Why Compare Car Insurance Rates in West Virginia:
West Virginia is home to some of North America's most magnificent cultural and natural attractions. West Virginia offers a lifetime of things to see, from the historic Greenbrier resort to the mountain trails of Blackwater Falls State Park. Regardless of whether you're driving to work or packing the SUV for a weekend camping trip, you'll need auto insurance in West Virginia to drive lawfully.
You heard it right. Car insurance in West Virginia is non-negotiable. Just having car insurance in West Virginia is not enough. You will need to follow West Virginia car insurance requirements set by the state.
In West Virginia, more than 40% of households have two cars. The West Virginia car insurance rates are as follows: The average cost of car insurance is $468 per year for state minimum liability coverage and $1539 per year for full coverage. Drivers can get cheap coverage to match their needs by comparing West Virginia rates from different car insurance companies. The key elements influence how low your rates are where you live in West Virginia and your driving history. Car insurance in West Virginia is inexpensive. You can get cheap car insurance quotes in West Virginia.
While where you reside has a significant impact on how much you pay for auto insurance, other factors such as your driving record, age, the car insurance company you choose, and the type of car you drive also play a role. West Virginia auto insurance premiums are less expensive than the national average, $573 a year for state minimum coverage and $1683 for full coverage.
All states require you to buy such insurance coverage before you can register your car. According to the West Virginia Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
| Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
| Property Damage Liability | $25000 |
| Uninsured Motorist | $25000 bodily injury per person $50000 bodily injury per accident |
All cars registered in West Virginia are required by law to be insured. Property damage liability and liability insurance for death or injury are the bare minimums. USAA is the least expensive insurer for low coverage on average, while Allstate charges the highest average rate for low coverage in West Virginia.
| COMPANY | ANNUAL RATE |
|---|---|
| USAA | $819 |
| West Field | $875 |
| Erie Insurance | $1,026 |
| State Farm | $1,034 |
| Statewide Average | $1,211 |
| Nationwide | $1,219 |
| Progressive | $1,304 |
| MetLife | $1,305 |
| Allstate | $1,853 |
It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.
It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although West Virginia's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.
This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one.
To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.
If you finance or lease a car, keep in mind that your lienholder or leasing company may require physical damage coverage - often known as full coverage - as part of your agreement.
In West Virginia, liability insurance is required by law. In an "at fault" collision, it is a sort of insurance coverage that covers bodily injury and property damage caused by you to another motorist or their passengers.
It also includes compensation for lost wages and pain and suffering. Remember that your liability policy does not cover your injuries or property damage. You'd have to look into different coverage choices with your insurance for that.
It is not only a legal need to have adequate car insurance, but it also protects you and your valuables. Another sensible method to keep yourself more protected is to look into alternative coverage possibilities. If the cost of additional coverages worries you, you might want to look for a new policy.
Way.com can help you compare free car insurance quotes side by side to discover a coverage that meets your insurance needs while still being within your budget.
In West Virginia, personal injury protection (PIP) is not needed. In West Virginia, PIP is not even available. Instead of PIP insurance, West Virginia insurance companies offer medical payments insurance (also known as MedPay) to cover hospital expenditures incurred due to a car accident.
MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.
In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision.
West Virginia is an at-fault state, which means that following a collision, at least one driver is determined to be "at fault."
The average cost of insurance in West Virginia – $1420 – is typical compared to most PIP states and other non-PIP states, owing to variances in vehicle insurance rules.
Like most states, West Virginia has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
To be lawful in West Virginia, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.
All drivers in West Virginia are required by law to have auto insurance.
You must also carry evidence of insurance, which must be presented to law enforcement personnel upon request. Continue reading to learn more about West Virginia's vehicle insurance regulations and other coverage alternatives.
Driving without insurance is banned in West Virginia, and the following penalties apply:
The driver's license suspension or vehicle registration revocation may not be applied if the uninsured driver presents proof of insurance and pays a $200 penalty fee before the effective date. In addition, there would be no reinstatement fees.
In addition to the location, West Virginia car insurance rates are determined by several factors. Your premium is affected by your age, gender, marital status, car, and driving background. Other factors, including the number of miles driven and credit score, are also taken into account. Since each carrier gives different weight to each of these variables, comparing several carriers is even more critical to ensure you are getting affordable car insurance in West Virginia for your financial situation.
However, auto insurance premiums are influenced by factors other than geography. The cost of auto insurance is determined by various factors, including your marital status, driving history, credit score, gender, and age.
The average cost of car insurance in West Virginia is $1138 per year.
| Company | Annual rate |
|---|---|
| State Farm | $908 |
| Erie | $954 |
| Westfield | $1,050 |
| Nationwide | $1,087 |
| Progressive | $1,368 |
| Allstate | $1,461 |
| Company | 17-year-old-female | 17-year-old-male |
|---|---|---|
| Nationwide | $3,285 | $4,218 |
| Allstate | $7,861 | $7,271 |
| State Farm | $2,217 | $2,795 |
| Progressive | $8,654 | $9,490 |
| Company | Annual Premium |
|---|---|
| State Farm | $837 |
| Erie | $941 |
| Westfield | $974 |
| Nationwide | $1,000 |
| Progressive | $1,365 |
| Allstate | $1,539 |
We looked at West Virginia's average car insurance prices based on each of the primary rating categories. Read on to determine how much auto insurance costs in your state, or enter your zip code to get customized quotes from top insurers.
