Cheap Car Insurance for High-Risk Drivers in West Virginia:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in West Virginia (2021)

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
nationwide

Nationwide

$177/mo
liberty-mutual

Liberty Mutual

$196/mo
safeco

Safeco Insurance

$203/mo
midvale

Midvale Home & Auto

$246/mo
dairyland

Dairyland Insurance

$249/mo
american-family

American Family Insurance

$278/mo
the-general

The General

$390/mo

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
Average Monthly Cost
$207
No Violation
$267
Speeding Ticket
$296
At-Fault Accident
$269
Reckless Driving
$256
Failure to Stop for Red Light / Stop Sign
Driving History

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
No Violation$207
Speeding Ticket$267
At-Fault Accident$296
Reckless Driving$269
Failure to Stop for Red Light / Stop Sign$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:

$207
No Violation - Avg. Monthly Rate
$267
Speeding ticket - Avg. Monthly Rate
$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:

$207
No Violation - Avg. Monthly Rate
$296
Speeding ticket - Avg. Monthly Rate
$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:

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