additional 1% increase in 2025.[4]

Best car insurance in West Virginia FAQs

If you’re still not sure about the right policy for your coverage needs, the following information can help answer your remaining questions about car insurance in the Mountain State.

How much is car insurance in West Virginia?

On average, West Virginia drivers pay $119 per month for car insurance. The average cost of state-minimum coverage in West Virginia is $83 per month, but full coverage is $156 per month.

For comparison, U.S. drivers pay $99 per month for liability and $187 for full coverage. How much you pay will depend on your driving history, age, ZIP code, and more. The best way to find cheap auto insurance is to compare quotes from multiple insurers.

What are the best car insurance companies in West Virginia?

Erie, State Farm, Progressive, USAA, and GEICO are the best car insurance companies in West Virginia. But those insurers may not be the best choices for you. Every insurer determines premiums differently. It’s crucial to compare car insurance quotes and companies before deciding on a policy.

What is the required auto insurance coverage amount in West Virginia?

West Virginia drivers must carry the state-minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. Drivers also need to carry the same liability limits in uninsured motorist coverage.[5]

Sources

  1. U.S. Department of Veterans Affairs. "West Virginia: Distribution of Veterans by County (FY2023)."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. West Virginia Offices of the Insurance Commissioner. "West Virginia Insurance Bulletin No. 24-04."
  4. Insurify. "Insurify Projects Car Insurance Costs Will Increase Another 5% in 2025, After Soaring 42% Since 2022."
  5. West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
Photo of an Insurify author
Writer: Danny SmithInsurance Writer

Qualifications:
  • 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.

Photo of an Insurify author
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Headshot of industry expert Daniel Roccato
Reviewer: Daniel RoccatoAdvisor

Qualifications:
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego


Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.