| Company | Annual Premium |
|---|---|
| Nationwide | $1,453 |
| Westfield | $1,465 |
| State Farm | $1,843 |
| Allstate | $2,219 |
| Erie | $2,230 |
| Progressive | $2,252 |
According to our research, drivers with clean driving histories and no moving offenses have cheaper premiums (such as speeding or driving while intoxicated). For West Virginia drivers with clean driving records, USAA and Erie Insurance offer the lowest prices. According to our research, Allstate customers who are good drivers pay the highest.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $856 |
| Erie Insurance | $1,083 |
| State Farm | $1,106 |
| Nationwide | $1,115 |
| Statewide Average | $1,247 |
| Progressive | $1,362 |
| Allstate | $1,911 |
Young adults in West Virginia pay 68% less for car insurance than underage drivers on average. While 25-year-old female drivers pay less on average than their male counterparts, there is one exception: Westfield Insurance is the only major auto insurance company in West Virginia that has higher rates for 25-year-old female drivers than males in this age range.
According to our research, Statefarm has the lowest rates for male and female 25-year-old drivers, while Allstate has the highest prices for both men and women.
| Company | Annual Premium |
|---|---|
| State Farm | $1,095 |
| Erie | $1,176 |
| Nationwide | $1,267 |
| Allstate | $1,586 |
| Progressive | $1,615 |
| Westfield | $1,652 |
All insurers do not treat different moving infractions (such as speeding, DUIs, and collisions). According to our research, drivers in West Virginia who have had one speeding ticket and are insured by MetLife pay the highest average premiums. On average, those covered by USAA and Erie Insurance pay the lowest rates following this type of violation.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $985 |
| Erie Insurance | $1,133 |
| State Farm | $1,195 |
| Nationwide | $1,290 |
| Statewide Average | $1,480 |
| Westfield | $1,551 |
| Progressive | $1,777 |
| Allstate | $2,126 |
| MetLife | $2,307 |
According to our research, all of West Virginia's leading auto insurers consider a crash more heinous than speeding. Those with one crash occurrence on their record who MetLife covers pay the highest for insurance, while those insured by USAA and State Farm pay the least.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $1,024 |
| State Farm | $1,284 |
| Erie Insurance | $1,293 |
| Nationwide | $1,542 |
| Statewide Average | $1,726 |
| Westfield | $2,213 |
| Progressive | $2,269 |
| Allstate | $2,496 |
| MetLife | $2,906 |
While most of West Virginia's leading insurance companies charge drivers with a DUI much higher rates than those with a clean record – some nearly tripling their rates – not all do. According to our statistics, drivers with one DUI who are insured by State Farm pay just around $1195 more on average than drivers with a clean record who the same firm covers.
On average, those insured by Westfield with a single DUI pay the highest, while those insured by State Farm and USAA pay the least.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| State Farm | $1,195 |
| USAA | $1,521 |
| Erie Insurance | $1,575 |
| Progressive | $1,852 |
| Nationwide | $1,864 |
| Statewide Average | $1,889 |
| Allstate | $2,567 |
| MetLife | $3,457 |
| Westfield | $3,567 |
Even though State Farm does not reduce rates for married drivers in West Virginia, we found the best rates for married drivers at State Farm, which offered our sample driver a year of full coverage for $1,056 - even though State Farm does not reduce rates for married drivers in West Virginia.
Married drivers receive slightly lower rates from car insurance companies than single or unmarried drivers. The highest reduction went to married drivers, who got 18% off, or $314 off, the average rate for a single individual. We discovered a 7% average discount across all insurers.
| Company | Annual rates |
|---|---|
| State Farm | $1056 |
| Westfield | $1548 |
| Erie | $1725 |
| Progressive | $1749 |
| Nationwide | $2021 |
| Allstate | $2165 |
State Farm offers the most affordable insurance for a young driver who has just been in an at-fault collision, at $1308 per year. That's less than half of the average car insurance price in West Virginia.
An incident on your driving record will result in increased car insurance premiums at any age. In West Virginia, the average cost of insurance coverage for young drivers with an accident on their record is 17% more.
| Company | Annual rates |
|---|---|
| State Farm | $1308 |
| Erie | $1611 |
| Westfield | $1935 |
| Allstate | $2352 |
Berkeley Springs has the cheapest car insurance in West Virginia, while Kermit has the most costly. The average annual rate for auto insurance in Berkeley Springs is 1431, about 20% lower than the state average.
The average annual cost in Kermit is $2229, and this is 25% greater than the national average. In West Virginia, full-coverage car insurance costs an average of $1782 per year or $150 per month.
