Temporary Car Insurance in West Virginia:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Temporary Car Insurance West Virginia (2022)

For drivers looking for temporary insurance 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 will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

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 temporary car insurance for drivers in West Virginia.

What Is Temporary Car Insurance and How to Get It in West Virginia?

Although auto insurance is mandatory for anyone who wants to operate a vehicle in West Virginia, there are still several options to choose from when it comes to coverage. For example, drivers are able to choose between six-month and one-year policies for their insurance. Many choose the temporary, six-month car insurance because it provides better flexibility.

It is also a great option for people who are rate seekers because it allows them to shop for rates twice a year. Other drivers, such as students, can benefit from a short-term plan because it allows them to have the coverage when they need it, as opposed to for an entire year.

What Are the Average Short-Term Car Insurance Rates in West Virginia?

West Virginia drivers can expect their average short-term car insurance rates to be more expensive than in many states throughout the country. On average, most customers pay $228 a month for coverage, or a total of $1,369 for a six-month policy. While it may not be the most expensive state, shopping around for better rates is still highly recommended.

Length of Short-Term Insurance Policy
6 months$228$1,369

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in West Virginia?

There are many benefits to choosing a six-month auto insurance policy in West Virginia. The biggest reason people go with a temporary policy is the pricing benefits it provides. Not only does it allow drivers to shop for rates multiple times per year, but it also allows them to take advantage of special discounts offered by insurance providers.

Another benefit that six-month policies provide is that they can be used to boost a poor driving history. They provide opportunities to prove that you can maintain a clean record without violations or missing payments. To find out if you qualify for a cheaper temporary insurance plan, use a resource like Insurify, which allows you to compare multiple quotes within minutes.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in West Virginia within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in West Virginia

Insurance prices and policies can vary significantly between companies, and a state like West Virginia draws a wide variety of choices when drivers are evaluating temporary car insurance plans.

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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.

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.