The average cost of full coverage car insurance in West Virginia is $1,615, but rates will vary widely depending on where in the state you live, as well as your age, driving record, credit score, and any past claims.
The best way to save money on car insurance in West Virginia is by comparing quotes from different companies before you buy. Policygenius can help you see options from top companies so you can choose the coverage that’s right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in West Virginia
Even though they use the same data, like your ZIP code, driving history, credit score, and age, each insurance company has a different formula for calculating your car insurance rates. That’s why it’s so important to shop around and find the company that offers you your best rates.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $869 | 890 |
State Farm | $1,003 | 882 |
Erie | $1,228 | 893 |
GEICO | $1,237 | 874 |
Nationwide | $1,253 | 868 |
Cheapest car insurance companies by age in West Virginia
New drivers and drivers under the age of 25 pay more for car insurance, because their inexperience behind the wheel means they’re more likely to get into an accident and need to file a claim. Young drivers may notice a change in their premiums once they reach 25 and age into a less-risky age group.
Age | Cheapest company | Average cost |
|---|---|---|
16 | State Farm | $2,595 |
18 | State Farm | $2,142 |
21 | USAA | $1,444 |
25 | USAA | $1,082 |
30 | USAA | $918 |
35 | USAA | $874 |
45 | USAA | $816 |
55 | USAA | $769 |
60 | USAA | $765 |
65 | USAA | $789 |
70 | USAA | $893 |
Choosing the right car insurance company in West Virginia
There’s no one car insurance company that’s right for every driver. Because car insurance rates are so personalized, you may get very different rates from your neighbor. That’s why the only way to find the right company for you is to shop around and compare rates before you buy.
Policygenius can help you see what you’d pay for coverage from top companies, so you can choose the policy that works best for your needs.
Car insurance rates for drivers with driving violations in West Virginia
Any moving violations in your driving history will mean higher rates. More serious violations or at-fault accidents will raise your rates more. Keeping a clean record following an accident is the best way to make sure your rates go back down after a few years.
Violation | USAA | State Farm | Erie | GEICO | Nationwide |
|---|---|---|---|---|---|
At-fault accident | $1,285 | $1,178 | $1,497 | $2,454 | $2,006 |
DUI | $1,647 | $1,100 | $1,908 | $2,822 | $2,470 |
Suspended license | $1,606 | $1,100 | $1,908 | $3,241 | $2,470 |
Open container | $1,279 | $1,100 | $1,380 | $2,822 | $1,639 |
Expired registration | $1,400 | $1,100 | $1,380 | $1,440 | $1,639 |
Driving without lights | $1,059 | $1,100 | $1,380 | $1,862 | $1,639 |
Running a red light | $1,059 | $1,100 | $1,380 | $1,862 | $1,639 |
Following too closely | $1,059 | $1,100 | $1,380 | $1,862 | $1,639 |
Hit and run | $1,684 | $1,100 | $1,908 | $3,241 | $2,470 |
Not-at-fault accident | $918 | $1,021 | $1,259 | $1,481 | $1,292 |
Passing a school bus | $1,279 | $1,100 | $1,380 | $1,862 | $1,639 |
Reckless driving | $1,279 | $1,100 | $1,380 | $3,241 | $2,470 |
Speeding | $1,059 | $1,100 | $1,380 | $3,241 | $1,639 |
Cheapest car insurance for drivers with bad credit in West Virginia
Drivers with bad credit generally pay more for car insurance than drivers with good credit. If you know your credit is poor, it’s all the more important to shop around and find your most affordable options.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,633 |
Nationwide | $1,734 |
GEICO | $1,839 |
Westfield Insurance | $1,951 |
State Farm | $2,177 |
Car insurance costs in West Virginia cities
Car insurance premiums can vary from city to city, depending on things like rates of theft and vandalism, the number of at-fault accidents and claims, even the average cost of repairs in your city can mean higher or lower rates. Here’s what drivers pay for coverage in the ten largest cities in West Virginia.
Charleston: $1,558
Huntington: $1,554
Morgantown: $1,461
Parkersburg: $1,481
Wheeling: $1,399
Fairview: $1,467
Weirton: $1,458
Martinsburg: $1,383
Beckley: $1,542
Clarksburg: $1,449
Buying car insurance in West Virginia
more than the state minimum requirements, but all West Virginia drivers must have the following:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured/underinsured motorist coverage: Coverage must equal liability coverage ($25,000 per person and $50,000 per accident). But there’s also a state maximum of 100/300/50.
West Virginia is an at-fault state. That means that after an accident, the driver found at-fault for the accident will be legally and financially responsible for any damage or injuries resulting from that accident, and claims will be filed with the at-fault driver’s insurance.
West Virginia also has modified comparative negligence laws. This means each driver in an accident can be attributed a percentage of fault for which they’re financially responsible. To fully protect themselves, West Virginia drivers should have more than the minimum levels of liability coverage required by law.
How to get cheap car insurance in West Virginia
One of the best ways to find affordable car insurance coverage is to take advantage of any available discounts. Some of the most common car insurance discounts include:
Bundling discount
Safe driver discount
Good student discount
Accident-free discount
Multi-car discount
Paid-in-full discount
Low mileage discount
Military discount
If you are not eligible for any discounts, you can still find the cheapest rates by comparing quotes from different companies when you shop. You should also reshop for car insurance whenever your policy is up for renewal, to make sure you’re not missing out on cheaper coverage with another company.
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Frequently asked questions
Who has the cheapest car insurance in West Virginia?
USAA currently has the cheapest car insurance in West Virginia. However, that doesn’t mean USAA is the right insurance company for every driver, and not every driver will qualify for coverage. It’s important to compare rates from different companies to find the cheapest option for you.
Is car insurance expensive in West Virginia?
Compared to the national average cost of coverage, car insurance is slightly less expensive in West Virginia. However, at $1,615 per year for car insurance in the state, coverage costs only about $20 less per year in West Virginia than the national average.
Will my gender impact my car insurance premiums in West Virginia?
Gender and marital status do play a role in determining premiums in West Virginia, but their impact is minimal. Your age, address, credit score, driving history and any past claims will matter much more when it comes to car insurance.
In West Virginia, which violation will have the greatest impact on my rates?
In West Virginia, a DUI will cause the biggest increase in your insurance premiums. So if you’ve got a recent DUI on your record, you may have to look harder to find a company that will still offer you affordable coverage.