| City | Annual Rate |
|---|---|
| Accoville | $2,081 |
| Adrian | $1,757 |
| Advent | $1,769 |
| Albright | $1,673 |
| Alderson | $1,649 |
| Alkol | $1,925 |
| Allen Junction | $1,973 |
| Alloy | $1,733 |
| Alma | $1,745 |
| Alum Bridge | $1,733 |
| Alum Creek | $1,829 |
| Amherstdale | $2,093 |
| Amigo | $1,997 |
| Amma | $1,817 |
| Anawalt | $1,985 |
| Anmoore | $1,649 |
| Annamoriah | $1,817 |
| Ansted | $1,697 |
| Apple Grove | $1,757 |
| Arbovale | $1,721 |
| Arnett | $1,841 |
| Arnoldsburg | $1,853 |
| Arthurdale | $1,757 |
| Artie | $1,781 |
| Asbury | $1,637 |
| Ashford | $1,913 |
| Ashton | $1,769 |
| Athens | $1,721 |
| Auburn | $1,829 |
| Augusta | $1,529 |
| Aurora | $1,757 |
| Avondale | $1,985 |
| Baisden | $2,153 |
| Baker | $1,625 |
| Bakerton | $1,565 |
| Ballard | $1,661 |
| Ballengee | $1,685 |
| Bancroft | $1,721 |
| Bandytown | $1,961 |
| Barboursville | $1,781 |
| Barrackville | $1,661 |
| Bartley | $1,997 |
| Bartow | $1,721 |
| Baxter | $1,649 |
| Bayard | $1,673 |
| Beaver | $1,769 |
| Beckley | $1,745 |
| Beech Bottom | $1,637 |
| Beeson | $1,793 |
| Belington | $1,721 |
| Belle | $1,733 |
| Belleville | $1,625 |
| Belmont | $1,769 |
| Belva | $1,709 |
| Benwood | $1,637 |
| Berea | $1,841 |
| Bergoo | $1,745 |
| Berkeley Springs | $1,433 |
| Berwind | $2,009 |
| Bethany | $1,637 |
| Bethlehem | $1,625 |
| Bickmore | $1,817 |
| Big Bend | $1,817 |
| Big Chimney | $1,721 |
| Big Creek | $2,093 |
| Big Otter | $1,829 |
| Big Run | $1,769 |
| Big Sandy | $2,009 |
| Big Springs | $1,829 |
| Bim | $1,961 |
| Birch River | $1,709 |
| Blacksville | $1,697 |
| Blair | $2,069 |
| Blennerhassett | $1,673 |
| Bloomingrose | $1,913 |
| Blount | $1,733 |
| Blue Creek | $1,733 |
| Bluefield | $1,733 |
| Bluewell | $1,757 |
| Boaz | $1,685 |
| Bob White | $1,925 |
| Bolt | $1,805 |
| Bomont | $1,805 |
| Boomer | $1,721 |
| Borderland | $2,153 |
| Bowden | $1,721 |
| Bradley | $1,757 |
| Bradshaw | $1,997 |
| Bramwell | $1,769 |
| Branchland | $1,745 |
| Brandywine | $1,697 |
| Breeden | $2,189 |
| Brenton | $2,033 |
| Bretz | $1,769 |
| Bridgeport | $1,649 |
| Brohard | $1,817 |
| Brookhaven | $1,649 |
| Brownsville | $1,721 |
| Bruceton Mills | $1,685 |
| Bruno | $2,081 |
| Buckeye | $1,697 |
| Buckhannon | $1,733 |
| Bud | $1,973 |
| Buffalo | $1,745 |
| Bunker Hill | $1,541 |
| Burlington | $1,589 |
| Burnsville | $1,805 |
| Burnt House | $1,817 |
| Burnwell | $1,721 |
| Burton | $1,769 |
| Cabin Creek | $1,733 |
| Cabins | $1,649 |
| Cairo | $1,841 |
| Caldwell | $1,625 |
| Calvin | $1,721 |
| Camden | $1,733 |
| Camden-on-Gauley | $1,733 |
| Cameron | $1,661 |
| Camp Creek | $1,745 |
| Canebrake | $2,009 |
| Cannelton | $1,721 |
| Canvas | $1,721 |
| Capon Bridge | $1,601 |
| Capon Springs | $1,601 |
| Carolina | $1,673 |
| Carpendale | $1,577 |
| Cass | $1,709 |
| Cassville | $1,625 |
| Cedar Grove | $1,733 |
| Cedarville | $1,817 |
| Center Point | $1,745 |
| Ceredo | $1,793 |
| Chapmanville | $1,901 |
| Charles Town | $1,493 |
| Charleston | $1,709 |
| Charlton Heights | $1,733 |
| Charmco | $1,661 |
| Chattaroy | $2,165 |
| Chauncey | $2,093 |
| Cheat Lake | $1,649 |
| Chesapeake | $1,745 |
| Chester | $1,625 |
| Chloe | $1,853 |
| Circleville | $1,721 |
| Clarksburg | $1,517 |
| Clay | $1,721 |
| Clear Creek | $1,793 |
| Clear Fork | $2,045 |
| Clendenin | $1,733 |
| Cleveland | $1,781 |
| Clothier | $2,057 |
| Coal City | $1,781 |
| Coal Mountain | $2,069 |
| Coaldale | $1,757 |
| Coalton | $1,745 |
| Coburn | $1,769 |
| Colcord | $1,829 |
| Colfax | $1,673 |
| Colliers | $1,625 |
| Comfort | $1,865 |
| Cool Ridge | $1,697 |
| Copen | $1,805 |
| Cora | $2,057 |
| Corinne | $1,973 |
| Costa | $1,865 |
| Cottageville | $1,733 |
| Cove Gap | $2,045 |
| Covel | $1,973 |
| Cowen | $1,649 |
| Coxs Mills | $1,817 |
| Crab Orchard | $1,769 |
| Craigsville | $1,709 |
| Crawford | $1,769 |
| Crawley | $1,637 |
| Creston | $1,817 |
| Crichton | $1,661 |
| Cross Lanes | $1,733 |
| Crum | $2,105 |
| Cucumber | $1,973 |
| Culloden | $1,769 |
| Cyclone | $2,069 |
| Dailey | $1,769 |
| Dallas | $1,661 |
| Danese | $1,697 |
| Daniels | $1,745 |
