Cheap Car Insurance for High-Risk Drivers in West Virginia:
Costs and Quotes (2022)

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Last Updated: January 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.

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
$267
$296
$269
$256
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
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 History
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:

$207
$267
No Violation - Avg. Monthly RateSpeeding 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
$296
No Violation - Avg. Monthly RateSpeeding 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
$256
No Violation - Avg. Monthly RateSpeeding 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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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.