120+ more*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Drivers in West Virginia pay an average of $79 per month for minimum coverage. This is significantly less than the nationwide monthly average of $97.
Full coverage in Virginia averages $143 per month, which is less than the nationwide average of $183 per month.
Every insurance company charges different rates. Insurify’s data experts collected quote information from 14 car insurance companies operating in West Virginia.
The table below shows the companies with the cheapest rates for different driver categories.
Driver Category | Cheapest Insurance Company in WV | Cheapest Monthly Quote in WV |
|---|---|---|
| Overall | State Farm | $40 |
| State-minimum coverage | State Farm | $40 |
| Full coverage | State Farm | $76 |
| Drivers with a clean record | State Farm | $40 |
| After a speeding ticket | State Farm | $50 |
| After an at-fault accident | State Farm | $51 |
| After a DUI | State Farm | $54 |
| Teen/new drivers | State Farm | $81 |
| Seniors | State Farm | $32 |
| Bad credit | State Farm | $58 |
State Farm has the cheapest liability insurance rates in West Virginia, averaging $40 per month. West Virginia drivers are required to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.
The state also requires all drivers to carry uninsured motorist coverage in the same 25/50/25 amounts.[1]
The table below shows the insurers with the cheapest liability-only rates in West Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| USAA | $48 |
| Erie | $49 |
| Progressive | $60 |
| Safeco | $70 |
| GEICO | $73 |
| National General | $75 |
| Root | $85 |
| Direct Auto | $86 |
| Dairyland | $90 |
| Nationwide | $91 |
| Allstate | $101 |
| Liberty Mutual | $116 |
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Austin Moyers
Sales Manager, Insurify
If you’re at fault in an accident, a state-minimum policy in West Virginia may not fully cover the damages — especially if multiple people are seriously injured or you total someone’s new car. That’s why it’s wise to consider a policy with higher liability limits.
State Farm has the cheapest average full-coverage car insurance in West Virginia. Full coverage includes comprehensive and collision insurance, which protects your car from at-fault accidents, theft, and non-collision events, like hail or hitting an animal.
West Virginia leads the country in animal collisions, where drivers have a 1 in 40 chance of hitting an animal, according to State Farm.
The table below shows the companies with the cheapest full-coverage car insurance in West Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| USAA | $91 |
| Erie | $92 |
| Progressive | $103 |
| Safeco | $123 |
| GEICO | $139 |
| Root | $149 |
| National General | $161 |
| Nationwide | $172 |
| Direct Auto | $176 |
| Liberty Mutual | $187 |
| Allstate | $192 |
| CSAA | $193 |
| Dairyland | $277 |
*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In West Virginia, the cheapest car insurance companies are among the best car insurance options, too. This is good news for many West Virginians, as the median household income in the state is just under $60,000 per year, according to the U.S. Census Bureau.[2]
Let’s take a closer look.
| User Reviews | 4.4 |
|---|---|
| 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. | 8.4 /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. | $49/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. | $92/mo |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie is the second-most-popular insurer in West Virginia, with almost 16% market share. As a small regional insurer covering just 12 Eastern states, Erie focuses on providing top-notch service, as evidenced by its high customer satisfaction ratings and online scores.
Highest overall J.D. Power customer satisfaction ranking
Deductible waiver with some full-coverage policies
Savings with ERIE Rate Lock, First Accident Forgiveness, and Diminishing Deductible
Poor J.D. Power digital experience rating
Telematics app offers only gift cards, not actual discounts
Can’t buy a policy online
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $48/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. | $91/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
West Virginia is home to two major Air National Guard military installations. For those military members and their families, as well as the state’s 125,000 veterans, USAA offers affordable coverage.
Policies are frequently cheaper than with other insurers, and the company received high ratings for customer service and claims satisfaction.
A++ (Superior) AM Best financial strength rating
Full-service banking and financial services available
High J.D. Power ratings for claims satisfaction, digital service, and overall customer happiness
Available only to people with some military affiliation
Poor Trustpilot rating (1.3/5)
No local offices
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $40/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. | $76/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm is by far the most popular choice among West Virginia drivers, with almost 31% market share. It’s worth getting an auto insurance quote from State Farm because it offers the lowest minimum and full-coverage rates for drivers in West Virginia across most categories, according to Insurify data.