| Danville | $1,973 |
| Davin | $2,081 |
| Davis | $1,745 |
| Davisville | $1,673 |
| Davy | $2,009 |
| Dawes | $1,757 |
| Deep Water | $1,733 |
| Dehue | $2,069 |
| Delbarton | $2,069 |
| Dellslow | $1,661 |
| Delray | $1,589 |
| Despard | $1,661 |
| Diana | $1,733 |
| Dille | $1,805 |
| Dingess | $2,189 |
| Dixie | $1,697 |
| Dorothy | $1,841 |
| Dothan | $1,697 |
| Drennen | $1,745 |
| Dry Creek | $1,901 |
| Dry Fork | $1,757 |
| Drybranch | $1,721 |
| Duck | $1,745 |
| Dunbar | $1,733 |
| Duncan | $1,745 |
| Dunlow | $2,093 |
| Dunmore | $1,709 |
| Durbin | $1,709 |
| Earling | $2,069 |
| East Bank | $1,721 |
| East Lynn | $1,997 |
| Eccles | $1,781 |
| Eckman | $1,961 |
| Edgarton | $2,153 |
| Edmond | $1,697 |
| Eglon | $1,769 |
| Elbert | $1,961 |
| Eleanor | $1,709 |
| Elizabeth | $1,757 |
| Elk Garden | $1,601 |
| Elkhorn | $1,973 |
| Elkins | $1,745 |
| Elkview | $1,757 |
| Ellamore | $1,745 |
| Ellenboro | $1,817 |
| Emmett | $2,153 |
| Enterprise | $1,649 |
| Erbacon | $1,733 |
| Eskdale | $1,769 |
| Ethel | $2,069 |
| Eureka | $1,769 |
| Evans | $1,733 |
| Exchange | $1,793 |
| Fairdale | $1,829 |
| Fairlea | $1,625 |
| Fairmont | $1,613 |
| Fairview | $1,613 |
| Falling Rock | $1,769 |
| Falling Waters | $1,529 |
| Falls Mill | $1,817 |
| Fanrock | $2,033 |
| Farmington | $1,673 |
| Fayetteville | $1,697 |
| Fenwick | $1,721 |
| Filbert | $1,961 |
| Fisher | $1,625 |
| Flat Top | $1,769 |
| Flatwoods | $1,781 |
| Flemington | $1,709 |
| Floe | $1,853 |
| Follansbee | $1,613 |
| Folsom | $1,769 |
| Forest Hill | $1,697 |
| Fort Ashby | $1,577 |
| Fort Gay | $1,937 |
| Foster | $1,949 |
| Four States | $1,673 |
| Frametown | $1,793 |
| Frankford | $1,625 |
| Franklin | $1,709 |
| Fraziers Bottom | $1,757 |
| Freeman | $1,757 |
| French Creek | $1,745 |
| Frenchton | $1,781 |
| Friendly | $1,745 |
| Gallagher | $1,721 |
| Gallipolis Ferry | $1,781 |
| Galloway | $1,733 |
| Gandeeville | $1,817 |
| Gap Mills | $1,673 |
| Gary | $1,961 |
| Gassaway | $1,769 |
| Gauley Bridge | $1,721 |
| Gauley Mills | $1,733 |
| Gay | $1,745 |
| Genoa | $2,009 |
| Gerrardstown | $1,541 |
| Ghent | $1,781 |
| Gilbert | $2,093 |
| Gilboa | $1,697 |
| Given | $1,745 |
| Glady | $1,733 |
| Glasgow | $1,709 |
| Glen | $1,829 |
| Glen Dale | $1,649 |
| Glen Daniel | $1,841 |
| Glen Easton | $1,661 |
| Glen Ferris | $1,721 |
| Glen Fork | $2,033 |
| Glen Jean | $1,745 |
| Glen Rogers | $2,021 |
| Glen White | $1,781 |
| Glengary | $1,589 |
| Glenville | $1,817 |
| Glenwood | $1,757 |
| Gordon | $1,961 |
| Gormania | $1,637 |
| Grafton | $1,661 |
| Grant Town | $1,685 |
| Grantsville | $1,733 |
| Granville | $1,637 |
| Grassy Meadows | $1,661 |
| Great Cacapon | $1,565 |
| Green Bank | $1,709 |
| Green Spring | $1,625 |
| Green Sulphur Springs | $1,721 |
| Greenville | $1,661 |
| Griffithsville | $1,997 |
| Gypsy | $1,661 |
| Hacker Valley | $1,757 |
| Halltown | $1,565 |
| Hambleton | $1,757 |
| Hamlin | $2,009 |
| Handley | $1,709 |
| Hanover | $1,985 |
| Hansford | $1,733 |
| Harman | $1,757 |
| Harper | $1,781 |
| Harrisville | $1,829 |
| Hartford | $1,745 |
| Hartford City | $1,745 |
| Harts | $1,985 |
| Haywood | $1,661 |
| Heaters | $1,793 |
| Hedgesville | $1,481 |
| Helen | $1,793 |
| Helvetia | $1,769 |
| Henderson | $1,769 |
| Hendricks | $1,757 |
| Henlawson | $2,057 |
| Hensley | $2,021 |
| Hepzibah | $1,661 |
| Herndon | $1,985 |
| Hernshaw | $1,745 |
| Hewett | $1,961 |
| Hiawatha | $1,805 |
| Hico | $1,721 |
| High View | $1,601 |
| Hillsboro | $1,697 |
| Hilltop | $1,709 |
| Hinton | $1,613 |
| Holden | $2,069 |
| Hometown | $1,709 |
| Hooverson Heights | $1,613 |
| Horner | $1,721 |
| Hugheston | $1,721 |
| Hundred | $1,793 |
| Huntington | $1,685 |
| Hurricane | $1,721 |
| Iaeger | $2,021 |
| Idamay | $1,673 |
| Ikes Fork | $2,057 |
| Independence | $1,745 |
| Indian Mills | $1,697 |
| Indore | $1,817 |
| Institute | $1,733 |
| Inwood | $1,553 |
| Ireland | $1,733 |
| Isaban | $2,069 |
| Itmann | $1,985 |
| Ivydale | $1,829 |
| Jacksonburg | $1,745 |
| Jane Lew | $1,733 |
| Jeffrey | $1,961 |
| Jenkinjones | $1,961 |
| Jesse | $2,021 |
| Job | $1,745 |
