$32/mo
$32/mo
$34/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in West Virginia pays on an average of $1052 for six months for car insurance, which is more than the national average. USAA offers cheap and the best rates in West Virginia.
USAA offers the cheapest liability coverage in West Virginia at $32/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in West Virginia ↓
USAA provides cheap full insurance coverage in West Virginia at $128/month, offering excellent value.
Read about the cheapest full coverage companies in West Virginia ↓
Encompass is the cheapest option after an at-fault accident in West Virginia at $61 per month.
Read more about best car insurance companies after at-fault accident in West Virginia ↓
Westfield was named the best overall by J.D. Power and AM Best, making it a top pick among West Virginia’s best car insurers.
Check out the full list of the best car insurance companies in West Virginia ↓For drivers looking to meet West Virginia minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in West Virginia is widely available from providers like USAA at $32/month. If you opt for Nationwide you will have to pay at least $102/month for your car insurance premium, which is the highest in West Virginia.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $190 | $32 |
| Westfield | $190 | $32 |
| Erie | $202 | $34 |
| Encompass | $279 | $47 |
| State Farm | $285 | $48 |
| Allstate | $517 | $88 |
| Progressive | $523 | $87 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis USAA offers the cheapest car insurance for full coverage in West Virginia at $128 per month. On the other hand Allstate offers the most expensive rate at $250 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $760 | $128 |
| Erie | $838 | $141 |
| Westfield | $873 | $147 |
| Encompass | $927 | $158 |
| Progressive | $1057 | $178 |
| State Farm | $1057 | $178 |
| Nationwide | $1420 | $237 |
Get Your Car Insurance Quote in West Virginia Instantly!
Westfield stands out as the best car insurance provider in West Virginia, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Erie is a top pick for drivers seeking value and reliability.
Westfield offers a six-month premium of $350, which amounts to approximately $58 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Erie is $653, which is higher than Westfield's by $303. Their higher monthly premium is, due to their strict policies on traffic violations.
State Farm's premium is $784, which is significantly more expensive than Erie's by $131. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $350 | $58 |
| Erie | $653 | $110 |
| State Farm | $784 | $132 |
| USAA | $802 | $136 |
Teens and young drivers in West Virginia often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in West Virginia is
$2880 for 6 months, which is more than the national average.
Erie is the best options for cheap
car insurance for young drivers in West Virginia.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $1135 | $191 |
| Westfield | $1176 | $198 |
| USAA | $1348 | $227 |
| State Farm | $1818 | $306 |
| Progressive | $3926 | $661 |
| Allstate | $5108 | $860 |
| Nationwide | $5649 | $941 |
Car insurance rates in West Virginia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the West Virginia remained steady at $222 in both Feb and Jan, indicating no change over the two-month period.
The average liability insurance cost in the West Virginia remained steady at $222 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Encompass gives you the cheapest car insurance rate after an at-fault accident in West Virginia at $61/month. On the other hand Nationwide is the most expensive option at $396/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Encompass | $368 | $61 |
| Erie | $665 | $112 |
| Westfield | $725 | $122 |
| USAA | $748 | $126 |
| State Farm | $814 | $137 |
| Progressive | $1752 | $295 |
| Allstate | $2263 | $381 |
If you are living in West Virginia you should opt for USAA. USAA ranks as number 1 across various factors like customer satisfaction, claims and rates.
In West Virginia, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
West Virginia may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in West Virginia after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1028 | $171 |
| One Med/PIP claim | $1028 | $175 |
| One comp claim | $1063 | $177 |
| Not-at-fault accident | $1069 | $182 |
| Two Med/PIP claims | $1075 | $179 |
| Two comp claims | $1129 | $192 |
| Failure to wear a seat belt | $1152 | $192 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in West Virginia is Erie at $160 per month. Nationwide at $487 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $950 | $160 |
| USAA | $1105 | $186 |
| State Farm | $1135 | $191 |
| Progressive | $1313 | $221 |
| Westfield | $1390 | $234 |
| Allstate | $2002 | $337 |
| Nationwide | $2922 | $487 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Falling Waters | $939 | $156 |
| Martinsburg | $939 | $160 |
| Shenandoah Junction | $944 | $157 |
| Shepherdstown | $944 | $161 |
| Bunker Hill | $950 | $158 |
| Gerrardstown | $950 | $162 |
| Glengary | $950 | $158 |
| Hedgesville | $950 | $162 |
| Inwood | $950 | $158 |
| Ridgeway | $950 | $162 |
| Charles Town | $956 | $159 |
| Kearneysville | $956 | $163 |
