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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Drivers in Huntington, West Virginia, pay an overall average of $131 per month for car insurance, according to Insurify’s proprietary data — which is higher than the state average of $122.
The exact amount you’ll pay for auto insurance depends on a number of rating factors, including your driving record, gender, age, your insurance company, and the type of policy you have. Here’s how to compare quotes and shop for cheap car insurance in Huntington to find the best coverage for you.
Quick Facts
The average cost of car insurance in Huntington is $91 per month for liability coverage and $172 per month for full coverage.
State Farm is the cheapest insurer for full-coverage car insurance in the Mountain State's second-largest city, with a monthly rate of $59.
West Virginia requires uninsured motorist coverage.[1]
3 of the cheapest car insurance companies in Huntington
Dozens of car insurance companies offer coverage in Huntington, West Virginia, but the company you should ultimately choose will depend on your situation and insurance needs. The lowest-priced insurers may not be your best option.
Below, you’ll find three companies with the lowest car insurance premiums in Huntington for a few different categories.
Insurance Company
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.
Full Coverage
Liability Only
Best For
State Farm
9.3
$55
$33
Overall
USAA
9.4
$66
$39
Military members and families
Erie
9.0
$67
$40
Drivers with at-fault accidents
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
$35/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.
$59/mo
State Farm is the largest auto insurer in the country, controlling roughly 17% of the auto insurance market. It offers standard insurance coverages, like liability, collision, and comprehensive. It also offers uninsured motorist coverage and medical payments coverage, as well as other additional coverages.
Pros
A++ (Superior) financial strength rating from AM Best, the highest level possible
Mobile app makes for convenient account management
Discounts available for bundling auto with home, renters, or life insurance
Cons
Accident forgiveness not available
Gap insurance not available
May not be cheap option for drivers with poor credit or incidents on their records
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
Best insurer for military members and their families: USAA
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.
9.4/10
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.
$42/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.
$71/mo
USAA is one of the most reliable insurers in the country — its only major drawback is that it’s only available for active-duty military members, veterans, and their families. The company consistently earns high ratings from J.D. Power in the Mid-Atlantic region and offers a variety of discounts.
Pros
Very affordable premiums
Savings of up to 30% possible with SafePilot telematics program
Many available discounts
Cons
Only available to members of the military community
Gap insurance not available
Limited customer service: doesn’t offer 24/7 live customer support over the phone
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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.
9.0/10
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.
$43/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.
$72/mo
Erie is a reliable and affordable super-regional auto insurer, operating in 12 Eastern and Midwest states, as well as Washington, D.C. It offers favorable premiums for teenage drivers and drivers with speeding tickets, making it a solid option if you’re a high-risk driver.
Pros
Offers RateLock guarantees, which ensure your premiums won’t increase
Rating of 878 out of 1,000 in J.D. Power’s 2023 U.S. Insurance Shopping Study
They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.
Eduard - July 24, 2024
Verified
Price, Service, Coverage - Everything is Very Good
Everything is as expected.
Teresa - July 23, 2024
Verified
Erie Insurance is a Great Insurance
I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.
…
How to get the cheapest car insurance in Huntington
Cheap car insurance rates depend on a number of factors, such as your driving history, the insurance company you choose, and how much coverage you need.
If you’re looking for cheap rates, try the following strategies:
Reduce your coverage. Liability-only insurance is always going to be cheaper than full coverage. But it does mean that you, instead of your insurance policy, will have to pay for your own repairs and medical bills if you damage your vehicle.
Comparison shop. Getting quotes from different insurers is a great way to secure cheap insurance rates. Compare quotes from at least three different insurers to get the best results.
Ask about discounts. Ask your insurance agent about discounts that they can recommend to help bring your rates down.
Keep your driving record incident-free. Maintaining a clean driving record is the best way to keep your car insurance rates cheap, as safe driving indicates to insurers that you’re not likely to file a claim.
“Auto rates have been rising,” says Loretta Worters, vice president of media relations at the Insurance Information Institute. “These rate increases have to do with labor shortages, supply chain issues, and general inflation. So the best thing a consumer can do is shop around to get the best prices.”
Find Cheap Car Insurance in Huntington
See custom quotes from top auto insurers in minutes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Huntington: State Farm
Liability-only car insurance will protect you financially if you’re at fault in an accident and you do damage to another person’s car, or the other driver and passengers are injured. If you’re hurt or your car is damaged, liability coverage wouldn’t cover those expenses.