| Jolo | $2,021 |
| Josephine | $1,805 |
| Julian | $1,949 |
| Jumping Branch | $1,697 |
| Junior | $1,721 |
| Justice | $2,177 |
| Kanawha Falls | $1,721 |
| Kanawha Head | $1,769 |
| Kearneysville | $1,529 |
| Kegley | $1,733 |
| Kellysville | $1,745 |
| Kenna | $1,781 |
| Kenova | $1,769 |
| Kerens | $1,745 |
| Kermit | $2,225 |
| Keslers Cross Lanes | $1,709 |
| Keyser | $1,577 |
| Kiahsville | $2,045 |
| Kimball | $1,961 |
| Kimberly | $1,733 |
| Kincaid | $1,721 |
| Kingmont | $1,673 |
| Kingwood | $1,757 |
| Kirby | $1,601 |
| Kistler | $2,081 |
| Kopperston | $2,033 |
| Kyle | $2,021 |
| Lahmansville | $1,649 |
| Lake | $2,057 |
| Lanark | $1,781 |
| Lansing | $1,697 |
| Lashmeet | $1,745 |
| Lavalette | $1,937 |
| Layland | $1,721 |
| Le Roy | $1,745 |
| Left Hand | $1,829 |
| Lehew | $1,613 |
| Leivasy | $1,709 |
| Lenore | $2,165 |
| Leon | $1,661 |
| Lerona | $1,721 |
| Lesage | $1,745 |
| Leslie | $1,661 |
| Lester | $1,805 |
| Letart | $1,673 |
| Levels | $1,601 |
| Lewisburg | $1,625 |
| Liberty | $1,709 |
| Lindside | $1,673 |
| Linn | $1,805 |
| Little Birch | $1,781 |
| Littleton | $1,757 |
| Liverpool | $1,745 |
| Livingston | $1,721 |
| Lizemores | $1,817 |
| Lochgelly | $1,709 |
| Logan | $2,069 |
| London | $1,721 |
| Lookout | $1,733 |
| Looneyville | $1,829 |
| Lorado | $2,069 |
| Lorentz | $1,733 |
| Lost City | $1,613 |
| Lost Creek | $1,685 |
| Lost River | $1,613 |
| Lubeck | $1,685 |
| Lumberport | $1,601 |
| Lundale | $2,069 |
| Lyburn | $2,069 |
| Lynco | $2,045 |
| Maben | $2,009 |
| Mabie | $1,733 |
| Mabscott | $1,769 |
| MacArthur | $1,685 |
| Macfarlan | $1,829 |
| Madison | $1,973 |
| Mahan | $1,721 |
| Maidsville | $1,637 |
| Mallory | $2,081 |
| Mammoth | $1,733 |
| Man | $2,093 |
| Mannington | $1,721 |
| Marfrance | $1,661 |
| Marianna | $2,033 |
| Marlinton | $1,709 |
| Marmet | $1,745 |
| Martinsburg | $1,493 |
| Mason | $1,757 |
| Masontown | $1,781 |
| Matewan | $2,165 |
| Matheny | $2,021 |
| Mathias | $1,601 |
| Matoaka | $1,793 |
| Maxwelton | $1,625 |
| Maybeury | $1,985 |
| Maysel | $1,841 |
| Maysville | $1,577 |
| Mc Graws | $2,009 |
| McMechen | $1,649 |
| Meadow Bluff | $1,661 |
| Meadow Bridge | $1,685 |
| Meadow Creek | $1,697 |
| Meadowbrook | $1,649 |
| Metz | $1,733 |
| Miami | $1,757 |
| Middlebourne | $1,733 |
| Midkiff | $2,021 |
| Midway | $1,769 |
| Milam | $1,637 |
| Mill Creek | $1,685 |
| Millstone | $1,745 |
| Millville | $1,577 |
| Millwood | $1,733 |
| Milton | $1,757 |
| Minden | $1,697 |
| Mineral Wells | $1,601 |
| Moatsville | $1,745 |
| Mohawk | $2,081 |
| Monongah | $1,649 |
| Montana Mines | $1,673 |
| Montcalm | $1,733 |
| Monterville | $1,769 |
| Montgomery | $1,721 |
| Montrose | $1,673 |
| Moorefield | $1,601 |
| Morgantown | $1,601 |
| Moundsville | $1,649 |
| Mount Alto | $1,757 |
| Mount Carbon | $1,721 |
| Mount Clare | $1,661 |
| Mount Gay | $2,057 |
| Mount Gay-Shamrock | $2,069 |
| Mount Hope | $1,745 |
| Mount Lookout | $1,697 |
| Mount Nebo | $1,685 |
| Mount Storm | $1,649 |
| Mount Zion | $1,817 |
| Mullens | $1,997 |
| Munday | $1,829 |
| Myra | $1,997 |
| Nallen | $1,733 |
| Naoma | $1,913 |
| Napier | $1,817 |
| Naugatuck | $2,153 |
| Nebo | $1,817 |
| Nellis | $1,913 |
| Nemours | $1,721 |
| Nettie | $1,697 |
| New Creek | $1,601 |
| New Cumberland | $1,625 |
| New Haven | $1,745 |
| New Manchester | $1,637 |
| New Martinsville | $1,745 |
| New Milton | $1,745 |
| New Richmond | $2,009 |
| Newburg | $1,769 |
| Newell | $1,625 |
| Newhall | $1,997 |
| Newton | $1,877 |
| Newtown | $2,141 |
| Nicut | $1,805 |
| Nimitz | $1,673 |
| Nitro | $1,685 |
| Nobe | $1,829 |
| Normantown | $1,829 |
| North Hills | $1,673 |
| North Matewan | $2,153 |
| North Spring | $2,093 |
| Northfork | $1,973 |
| Norton | $1,745 |
| Nutter Fort | $1,649 |
| Oak Hill | $1,697 |
| Oakvale | $1,745 |
| Oceana | $2,033 |
| Odd | $1,793 |
| Old Fields | $1,601 |
| Omar | $2,081 |
| Ona | $1,661 |
| Onego | $1,697 |
| Orgas | $1,913 |
| Orlando | $1,721 |
| Orma | $1,853 |
| Osage | $1,637 |
| Ottawa | $1,961 |
| Paden City | $1,733 |
| Page | $1,721 |
| Pageton | $1,961 |
| Palestine | $1,829 |