Many available car insurance discounts
Lowest prices for many West Virginia drivers
Dozens of local agents
No accident forgiveness
Poor Better Business Bureau (BBB) customer reviews
Car insurance rates are rising nationwide, but Insurify projects rates in West Virginia will remain roughly the same in 2026 as in 2025.
Many factors contribute to average car insurance rates in West Virginia over time. More people in the state use seat belts than in previous years, with the rate increasing from 50% in 2000 to 90% in 2019, which helps save lives.[3]
West Virginia’s traffic fatality rate is the third highest in the country, with Kanawha County leading the state in the number of fatalities[4]
The following table shows how car insurance rates have changed in West Virginia over the past five years.
Check quotes from 120+ top insurance companies
If you own your car outright, you can save money by buying the minimum required insurance coverage in West Virginia. Although insurance experts recommend buying more than the state minimum, here’s what West Virginia requires:
Covers injuries you’re responsible for, up to $25,000 per person and $50,000 per accident
Pays for property damage you cause, up to $25,000, such as hitting another driver’s car or running into a neighbor’s fence
If an uninsured driver hits you, this coverage pays up to $25,000 for medical costs
Similarly, if an uninsured driver damages your car or other property, this coverage reimburses you up to $25,000
Under West Virginia law, insurers must also offer you underinsured motorist coverage, but you aren’t required to purchase it. Underinsured motorist coverage is a type of car insurance coverage that helps cover your damages if someone hits you and they aren’t carrying enough coverage.
Auto insurance rates can vary depending on where you live. Larger cities in the state, like Charleston and Huntington, typically have higher average rates than the smaller towns of Martinsburg, Morgantown, and Parkersburg.
These higher rates may be due to higher population density, more traffic, and more claims. The following table shows average monthly insurance quotes for several West Virginia cities.
City | Average Monthly Quote |
|---|---|
| Charleston | $118 |
| Huntington | $122 |
| Martinsburg | $109 |
| Morgantown | $109 |
| Parkersburg | $114 |
Insurers reward good drivers with lower premiums. Many companies even offer discounts to West Virginians who haven’t had any negative marks on their driving record in a few years.
The table below shows the companies with the cheapest rates for drivers with a clean driving record and good credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| Erie | $45 |
| USAA | $46 |
| Progressive | $60 |
| GEICO | $70 |
| Safeco | $73 |
| National General | $75 |
| Direct Auto | $80 |
| Dairyland | $84 |
| Root | $84 |
| Nationwide | $85 |
| Allstate | $99 |
| Liberty Mutual | $119 |
In West Virginia, 3.3% of drivers have a speeding ticket on their record, according to Insurify data. First-time offenders face a fine of up to $100, while subsequent violations carry increasingly steeper penalties. Speeding in a school zone carries hefty fines and up to six months in jail.[5]
The following table shows the cheapest rates in West Virginia for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $62 |
| Erie | $64 |
| Progressive | $74 |
| Safeco | $91 |
| National General | $92 |
| GEICO | $95 |
| Direct Auto | $107 |
| Dairyland | $111 |
| Root | $112 |
| Nationwide | $117 |
| Allstate | $130 |
| Liberty Mutual | $146 |
Almost 4.5% of West Virginia drivers have an at-fault accident on their driving record, according to Insurify data. In West Virginia, drivers who leave the scene of an accident resulting in injuries face a fine of up to $1,000 and a jail sentence of up to one year.
Below are the most affordable car insurance rates in West Virginia for drivers with an at-fault accident on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| USAA | $62 |
| Erie | $63 |
| Progressive | $72 |
| National General | $90 |
| GEICO | $92 |
| Safeco | $94 |
| Root | $109 |
| Direct Auto | $112 |
| Dairyland | $114 |
| Nationwide | $117 |
| Allstate | $130 |
| Liberty Mutual | $147 |
In the past five years, 23% of West Virginia’s traffic fatalities were related to alcohol.[6] Insurify data shows that nearly 0.61% of West Virginia drivers have a driving under the influence (DUI) conviction.
If police catch you driving under the influence in West Virginia, you’ll face a fine of up to $3,000 and mandatory jail time, depending on the severity of your crime.
