The best car insurance in West Virginia

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 17, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

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.

Ready to shop car insurance?

Start calculator

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.

Key Takeaways

  • USAA has the lowest average rate for full coverage in West Virginia, at $869 a year

  • State Farm has the best rate for 18-year-old drivers in West Virginia

  • West Virginia drivers are required to have $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

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

$1,023

881

Erie

$1,165

880

Nationwide

$1,192

876

GEICO

$1,402

871

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

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

Driving with a suspended license

$1,606

$1,123

$1,851

$2,365

$3,628

Driving with an open container

$1,279

$1,123

$1,336

$1,553

$3,154

Driving with 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

Failure to show documents

$1,059

$1,123

$1,336

$1,553

$1,655

Failure to stop at a red light

$1,059

$1,123

$1,336

$1,553

$2,140

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

$1,644

Westfield Insurance

$2,033

GEICO

$2,128

State Farm

$2,220

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

Ready to shop car insurance?

Start calculator

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.

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.

Will my gender impact my car insurance premiums?

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.

Which violation will have the greatest impact on my rates?

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.

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.