| Panther | $1,997 |
| Parkersburg | $1,589 |
| Parsons | $1,769 |
| Paw Paw | $1,565 |
| Pax | $1,745 |
| Paynesville | $2,009 |
| Pea Ridge | $1,745 |
| Peach Creek | $2,057 |
| Pecks Mill | $2,069 |
| Pence Springs | $1,661 |
| Pennsboro | $1,721 |
| Pentress | $1,637 |
| Perkins | $1,805 |
| Petersburg | $1,637 |
| Peterstown | $1,673 |
| Petroleum | $1,829 |
| Peytona | $1,889 |
| Philippi | $1,661 |
| Pickens | $1,757 |
| Piedmont | $1,589 |
| Pinch | $1,745 |
| Pine Grove | $1,745 |
| Pineville | $2,021 |
| Piney View | $1,793 |
| Pipestem | $1,673 |
| Pleasant Valley | $1,649 |
| Poca | $1,733 |
| Point Pleasant | $1,757 |
| Points | $1,601 |
| Pond Gap | $1,733 |
| Pool | $1,697 |
| Porters Falls | $1,733 |
| Powellton | $1,721 |
| Pratt | $1,721 |
| Premier | $1,961 |
| Prichard | $1,949 |
| Prince | $1,733 |
| Princeton | $1,745 |
| Princewick | $1,781 |
| Procious | $1,805 |
| Proctor | $1,661 |
| Prosperity | $1,769 |
| Pullman | $1,853 |
| Purgitsville | $1,589 |
| Pursglove | $1,673 |
| Quinwood | $1,661 |
| Rachel | $1,673 |
| Racine | $1,865 |
| Ragland | $2,153 |
| Rainelle | $1,685 |
| Raleigh | $1,781 |
| Ranger | $2,033 |
| Ranson | $1,481 |
| Ravencliff | $2,045 |
| Ravenswood | $1,745 |
| Rawl | $2,165 |
| Raysal | $2,009 |
| Reader | $1,745 |
| Red Creek | $1,757 |
| Red House | $1,733 |
| Red Jacket | $2,153 |
| Reedsville | $1,757 |
| Reedy | $1,829 |
| Renick | $1,541 |
| Reynoldsville | $1,661 |
| Rhodell | $1,793 |
| Richwood | $1,697 |
| Ridgeley | $1,577 |
| Ridgeview | $1,889 |
| Ridgeway | $1,553 |
| Rio | $1,601 |
| Ripley | $1,721 |
| Rippon | $1,577 |
| Riverton | $1,721 |
| Rivesville | $1,649 |
| Robinette | $2,081 |
| Robson | $1,721 |
| Rock | $1,733 |
| Rock Castle | $1,745 |
| Rock Cave | $1,781 |
| Rock Creek | $1,829 |
| Rock View | $2,009 |
| Rockport | $1,709 |
| Roderfield | $2,021 |
| Romney | $1,589 |
| Ronceverte | $1,625 |
| Rosedale | $1,805 |
| Rosemont | $1,733 |
| Rossmore | $2,069 |
| Rowlesburg | $1,757 |
| Rupert | $1,673 |
| Russelville | $1,733 |
| Sabine | $2,009 |
| Salem | $1,685 |
| Salt Rock | $1,805 |
| Sand Fork | $1,793 |
| Sand Ridge | $1,853 |
| Sandstone | $1,685 |
| Sandyville | $1,733 |
| Sarah Ann | $2,081 |
| Saulsville | $2,009 |
| Saxon | $1,841 |
| Scarbro | $1,721 |
| Scott Depot | $1,625 |
| Second Creek | $1,661 |
| Selbyville | $1,745 |
| Seneca Rocks | $1,697 |
| Seth | $1,877 |
| Shady Spring | $1,781 |
| Shanks | $1,601 |
| Shannondale | $1,565 |
| Sharples | $2,069 |
| Shenandoah Junction | $1,553 |
| Shepherdstown | $1,553 |
| Shinnston | $1,637 |
| Shirley | $1,733 |
| Shoals | $1,937 |
| Shock | $1,817 |
| Short Creek | $1,637 |
| Simon | $2,033 |
| Simpson | $1,733 |
| Sinks Grove | $1,649 |
| Sissonville | $1,745 |
| Sistersville | $1,733 |
| Skelton | $1,793 |
| Slab Fork | $1,793 |
| Slanesville | $1,625 |
| Slatyfork | $1,709 |
| Smithburg | $1,721 |
| Smithers | $1,733 |
| Smithfield | $1,781 |
| Smithville | $1,817 |
| Smoot | $1,661 |
| Snowshoe | $1,697 |
| Sod | $1,973 |
| Sophia | $1,793 |
| South Charleston | $1,733 |
| Southside | $1,781 |
| Spanishburg | $1,745 |
| Spelter | $1,673 |
| Spencer | $1,745 |
| Spring Dale | $1,745 |
| Spurlockville | $1,985 |
| Squire | $1,997 |
| St. Albans | $1,745 |
| St. Marys | $1,769 |
| Stanaford | $1,793 |
| Standard | $1,721 |
| Star City | $1,637 |
| Stephenson | $1,985 |
| Stollings | $2,081 |
| Stonewood | $1,649 |
| Stouts Mills | $1,793 |
| Sugar Grove | $1,697 |
| Sumerco | $1,985 |
| Summersville | $1,709 |
| Summit Point | $1,565 |
| Surveyor | $1,769 |
| Sutton | $1,769 |
| Swiss | $1,721 |
| Switchback | $1,985 |
| Switzer | $2,069 |
| Sylvester | $1,913 |
| Tad | $1,769 |
| Talcott | $1,685 |
| Tallmansville | $1,733 |
| Tanner | $1,829 |
| Taplin | $2,069 |
| Teays Valley | $1,721 |
| Terra Alta | $1,673 |
| Tesla | $1,781 |
| Thacker | $2,153 |
| Thomas | $1,745 |
| Thornton | $1,709 |
| Thorpe | $1,961 |
| Thurmond | $1,721 |
| Tioga | $1,709 |
| Tornado | $1,745 |
| Triadelphia | $1,613 |
| Trout | $1,637 |
| Troy | $1,817 |
| Tunnelton | $1,769 |
| Turtle Creek | $1,937 |
| Twilight | $1,961 |
| Uneeda | $1,937 |