The table below shows the cheapest rates for West Virginia drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $54 |
| USAA | $65 |
| Erie | $66 |
| Progressive | $76 |
| National General | $95 |
| GEICO | $98 |
| Safeco | $101 |
| Root | $116 |
| Direct Auto | $116 |
| Dairyland | $122 |
| Nationwide | $123 |
| Allstate | $137 |
| Liberty Mutual | $157 |
West Virginia doesn’t require SR-22 insurance, although the West Virginia Division of Motor Vehicles monitors driver behavior and may suspend your license after you accumulate a certain number of points.
Below are the companies with the cheapest car insurance for drivers with an SR-22 who need an out-of-state filing.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| USAA | $58 |
| Erie | $59 |
| Progressive | $73 |
| Safeco | $85 |
| GEICO | $88 |
| National General | $91 |
| Root | $103 |
| Direct Auto | $104 |
| Dairyland | $109 |
| Nationwide | $110 |
| Allstate | $122 |
| Liberty Mutual | $140 |
Let us do the work getting quotes from 120+ companies. You sit back and save!
West Virginia has a graduated driver licensing program. Teens can get a learner’s permit at age 15, a Level 1 license at age 16, and a Level 3 license at age 17.
Higher fatality rates are a major reason car insurance is more expensive for teen drivers in West Virginia. Between 2021 and 2023, the number of teen drivers in West Virginia involved in fatal collisions increased from 16 to 34.
Below are the companies with the cheapest rates for teen drivers in West Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| USAA | $93 |
| Erie | $95 |
| Progressive | $119 |
| GEICO | $139 |
| Safeco | $148 |
| National General | $149 |
| Root | $155 |
| Dairyland | $165 |
| Direct Auto | $175 |
| Nationwide | $186 |
| Allstate | $209 |
| Liberty Mutual | $214 |
West Virginians tend to skew a bit older, with 22% of residents older than 65. That’s higher than the national average of 18%. The West Virginia Senate has introduced the West Virginia Driver Safety Modernization Act, which focuses on older drivers and aims to improve roadway safety.
It includes mandatory in-person license renewals for drivers age 75 and older and screenings to assess driving capabilities.
Older drivers tend to be courteous, obeying speed limits and following the rules of the road. For this reason, they pay some of the lowest average premiums.
West Virginia drivers in their 60s pay an average of $69 per month for minimum coverage and $125 per month for full coverage.
The table below shows companies with the cheapest rates for senior drivers in West Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| Erie | $38 |
| USAA | $39 |
| Progressive | $52 |
| GEICO | $58 |
| Safeco | $61 |
| National General | $65 |
| Nationwide | $70 |
| Direct Auto | $71 |
| Root | $72 |
| Dairyland | $77 |
| Allstate | $82 |
| Liberty Mutual | $97 |
The average credit score for Mountain State residents is 702, compared to 715 nationwide, which is considered a good credit score. Drivers with poor credit may pay more for auto insurance, as insurers in West Virginia are allowed to use your credit history as a factor in setting your rates.
Below are liability-only rates in West Virginia for drivers with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| USAA | $59 |
| Erie | $72 |
| Progressive | $75 |
| Safeco | $86 |
| GEICO | $90 |
| National General | $94 |
| Root | $105 |
| Direct Auto | $106 |
| Dairyland | $111 |
| Nationwide | $112 |
| Allstate | $125 |
| Liberty Mutual | $139 |
See below for more information on car insurance in the hills and hollers of West Virginia.
State minimum auto insurance in West Virginia is a 25/50/25 liability policy, plus uninsured motorist coverage in these same amounts. This translates into $25,000 in bodily injury liability coverage per person (up to $50,000 per accident) and $25,000 in property damage liability coverage.
West Virginia drivers pay an average of $79 per month for liability coverage and $143 per month for full coverage. That’s less than the national average of $97 per month for liability insurance and $183 for full coverage.
State Farm has the cheapest car insurance rates across several driver categories in West Virginia. Its liability insurance averages $40 per month.
The average cost of car insurance tends to be higher in the bigger cities in the middle and southern parts of the state. If you live in more northern towns, like Morgantown and Martinsburg, you may pay less for car insurance coverage.
Some car insurance companies, such as GEICO and Erie, offer discounts for having a clean driving record. Others, like State Farm, have telematics programs that monitor your driving habits and reward safe driving behavior.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