The average cost of liability insurance in Huntington is $91 per month. The following table highlights the cheapest car insurance companies for liability-only insurance in Huntington.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$35
USAA
$42
Erie
$43
GEICO
$64
National General
$71
Progressive
$76
Nationwide
$81
Liberty Mutual
$83
Direct Auto
$84
Clearcover
$86
Allstate
$89
Dairyland
$96
Foremost
$104
CSAA
$110
Midvale Home & Auto
$110
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Huntington: State Farm
Full-coverage car insurance offers everything that liability coverage offers, as well as collision and comprehensive coverage. Collision provides reimbursement after collisions with other vehicles or stationary objects like trees and light poles. It also covers rollover accidents and pothole damage. Comprehensive covers non-collision events, including vehicle theft, vandalism, fire, and damage from severe weather events.
The average cost of full-coverage insurance in Huntington is $172 per month. The following table shows the cheapest car insurance companies in Huntington for full coverage.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$59
USAA
$71
Erie
$72
GEICO
$107
Progressive
$128
Nationwide
$134
Allstate
$149
National General
$152
Midvale Home & Auto
$160
Clearcover
$173
Direct Auto
$179
Liberty Mutual
$194
CSAA
$208
Foremost
$259
Dairyland
$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in West Virginia
West Virginia requires drivers to register their vehicles, carry a minimum amount of car insurance, and keep proof of insurance carried in their vehicles at all times. Drivers must carry at least the following insurance coverage amounts to drive legally in West Virginia.[1]
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage
West Virginia requires insurers to offer motorists $25,000 to $50,000 per accident for property damage by an uninsured motorist. Underinsured motorist cover is optional, but if you choose to buy it, you'll need to purchase $25,000 to $300,000 per accident for bodily injury.
Most insurance professionals recommend drivers buy more than minimum coverage. Adding full coverage and optional coverages can provide greater financial protection than a basic liability-only policy. Here are some optional coverages to consider:
Accident forgiveness
If you buy accident forgiveness when you purchase your car insurance policy, your rates won't increase after your first at-fault accident. This coverage kicks in to hold your rates steady when it's time for your policy to renew.
Gap insurance
A new car loses value quickly. If your new financed or leased vehicle gets totaled in an accident, your insurer will pay your lender or leasing company the actual cash value of the vehicle, which will likely be less than you owe on it. You'd be on the hook for the remaining balance, unless you buy gap insurance. Guaranteed asset protection bridges the gap between what a financed vehicle is worth and what you owe on it.
Rental car reimbursement
Rental reimbursement helps cover the cost of a rental car, up to a certain number of days, if your car is in the shop for repairs following a covered accident.
Roadside assistance
Adding roadside assistance coverage to your policy can help ensure you have someone to call on if your vehicle breaks down, its battery dies, or you get a flat tire. While coverage specifics vary based on insurer, roadside assistance typically covers towing, jump starts, changing a flat tire, and more.
Cheapest car insurance for drivers with an incident
When any driver has an incident — such as an at-fault accident, speeding ticket, driving under the influence (DUI) conviction, or some other type of moving violation — they usually pay more expensive premiums for several years. Insurers see an incident as a sign that the driver is a risk to insure, and risky drivers generally receive higher premiums than non-risky drivers.[2]
In Huntington, an incident can increase premiums significantly. Here are the cheapest car insurance companies in Huntington based on driving record.
Find Car Insurance in Huntington, West Virginia
Liability-only rates start at $35/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
If you live in Huntington and you have a speeding ticket on your record, you should expect to pay more for car insurance since your insurer will likely add a surcharge to your policy. The average cost of coverage after a speeding ticket in Huntington is $155 per month for liability and $292 per month for full coverage.
Here are the average liability rates of the cheapest car insurance companies in the city for drivers with speeding tickets and how they compare to rates for drivers with a clean record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$35
$50
USAA
$42
$60
Erie
$43
$63
GEICO
$64
$92
National General
$71
$102
Progressive
$76
$109
Nationwide
$81
$117
Liberty Mutual
$83
$129
Direct Auto
$84
$121
Clearcover
$86
$125
Allstate
$89
$128
Dairyland
$96
$138
Foremost
$104
$162
CSAA
$110
$161
Midvale Home & Auto
$110
$163
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Causing an accident increases your premiums because your insurance company had to pay out the other driver for their claim. Unless you have accident forgiveness coverage, you’ll likely pay more expensive car insurance rates after an at-fault accident.
The average cost of coverage after an at-fault accident in Huntington is $149 per month for liability and $282 per month for full coverage. If you have an at-fault accident on your record, here are the cheapest liability rates in Huntington to start your search.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$35
$50
USAA
$42
$61
Erie
$43
$63
GEICO
$64
$93
National General
$71
$103
Progressive
$76
$111
Nationwide
$81
$118
Liberty Mutual
$83
$130
Direct Auto
$84
$124
Clearcover
$86
$132
Allstate
$89
$128
Dairyland
$96
$138
Foremost
$104
$163
CSAA
$110
$165
Midvale Home & Auto
$110
$168
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
West Virginia averages about 262 traffic fatalities per year, according to the Federal Highway Administration. Alcohol is a factor in many fatal accidents. Because DUIs are such serious convictions, drivers pay more on average for car insurance after a DUI than almost any other incident.