| Union | $1,577 |
| Upper Falls | $1,769 |
| Upper Tract | $1,697 |
| Upperglade | $1,733 |
| Valley Bend | $1,769 |
| Valley Fork | $1,841 |
| Valley Grove | $1,625 |
| Valley Head | $1,745 |
| Vallscreek | $2,009 |
| Van | $1,937 |
| Varney | $2,153 |
| Verdunville | $2,069 |
| Verner | $2,153 |
| Victor | $1,697 |
| Vienna | $1,613 |
| Vivian | $1,961 |
| Volga | $1,709 |
| Vulcan | $2,153 |
| Waiteville | $1,661 |
| Walkersville | $1,757 |
| Wallace | $1,673 |
| Wallback | $1,841 |
| Walton | $1,841 |
| Wana | $1,697 |
| War | $1,973 |
| Wardensville | $1,613 |
| Warriormine | $1,985 |
| Washington | $1,685 |
| Waverly | $1,673 |
| Wayne | $1,865 |
| Wayside | $1,673 |
| Webster Springs | $1,649 |
| Weirton | $1,589 |
| Welch | $1,973 |
| Wellsburg | $1,637 |
| West Columbia | $1,757 |
| West Hamlin | $1,913 |
| West Liberty | $1,637 |
| West Milford | $1,673 |
| West Union | $1,733 |
| Weston | $1,733 |
| Westover | $1,625 |
| Wharncliffe | $2,165 |
| Wharton | $1,973 |
| Wheeling | $1,481 |
| White Oak | $1,781 |
| White Sulphur Springs | $1,625 |
| Whitesville | $1,913 |
| Whitman | $2,069 |
| Whitmer | $1,745 |
| Whittaker | $1,721 |
| Widen | $1,829 |
| Wilcoe | $1,961 |
| Wildcat | $1,733 |
| Wiley Ford | $1,577 |
| Wilkinson | $2,057 |
| Williamsburg | $1,637 |
| Williamson | $2,165 |
| Williamstown | $1,685 |
| Willow Island | $1,769 |
| Wilsondale | $2,069 |
| Winding Gulf | $1,781 |
| Windsor Heights | $1,613 |
| Winfield | $1,721 |
| Winifrede | $1,745 |
| Winona | $1,697 |
| Wolf Creek | $1,673 |
| Wolfe | $1,721 |
| Woodville | $1,949 |
| Worthington | $1,673 |
| Wyatt | $1,649 |
| Wyco | $1,973 |
| Wyoming | $2,009 |
| Yawkey | $1,985 |
| Yellow Spring | $1,613 |
| Yolyn | $2,069 |
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $1,641 |
| USAA | $2,337 |
| State Farm | $2,907 |
| Erie | $3,603 |
| Progressive | $3,617 |
| Allstate | $3,844 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| One Med/PIP claim | $1,719 | 1% | $10 |
| None | $1,719 | 1% | $10 |
| One comp claim | $1,772 | 4% | $63 |
| Two Med/PIP claims | $1,790 | 5% | $81 |
| Not-at-fault accident | $1,813 | 7% | $104 |
| Two comp claims | $1,844 | 8% | $135 |
| Failure to wear a seat belt | $1,945 | 14% | $236 |
| Failure to show documents | $1,977 | 16% | $268 |
| Driving without lights | $1,991 | 17% | $282 |
| Speeding 6 - 10 MPH over limit | $2,042 | 20% | $333 |
| Texting while driving | $2,052 | 20% | $343 |
| Cell phone violation | $2,052 | 20% | $343 |
| Speeding 11 - 15 MPH over limit | $2,069 | 22% | $360 |
| Speeding in school zone | $2,069 | 22% | $360 |
| Driving too slowly | $2,069 | 22% | $360 |
| Improper passing | $2,070 | 22% | $361 |
| Wrong way/wrong lane | $2,070 | 22% | $361 |
| Following too closely | $2,070 | 22% | $361 |
| Failure to stop at a red light | $2,070 | 22% | $361 |
| Illegal turn | $2,070 | 22% | $361 |
| Failure to yield | $2,086 | 22% | $377 |
| Speeding 16 - 20 MPH over limit | $2,089 | 23% | $380 |
| Driving with expired registration | $2,095 | 23% | $386 |
| Passing school bus | $2,122 | 25% | $413 |
| At-fault accident - less than $1000 | $2,155 | 27% | $446 |
| Speeding 21 - 25 MPH over limit | $2,178 | 28% | $469 |
| Child safety restraint | $2,202 | 29% | $493 |
| In 65 MPH zone | $2,273 | 33% | $564 |
| Operating a vehicle without permission | $2,337 | 37% | $628 |
| At-fault accident - greater than $2000 | $2,507 | 47% | $798 |
| At-fault accident - $1000-$2000 | $2,507 | 47% | $798 |
| Open container | $2,658 | 56% | $949 |
| Driving with a suspended license | $3,106 | 82% | $1,397 |
| Reckless driving | $3,129 | 83% | $1,420 |
| Refusal to submit to a chemical test | $3,258 | 91% | $1,549 |
| DUI | $3,258 | 91% | $1,549 |
| Racing | $3,286 | 93% | $1,577 |
| Leaving scene of an accident/hit and run | $3,297 | 93% | $1,588 |
| Year | Avg. Annual Premium - West Virginia | Yearly Change - West Virginia | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,508 | $79 | $1,539 | $56 |
| 2020 | $1,439 | -$83 | $1,493 | -$51 |
| 2019 | $1,532 | $6 | $1,554 | $33 |
| 2018 | $1,538 | -$258 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
