West Virginia drivers pay approximately $1,326 for full coverage and $637 for minimum coverage per year, calculated for a 40-year-old driver with solid credit and no violations. West Virginia ranks 23rd for full coverage and 28th for minimum coverage affordability, with rates 9% below and 7% below typical standards respectively.
Average Cost of Car Insurance in West Virginia
Updated: October 17, 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 |
Comprehensive and collision protection costs an additional $689 yearly beyond liability coverage, about $57 monthly. Your actual premiums will vary according to personal characteristics, driving record and policy preferences.
Average West Virginia Car Insurance Cost By Category
Credit history creates West Virginia's largest rate gap, with impaired credit costing $321 monthly compared to adults at $109 monthly for full coverage. Your driving profile impacts West Virginia car insurance pricing significantly.
Young drivers pay moderate $263 monthly rates while older vehicles match adult pricing at $108 monthly. West Virginia's mountainous terrain affects all categories, but credit emerges as the dominant cost factor.
| Adult Drivers | $53 | $109 |
| Drivers With Old Cars | $53 | $108 |
| Drivers With A Speeding Ticket | $65 | $138 |
| Drivers With An Accident | $70 | $148 |
| Senior Drivers | $72 | $142 |
| Drivers With Newer Cars | $82 | $168 |
| Drivers With A DUI | $83 | $181 |
| Drivers With Low Income | $90 | $193 |
| Young Drivers | $125 | $263 |
| Drivers With Bad Credit | $152 | $321 |
West Virginia's challenging geography creates moderate base rates, with credit scores generating the most substantial premium variations across driver categories.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average West Virginia Car Insurance Cost by Company
GEICO leads with competitive rates in West Virginia at $92 monthly for full coverage, while Allstate operates at significantly higher price points with $142 monthly. West Virginia shows considerable price variations between insurance carriers, with full coverage premiums ranging from $92 to $142 monthly across major companies.
West Virginia drivers can achieve substantial annual savings of approximately $596 by comparison shopping.
| Westfield Insurance | $30 | $95 |
| Erie Insurance | $36 | $92 |
| Geico | $42 | $92 |
| State Farm | $49 | $119 |
| Allstate | $76 | $142 |
Average West Virginia Car Insurance Cost by City
Bloomery keeps costs down at $96 monthly while Lenore reaches $150 monthly for full coverage, creating a $54 difference across West Virginia's diverse regions. Mountain geography influences these variations.
Rural communities benefit from lower crime and traffic density, while some areas face economic challenges that can affect insurance costs. Compare rates for your city below.
Data filtered by:
Alachua
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.
- 1Decide 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.
- 2Research 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.
- 3Look 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.
- 4Compare 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- National Insurance Crime Bureau . "Hot Spots Report Shows Vehicle Theft Rates Spiking In Different Regions of the US ." Accessed October 28, 2025.