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Why Compare Car Insurance Rates in West Virginia:

  • On average, people who compare rates save about $970 a year on car insurance
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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.

Minimum Required Auto Insurance Coverage in West Virginia

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

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Cheapest Car Insurance in West Virginia for Minimum Required Coverage

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 AVERAGE ANNUAL RATE
USAA $819
West Field $875
Erie Insurance $1,026
State Farm $1,034
Statewide Average $1,211
Nationwide $1,219
The General $1,231
Progressive $1,304
MetLife $1,305
Allstate $1,853

Do I Need More Than the Minimum Required State Coverage in West Virginia?

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.

West Virginia Car Insurance Laws

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.

PIP laws in West Virginia

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.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in West Virginia

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:

  • Your license will be suspended for 30 days (90 days for a second offense)
  • Reinstatement fees are $50 for the license and $100 for the registration.
  • SR-22 maintenance penalty of at least $200
  • Time in prison is a possibility.

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.

Average Cost of Auto Insurance Companies in West Virginia

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 $1,362 per year.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,362
Allstate $1,911
State Farm $1,096
The General $1,295
USAA $856
Nationwide $1,115
Erie Insurance $1,083
Statewide Average $1,247
Westfield $1,541
MetLife $1,675

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.

Cheapest Car Insurance Quotes For West Virginia Drivers

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
The General $1,295
Progressive $1,362
Allstate $1,911

Cheap car insurance in West Virginia for young drivers

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: Erie 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, USAA has the lowest rates for male and female 25-year-old drivers, while Allstate has the highest prices for both men and women.

COMPANY 25-YEAR-OLD FEMALE 25-YEAR-OLD MALE
Allstate $2,129 $2,133
Erie Insurance $1,327 $1,293
The General $1,390 $1,415
Nationwide $1,238 $1,348
Progressive $1,618 $1,663
State Farm $1,169 $1,327
USAA $988 $1,055
Statewide Average $1,408 $1,462

Cheap car insurance for West Virginia drivers with a speeding ticket

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
The General $1,857
Allstate $2,126
MetLife $2,307

Cheap auto insurance for West Virginia drivers after a car accident

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
The General $2,174
Westfield $2,213
Progressive $2,269
Allstate $2,496
MetLife $2,906

Cheap car insurance quotes for West Virginia drivers with a DUI

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 $90 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
The General $2,650
MetLife $3,457
Westfield $3,567

Cheap car insurance for married West Virginia drivers

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.

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
THE GENERAL $1731
Progressive $1749
Nationwide $2021
Allstate $2165

Cheap full coverage car insurance quotes for young drivers with an accident history

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
THE GENERAL $3192

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Compare car insurance rates in top Cities

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.

CityAnnual 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

Cheap auto insurance in West Virginia with bad credit

Company Avg. Annual Premium
Nationwide $1,641
THE GENERAL $2,123
USAA $2,337
State Farm $2,907
Erie $3,603
Progressive $3,617
Allstate $3,844

West Virginia auto insurance rate by violation

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

Car insurance price trends in West Virginia

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

How to find the best car insurance in West Virginia

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:

  • Extra coverages such as roadside assistance, guaranteed replacement value, and mechanical breakdown insurance are available from each insurance company.
  • Compare how your rates are affected when you buy extras like full glass coverage, which applies to any damaged glass on your car, to identify the company that offers the most outstanding value for your money. Obtaining an online quote is entirely free and takes a few minutes. You can obtain the best rate for your driving profile and coverage needs by getting multiple quotes from different auto insurance companies.
  • As a method to recruit and retain new clients, all auto insurance companies provide discounts. Don't let money slip through your fingers. Use as many savings as the insurer offers, including early or automated payments, bundling, multiple car coverage, and excellent student discounts.
  • Insurance firms in West Virginia are not prohibited from examining your credit. Paying down debt and making timely credit card and loan payments will help you avoid paying more for car insurance owing to bad credit. Your car insurance prices may decrease as your credit score improves.
  • Your deductible is the amount you pay out of pocket if you are in an accident. Raising your deductible to save money on your insurance premiums could be a good idea if you are a safe driver with no prior accidents or claims. However, keep in mind that the larger your deductible, the more your out-of-pocket expenses will be in the event of an accident.

How to Get Discounts on Car Insurance in West Virginia

Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.

Auto Insurance Data Methodology

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

West Virginia Car Insurance FAQ's

How much is car insurance in West Virginia?

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.

What is the cheapest car insurance in West Virginia?

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.

Is car insurance expensive in WV?

In West Virginia, car insurance is relatively inexpensive.

Does West Virginia require car insurance?

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.

What is full coverage auto insurance in WV?

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.

How much is insurance for a new driver in WV?

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.

Is comprehensive insurance required in West Virginia?

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.

What are the requirements for WV minimum auto insurance?

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.

What is the state minimum car insurance in Virginia?

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.

Is West Virginia a no-fault state?

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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