Getting cheap auto insurance quotes in West Virginia is more accessible than in most other states. Always remember getting affordable car insurance quotes in West Virginia does not mean that it is the final rate. The auto insurance quotes in West Virginia are just an estimation of what the rate would look like. The car insurance premium would be slightly different. Usually, the final premium decided by the company will be higher.
The expert analysts at Way.com performed an annual survey of the best car insurance companies in West Virginia to see which ones have the best coverage, rates, and service.
Getting cheap auto insurance quotes in West Virginia is more accessible than in most other states. Always remember getting affordable car insurance quotes in West Virginia does not mean that it is the final rate. The auto insurance quotes in West Virginia are just an estimation of what the rate would look like. The car insurance premium would be slightly different. Usually, the final premium decided by the company will be higher.
The right business is the first step in finding cheap car insurance in West Virginia. However, there are more ways to save:
Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.
The auto 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.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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
In West Virginia, car insurance is relatively inexpensive. West Virginia's average annual auto insurance cost is $1386 — 3.4 percent cheaper than the national average.
State Farm, Erie, and USAA provide the cheapest minimum-coverage automobile insurance quotes in West Virginia. In West Virginia, the average cost of minimum-coverage automobile insurance is $639 per year or $54 per month. A minimum-coverage policy might cost anywhere from $411 to $927, depending on the insurer.
In West Virginia, car insurance is relatively inexpensive.
All drivers in West Virginia are required by law to have auto insurance. You must also carry evidence of insurance, which must be presented to law enforcement personnel upon request.
Full coverage insurance in West Virginia is typically characterized as a policy that covers more than the state's minimum liability coverage, which is $25,000 per person for bodily injury, $50,000 per accident for property damage, and $25,000 for property damage.
For minimal liability coverage, the average cost of automobile insurance for new drivers in West Virginia is $2178 a year, or $183 per month. Insurance companies charge new drivers more fantastic prices based on their risk profile. In West Virginia, the average yearly cost of a full coverage automobile insurance policy for new drivers is $6849, which is 225 percent higher than rates for experienced drivers.
A liability policy must cover all registered motor vehicles in West Virginia. Full coverage insurance in West Virginia is typically characterized as a policy that covers more than the state's minimum liability coverage, which is $25,000 per person for bodily injury, $50,000 per accident for property damage, and $25,000 for property damage.
The following are the minimum coverage requirements and limits for West Virginia vehicle insurance:
Liability for bodily harm is $25,000 per person and $50,000 per accident.
Liability for property damage is $25,000 per accident.
Bodily injury caused by an uninsured motorist: $25,000 per person and $50,000 per accident.
In Virginia, it is illegal to operate an automobile without at least the bare minimum of liability insurance:
Injury to the body: $25,000 per individual, $50,000 per accident.
Damage to property: $20,000 per accident.
Bodily injury caused by an uninsured motorist: $25,000 per person and $50,000 per accident.
West Virginia is not a no-fault state. West Virginia is a tort (or "at-fault") state. This means that if a driver causes an accident, their insurance will cover the other motorist's medical claims costs. The at-fault driver's insurance then pays to reimburse the damages caused by the other driver.
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