West Virginia car insurance costs about $1,326 per year for full coverage and $637 for minimum coverage, based on a 40-year-old driver with good credit and no driving violations. Rates vary depending on your unique profile.
Average Cost of Car Insurance in West Virginia
Updated: August 19, 2025
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Key Takeaways
Car insurance costs range from $636 to $3,852 per year depending on your chosen coverage, driving profile and location.
Car insurance costs in West Virginia are typical for the U.S., with the state placing 28th for minimum coverage and 23rd for full coverage affordability.
Find the cheapest car insurance in West Virginia by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In West Virginia
| Full Coverage | $111 | $1,326 |
| Minimum Coverage | $53 | $637 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average West Virginia Car Insurance Cost By Category
Car insurance varies widely depending on your unique characteristics, location and car. Here are average rates for common categories of drivers so you can see how pricing can vary.
| Young Drivers | $125 | $263 |
| Adult Drivers | $53 | $109 |
| Senior Drivers | $72 | $142 |
| Drivers With An Accident | $70 | $148 |
| Drivers With A DUI | $83 | $181 |
| Drivers With A Speeding Ticket | $65 | $138 |
| Drivers With Bad Credit | $152 | $321 |
| Drivers With Low Income | $90 | $193 |
| Drivers With Newer Cars | $82 | $168 |
| Drivers With Old Cars | $53 | $108 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Personalized Average West Virginia Car Insurance Costs
The general driver categories give you a starting point, but your costs will be different. Use our table below to find rates that match your specific situation.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 376 | 4514 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average West Virginia Car Insurance Cost by City
Where you live in West Virginia makes a big difference in your car insurance costs. Annual rates for full coverage range from $553 in Mathias to $1,803 in Lenore. Compare both full and minimum coverage rates for your city and other areas across the state below.
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City:Alachua
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Is West Virginia Car Insurance Expensive?
Our 2025 analysis shows West Virginia ranks in the middle range for insurance costs, with 23rd place for full coverage affordability and 28th for minimum coverage, placing it near the national average. While these numbers show the state's overall pricing picture, your specific city in West Virginia might rank much higher or lower when compared to other locations across the country.
Why Is Car Insurance More Expensive in West Virginia?
Why does West Virginia insurance cost what it does? Here are the main factors:
Mandatory Uninsured Motorist Coverage
West Virginia requires uninsured and underinsured motorist coverage at the same limits as liability coverage: $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage. This mandatory coverage protects drivers from financial loss when dealing with uninsured drivers, but it also increases the cost of minimum coverage policies compared to states that don't require this protection.
Natural Disaster Risk Factors
West Virginia faces specific weather-related risks that can affect insurance costs, including flooding in certain regions and winter weather conditions in mountainous areas. However, the state experiences fewer natural disasters compared to other states, which helps keep comprehensive coverage costs lower than in hurricane-prone or tornado-prone states.
Affordable Cost of Living Impact
With its low population density and cost of living, it's no surprise that auto insurance tends to be less expensive in West Virginia than in other states. The state's lower wages and reduced cost of living translate to lower medical costs, repair expenses and legal settlements, all of which help keep insurance premiums more affordable than in high-cost metropolitan areas.
Competitive Insurance Market
The most expensive policies in West Virginia cost roughly $2,025 per year, while the least expensive coverage costs around $610 per year. This $1,415 potential savings highlights the importance of shopping around in West Virginia's competitive insurance market. Multiple insurers compete for business in the state, creating opportunities for savings.
Below-Average Car Theft Rate
West Virginia experienced declines in car theft from 2021 to 2022, bucking the national trend of increasing auto theft. The state's low car theft rate contributes to lower comprehensive coverage costs for drivers. Rural areas typically see less car crime, and West Virginia's geographic isolation and lower population density create fewer opportunities for organized theft rings.
Limited Urban Areas Keep Rates Low
West Virginia's limited urban development means most drivers avoid the higher rates associated with dense metropolitan areas. The most expensive locations for insurance in West Virginia are Huntington, Saint Albans and Barboursville, but even these areas don't approach the costs seen in major cities in other states. The state's rural character helps maintain affordable rates statewide.
Limited Urban Areas Keep Rates Low
West Virginia's lower insurance rates can be attributed to factors like its sparse population, fewer natural disasters and a car theft rate that's below the national average. More than half of West Virginia residents live in rural areas, and the state's population density is very low overall. This brings down insurance costs because it means fewer drivers, less traffic and fewer accidents and claims statewide.
How To Lower Car Insurance Costs In West Virginia
Below we've created a step-by-step guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different methods of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in West Virginia: Bottom Line
West Virginia car insurance costs fall in the middle range compared to other U.S. states, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in West Virginia: FAQ
Below are answers to frequently asked questions about West Virginia car insurance costs:
How much is West Virginia car insurance per month?
West Virginia car insurance costs $53 for minimum coverage and $111 for full coverage policies. Rates range from $53 to $321 monthly depending on your unique driver profile and coverage choice.
What factors affect West Virginia car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is West Virginia car insurance so expensive?
West Virginia benefits from low population density and below-average car theft rates, contributing to affordable insurance costs. The state requires mandatory uninsured motorist coverage and experiences limited urban development, keeping rates low. Credit scores impact rates, with poor credit increasing costs by 113%. West Virginia's rural character and low crime rates help maintain competitive insurance market pricing.
How expensive is West Virginia car insurance?
Auto insurance costs in West Virginia fall into the moderate range nationally, with the state placing 28th for minimum coverage and 23rd for full coverage affordability, putting it squarely in the middle tier of U.S. states.
How We Determined West Virginia Car Insurance Costs
We used the following profile and modifications of this profile to determine West Virginia auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- National Insurance Crime Bureau . "Hot Spots Report Shows Vehicle Theft Rates Spiking In Different Regions of the US ." Accessed August 25, 2025.