The best car insurance in West Virginia

The average cost of full coverage car insurance in West Virginia is $1,681, 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.

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.

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	$2,676
18	State Farm	$2,206
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

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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	Nationwide	GEICO
At-fault accident	$1,097	$1,205	$1,450	$1,924	$2,797
DUI	$1,647	$1,123	$1,851	$2,365	$3,154
Suspended license	$1,606	$1,123	$1,851	$2,365	$3,628
Open container	$1,279	$1,123	$1,336	$1,553	$3,154
Expired registration	$1,400	$1,123	$1,336	$1,553	$1,655
Driving without lights	$1,059	$1,123	$1,336	$1,553	$2,140
Not showing documents	$1,059	$1,123	$1,336	$1,553	$1,655
Running a red light	$1,059	$1,123	$1,336	$1,553	$2,140
Failure to yield	$1,059	$1,123	$1,336	$1,553	$2,140
Following too closely	$1,059	$1,123	$1,336	$1,553	$2,140
Hit and run	$1,684	$1,123	$1,851	$2,247	$3,332
Illegal turn	$1,059	$1,123	$1,336	$1,553	$2,140
Improper passing	$1,059	$1,123	$1,336	$1,553	$2,140
Not-at-fault accident	$918	$1,041	$1,219	$1,227	$1,705
Passing a school bus	$1,279	$1,123	$1,336	$1,553	$2,140
Racing	$1,647	$1,123	$1,851	$2,365	$3,628
Reckless driving	$1,279	$1,123	$1,336	$2,365	$3,628
Speeding	$1,059	$1,123	$1,336	$1,553	$3,628

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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.

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: $1,618

• Huntington: $1,616

• Morgantown: $1,513

• Parkersburg: $1,536

• Wheeling: $1,452

• Fairmont: $1,525

• Weirton: $1,514

• Martinsburg: $1,432

• Beckley: $1,607

• Clarksburg: $1,508

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.

Find car insurance in your city:

• Best car insurance in Martinsburg

Methodology

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.