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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Written byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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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 $81 per month for liability insurance and $152 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. | $47/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 |
3.7
A solid option in West VirginiaBased on 526 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 2.8 | 2.9 |
| Policy transparency | 3.3 | 3.1 |
| Value | 3.3 | 2.9 |
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
Showing recent national reviewsSee all 235 Erie Insurance reviews
Verified Review
Reviewed in Ohio on May 25, 2026
Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.
Verified Review
Reviewed in New York on May 18, 2026
I just don’t think they give us a break on the price when insuring three vehicles. One of them is only on the road for 6 months as it’s a collector car.
Verified Review
Reviewed in Pennsylvania on April 29, 2026
Very expensive, shop around and you'll get a better price.
…
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 |
4.1
Best choice in West VirginiaBased on 18,509 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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
Showing 13 reviews from West Virginia driversSee all 7,612 State Farm reviews
Verified Review
Reviewed in West Virginia on April 26, 2026
When my wife had an accident, which was completely unexpected, the insurance company took their time to pick up the vehicle from the tow yard and take it to the shop for assessment. It took a total of a month before they claimed it as totaled. I was $6,000 in the hole, and mind you, the car was maybe a year old, practically new. Thank God I had gap insurance.
Verified Review
Reviewed in West Virginia on April 24, 2026
I've been with State Farm since 1968. They have always treated us fairly and offered reasonable rates compared to others.
Verified Review
Reviewed in West Virginia on April 10, 2026
High rates and slow service.
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. | $53/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. | $115/mo |
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
Showing 10 reviews from West Virginia driversSee all 8,579 Progressive reviews
Verified Review
Reviewed in West Virginia on April 5, 2026
The whole idea of using the Snap device is flawed. I had it in my car during slippery roads and bad weather. Being judged by fast braking or acceleration in icy, slick conditions, plus living on a hill, is unfair. The gadget isn’t there to see how many accidents are dodged by quick braking or accelerations. It seems like a business practice set up to discredit drivers so rates can be raised.
Verified Review
Reviewed in West Virginia on March 27, 2026
They sent me a defective snapshot device and then raised my rates when it didn't work.
Verified Review
Reviewed in West Virginia on February 20, 2026
I would not recommend Progressive. They raised my rate without any reason, even though I'm a Gold Member and have been with them for a long time.
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. | $47/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. | $91/mo |
4.0
Best choice in West VirginiaBased on 3,733 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
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
Showing recent national reviewsSee all 1,587 USAA reviews
Verified Review
Reviewed in Arkansas on June 5, 2026
I'm a veteran who drives maybe 20 miles a week, and my insurance goes up $40 a month every 6 months. I'm 52, with no wrecks and no tickets. They don't seem to care about vets at all.
Verified Review
Reviewed in Florida on June 2, 2026
Excellent customer service, a must-have if stationed overseas, and competitive policy pricing. Easy claims process, quick payments, and overall ease of use. I love USAA but I just needed a cheaper policy right now.
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
…
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 | 4.2 |
|---|---|
| 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. | $72/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. | $138/mo |
4.2
Best choice in West VirginiaBased on 18,560 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
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
Showing 5 reviews from West Virginia driversSee all 7,788 GEICO reviews
Verified Purchase
Reviewed in West Virginia on April 1, 2026
Back in 2013, a Geico representative informed me of a trap by the local law enforcement. It ultimately saved me. I was eventually found not guilty by a jury of my peers of vehicular homicide. But it was Geico that was trying to investigate my accident and was thwarted by local law enforcement, and stopped their efforts to get to the bottom of it. By warning me that the police were secretly trying to indict me, I was able to get an attorney and fight for my innocence. For that, I am eternally grateful and will use Geico as my insurance representative till the day I die!
Verified Review
Reviewed in West Virginia on March 30, 2026
My current coverage is with Geico and I am very satisfied with them. It's fairly priced and the coverage options are numerous.
Verified Purchase
Reviewed in West Virginia on March 6, 2026
GEICO is very good. I would recommend it.
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
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.
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.
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.
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.
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.
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
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Average cost of car insurance in West Virginia
The overall average cost of car insurance in West Virginia is $116 per month, compared to the national average rate of $142 per month. West Virginia drivers pay an average rate of $81 per month for liability coverage and $152 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 $116 per month for car insurance. The average cost of state-minimum coverage in West Virginia is $81 per month, but full coverage is $152 per month.
For comparison, U.S. drivers pay $98 per month for liability and $186 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
- U.S. Department of Veterans Affairs. "West Virginia: Distribution of Veterans by County (FY2023)."
- Insurance Information Institute. "How to save money on car insurance."
- West Virginia Offices of the Insurance Commissioner. "West Virginia Insurance Bulletin No. 24-04."
- Insurify. "Insurify Projects Car Insurance Costs Will Increase Another 5% in 2025, After Soaring 42% Since 2022."
- West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego