Cheapest Car Insurance West Virginia

Because insurance rates are slightly cheaper in West Virginia than the national average, you have a good chance at finding great car insurance in the Mountain State at excellent rates. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers.

Cheapest Car Insurance Companies in West Virginia

The cheapest car insurance companies in West Virginia are Erie Insurance, USAA, State Farm, Nationwide and Progressive. Below are the overall and cost ratings for each provider.

West Virginia Car Insurance Companies	Overall Rating	Cost Rating	# of Discounts Offered	Learn More
Erie Learn More	9.4	9.9	16	Learn More
USAA Learn More	9.2	9.7	9	Learn More
State Farm Learn More	9.4	9.3	16	Learn More
Nationwide Learn More	9.1	9.7	16	Learn More
Progressive Learn More	9.0	7.8	N/A	Learn More

West Virginia Car Insurance Companies	Overall Rating	Cost Rating	# of Discounts Offered	Learn More
Erie Learn More	9.4	9.9	16	Learn More
USAA Learn More	9.2	9.7	9	Learn More
State Farm Learn More	9.4	9.3	16	Learn More
Nationwide Learn More	9.1	9.7	16	Learn More
Progressive Learn More	9.0	7.8	N/A	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in West Virginia.

Because car insurance companies have different calculation methods for premiums, no two auto insurance quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in West Virginia.

Cheapest Car Insurance Coverage in West Virginia

The coverage level you choose has a major impact on rates. Many car insurance quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in West Virginia for both coverage types.

Cheapest Liability Car Insurance in West Virginia

At $22 per month or $263 per year, USAA provides the cheapest liability car insurance on average in West Virginia. Erie Insurance and State Farm are also affordable options for motorists. Below is the complete list of cheap liability coverage options in West Virginia.

*All drivers in West Virginia are required to have minimum liability coverage, which is the cheapest car insurance coverage level.

Cheapest Full Coverage Car Insurance in West Virginia

USAA tends to provide the cheapest full coverage car insurance in West Virginia, costing $98 per month or $1,172 per year on average. Nationwide and Erie Insurance are also good options for West Virginia drivers. We highlight the complete list of the cheapest full coverage options for auto insurance in the state below.

These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Age, driving history and a person’s credit scores can significantly impact the cost of car insurance in West Virginia. Below we compare cheap car insurance estimates for West Virginia drivers in these categories.

Cheapest Car Insurance for Young Drivers in West Virginia

Young drivers can pay significantly more for car insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in West Virginia, along with estimated monthly and annual costs.

Cheapest West Virginia Car Insurance for 16-Year-Olds

On average, 16-year-olds on their own full coverage auto insurance policies pay a whopping $754 per month or $9,046 per year on average. However, teen drivers can often find much lower rates from companies like State Farm and Nationwide.

Cheapest West Virginia Car Insurance for 17-Year-Olds

Car insurance for 17-year-olds is also very expensive at around $431 per month or $5,170 per year. State Farm, Geico and Erie Insurance are some of the cheapest options for this age group.

*Costs were taken from 2022 information.

Cheapest West Virginia Car Insurance for 18-Year-Olds

Average car insurance rates for 18-year-olds in West Virginia are around $377 per month or $4,527 per year according to our estimates. Eighteen-year-olds can find some of the most affordable rates from USAA, Geico and Nationwide.

*Costs were taken from 2022 information.

Cheapest West Virginia Car Insurance for 21-Year-Olds

Full coverage car insurance rates decrease significantly once drivers turn 21. On average, this age group pays about $212 per month or $2,543 per year for car insurance.

*Costs were taken from 2022 information.

Cheapest West Virginia Car Insurance for 25-Year-Olds

Twenty-five-year-old drivers only pay slightly more than middle-aged drivers for car insurance in West Virginia. The average annual rate for this age group is $216 per month or $2,593 per year.

Cheapest West Virginia Car Insurance for High-Risk Drivers

Besides your age and location, your driving record and credit score can affect how much you pay for a car insurance policy in West Virginia.

Cheapest West Virginia Car Insurance for Drivers With a Speeding Ticket

A recent speeding ticket can cause your insurance rates to skyrocket in the Mountain State. We found drivers pay an average of $227 per month or $2,722 per year for full coverage car insurance.

Cheapest West Virginia Car Insurance for Drivers With a Recent Accident

Having a recent at-fault accident on your record makes you a riskier driver in the eyes of car insurance companies. Our rate estimates show drivers pay an average of $266 per month or $3,195 per year for a full coverage policy.

Cheapest West Virginia Car Insurance for Drivers With a DUI

Drivers with a recent DUI on their record can expect to pay substantially more for car insurance in West Virginia. On average, drivers pay $371 per month or $4,456 per year for full car insurance coverage.

Cheapest West Virginia Car Insurance for Drivers With Poor Credit

West Virginia drivers with poor credit scores can pay hundreds more for car insurance premiums every year. We found that drivers pay an average of $344 per month or $4,123 per year for full coverage car insurance.

Car Insurance Deals in West Virginia

Auto insurance companies in West Virginia provide several discount and deal options for motorists. The table below shows the car insurance discounts offered by the cheapest car insurance providers in the state, which we’ll discuss in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in West Virginia

West Virginia motorists pay moderately expensive prices for car insurance on average, and discounts can help bring those costs down. Each company is typically a little different in its deal offerings, however, there are some typical discounts that most providers have.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Save by bundling two or more insurance policies with the same company
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies will earn you this discount
• Military: Applies whether you’re a veteran or active military member
• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: If you own a home, you may qualify for this discount
• Good student: Typically students under 25 will earn this discount if they keep a B average in their classes
• Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Take a defensive driving course to qualify for this discount
• Driver training: Get a discount by partaking in a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Mountain State, the sections below contain more detailed information.

West Virginia drivers pay an average of $2,177 per year or $181 per month for full coverage car insurance, which is about 8% above the national average of $2,008 per year. Compared to other states, West Virginia is the 25th-most expensive state to insure your vehicle.

The cheapest type of car insurance in West Virginia is minimum liability coverage. According to our estimates, drivers pay about $604 per year or $50 per month on average for minimum coverage in the state.

West Virginia Car Insurance Cost by Age

Age is one of the most significant factors that influences how much you pay for car insurance in West Virginia. Since younger drivers are more likely to get into an accident, they pay more for car insurance. Below, you can see how West Virginia auto insurance rates change as drivers age.

West Virginia Car Insurance Cost by City

While car insurance rates differ from state to state, they also vary between cities in the same state. West Virginia car insurance rates tend to be higher in bigger cities and lower in rural areas. Here are a few sample car insurance estimates for cities in West Virginia:

*City averages apply to the three most popular providers in each location.

Factors That Affect West Virginia Car Insurance Rates

Premiums for car insurance in West Virginia are calculated based on each individual’s driving profile.

Some factors used by auto insurance companies when determining rates include:

• Your location
• Vehicle age, make and model
• Your age
• Your gender
• Your marital status
• Driving history
• Credit score
• Chosen deductible amount

Each state sets its own minimum coverage requirements for car insurance. According to the West Virginia Offices of the Insurance Commissioner, the state requires drivers to carry the following:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist coverage: $25,000 per person, $50,000 per accident and $25,000 in property damage liability

West Virginia requires car insurance companies to offer you the maximum level of uninsured motorist coverage, which protects you if an uninsured driver causes an accident. This is $100,000 in uninsured motorist bodily injury liability per person and $300,000 per accident along with $50,000 for uninsured motorist property damage. You can decline those amounts on your insurance policy. The state also requires companies to offer you underinsured motorist coverage with limits that match minimum liability insurance.

As you may have noticed, the state minimum requirements don’t cover your car if you cause an accident or encounter environmental damage. They also don’t cover any of your injuries if you are at fault for the accident. For greater protection, consider adding:

• Medical payments (MedPay)
• Collision insurance
• Comprehensive coverage

How To Get Car Insurance in West Virginia

We recommend comparing auto insurance quotes each time you shop for insurance to find the best price and coverage.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of West Virginia. We also looked at average cost of car insurance and coverage requirements in the Mountain State.

Cheapest Car Insurance in West Virginia: FAQ

Below are frequently asked questions about the cheapest car insurance in West Virginia.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.