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West Virginia Car Insurance for High Risk Drivers (With Quotes)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Mark Steinbach
Written by
Mark Steinbach
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Written by
Mark Steinbach
Insurance Writer
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Janeth Lopez
Reviewed by
Janeth Lopez
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Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.

Updated March 9, 2022

Cheapest Insurance Companies for High Risk Drivers in West Virginia (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in West Virginia.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Nationwide$177
Liberty Mutual$196
Safeco Insurance$203
Midvale Home & Auto$246
Dairyland Insurance$249
American Family Insurance$278
The General$390

What Makes a Driver High-Risk in West Virginia?

When you're in the driver's seat, mistakes can happen. Whether it's a speeding ticket or a small accident, the little marks on your driving record can add up—and eventually earn you the status of a "high-risk driver." These drivers have a checkered driving record and might end up paying more for car insurance.

If you're driving on the roads of West Virginia, a few serious mistakes could turn you into a high-risk driver in the eyes of car insurance companies. These mistakes include, but are not limited to, at-fault accidents, DUIs, speeding tickets, and reckless driving. That's why it's so important to drive safely and search for a car insurance company that can offer you fair rates despite your driving history.

West Virginia Car Insurance Rates for High-Risk Drivers

No Violation
$207
Failure to Stop
$256
Speeding Ticket
$267
Reckless Driving
$269
At-Fault Accident
$296

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in West Virginia?

When you're on the road, you always want to be careful and avoid high-risk driving behaviors. Something as simple as mistakenly running a red light can lead to a reckless driving charge that stays on your record for years.

And unfortunately, car insurance companies will usually saddle you with higher car insurance rates if you have such a charge on your record. For instance, West Virginia drivers with a reckless driving charge can see their rates go up by nearly 30 percent. Here is how some high-risk driving charges can affect your car insurance rates in West Virginia:

Driving HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$207
Speeding Ticket$267
At-Fault Accident$296
Reckless Driving$269
Failure to Stop$256

How Much Does a Speeding Ticket Impact Car Insurance Rates in West Virginia?

If you find yourself going too fast on the country roads of West Virginia, you might find yourself with a stiff insurance rate hike—a $60 increase, to be exact. Here are some typical rates you can expect to see if you have a speeding ticket on your record in this state:

No Violation - Avg. Monthly Rate
$207
Speeding ticket - Avg. Monthly Rate
$267
$60 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in West Virginia?

An accident can happen in a split second. And when you find yourself at fault in an accident in West Virginia, you could see your car insurance rates increase by a whopping $89 a month on average. Here are the rates you can expect in West Virginia after an at-fault accident:

No Violation - Avg. Monthly Rate
$207
Speeding ticket - Avg. Monthly Rate
$296
$89 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in West Virginia?

When you roll through a red light or stop sign in West Virginia, prepare for higher car insurance rates. While this mistake could lead to a rate increase of nearly $50 per month, you can still find an affordable policy if you do your research. Here are typical rates for West Virginians with this kind of offense on their record:

No Violation - Avg. Monthly Rate
$207
Speeding ticket - Avg. Monthly Rate
$256
$49 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in West Virginia?

When you're in the driver's seat, mistakes can happen. Whether it's a speeding ticket or a small accident, the little marks on your driving record can add up—and eventually earn you the status of a "high-risk driver." These drivers have a checkered driving record and might end up paying more for car insurance.

If you're driving on the roads of West Virginia, a few serious mistakes could turn you into a high-risk driver in the eyes of car insurance companies. These mistakes include, but are not limited to, at-fault accidents, DUIs, speeding tickets, and reckless driving. That's why it's so important to drive safely and search for a car insurance company that can offer you fair rates despite your driving history.

Tips for Researching High-Risk West Virginia Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like West Virginia draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

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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

FAQs - West Virginia Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Mark Steinbach
Written by
Mark Steinbach

Insurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Janeth Lopez
Reviewed by
Janeth Lopez

Licensed Insurance Agent

Icon of a woman
Reviewed by
Janeth Lopez
Licensed Insurance Agent
Janeth Lopez is a licensed insurance agent. She specializes in auto, home, business, life, and RV insurance.