The average cost of coverage after a DUI in Huntington is $168 per month for liability and $317 per month for full coverage. If you have a DUI on your record, here are the cheapest liability rates in Huntington to start your search.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$35
$62
USAA
$42
$74
Erie
$43
$76
GEICO
$64
$113
National General
$71
$125
Progressive
$76
$134
Nationwide
$81
$143
Liberty Mutual
$83
$146
Direct Auto
$84
$148
Clearcover
$86
$152
Allstate
$89
$157
Dairyland
$96
$169
Foremost
$104
$183
CSAA
$110
$194
Midvale Home & Auto
$110
$194
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Along with many other factors, insurers base car insurance premiums on your age. Rates often decrease around age 25 but start increasing again when people reach age 70 because of an increased risk of accidents.[3]
Senior drivers in Huntington pay an average of $64 per month for liability coverage and $121 per month for full coverage. Here are other cheap car insurance companies for seniors in Huntington.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$25
$42
Erie
$29
$49
USAA
$31
$52
GEICO
$47
$79
Progressive
$50
$84
National General
$51
$110
Nationwide
$56
$92
Direct Auto
$60
$128
Liberty Mutual
$62
$145
Clearcover
$64
$129
Allstate
$66
$111
Dairyland
$71
$195
Foremost
$75
$187
Midvale Home & Auto
$78
$113
CSAA
$79
$150
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Because teenage drivers are new to driving, and have the highest accident rates of any age group, insurers charge them higher premiums. Huntington teens and young drivers’ rates are an average of $181 per month for liability coverage and $343 per month for full coverage
But you still have ways to keep your premiums relatively low. If you stay on your parents’ insurance, drive a vehicle model that your insurer considers a safe vehicle, and report high grades to your insurer for a good student discount, you may be able to secure lower rates. Plus, if you're under 18, you can't legally buy your own policy without the written consent of a parent or guardian.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$63
$106
USAA
$74
$125
Erie
$77
$129
GEICO
$107
$180
National General
$144
$309
Progressive
$145
$244
Nationwide
$147
$243
Direct Auto
$161
$344
Liberty Mutual
$161
$376
Allstate
$165
$277
Dairyland
$170
$467
Clearcover
$176
$353
CSAA
$191
$362
Foremost
$195
$486
Midvale Home & Auto
$201
$292
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Huntington, West Virginia
See personalized rates from top car insurance companies in minutes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Huntington car insurance quotes by credit tier
Insurers are allowed to use a consumer’s credit history as a basis for raising or lowering insurance premiums in most states. If you have excellent or good credit, you’ll likely have lower rates than people with poor credit scores.
The graph below shows how your credit tier can affect your average monthly insurance premiums in Huntington.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Huntington?
Car insurance in Huntington is almost equal to the national average. The U.S. national average for full-coverage car insurance is $214 per month, and liability-only coverage averages $105 per month. In Huntington, motorists pay $172 per month for full-coverage car insurance and $91 for liability only, on average.
Your ZIP code will often play a part in the price of your insurance premium. For instance, if you live in a city with a lot of traffic and a high accident rate, you might pay more than a driver in a small town with fewer cars.
“Meanwhile, car insurance has been going up [across the country] because the price of cars has shot up during this age of inflation,” says Worters. Quote comparison is more important than ever if you want to find affordable car insurance.
More cities in West Virginia
Huntington’s car insurance rates are comparable to those in other major West Virginia cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Finding the right car insurance can be stressful. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Huntington.
How much is car insurance in Huntington?
The average cost of car insurance in Huntington is $91 per month for liability coverage and $172 per month for full coverage.
What are the best car insurance companies in Huntington?
The best car insurance companies in Huntington that Insurify identified include State Farm, Erie, and USAA. These insurers have affordable average rates, high AM Best financial strength ratings, and solid Insurify Quality Scores.
What are the cheapest car insurance companies in Huntington?
The cheapest car insurance companies in Huntington are State Farm, USAA, and Erie, with liability rates starting at $35, $42, and $43 per month, respectively.
But the cheapest company for you depends on your coverage needs and budget. It’s important to shop around and compare cheap rates to find the insurer that offers the best deal for your situation.
What factors affect the cost of car insurance in Huntington?
Such as in any state, factors like your ZIP code, driving record, age, credit history, and more affect the cost of car insurance. Make sure to drive safely, keep your driving record clean, and maintain a strong credit record to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.
How much car insurance do you need in West Virginia?
In West Virginia, drivers need minimum car insurance limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
){kind=logo}
){kind=small}
){kind=small}
)
)
){kind=small}
)
)
State Farm
USAA
Erie Insurance
)
)
)
)
)
)
)
)
)