How Much Is Car Insurance in West Virginia? (July 2024)

In West Virginia, the annual average cost of car insurance varies depending on the type of policy you choose. For full coverage, drivers can expect to pay around $1,300 per year, while a minimum coverage policy is more affordable at approximately $585 annually.

Factors such as your age, the level of coverage you select, where you live, your driving record, and credit history all play an important role in setting the price of your premium. Every driver is unique, and these factors help insurance companies determine how likely you are to file a claim, which, in turn, affects the cost of your car insurance plan.

West Virginia's average full coverage car insurance cost is around $1,300 annually. Comparing car insurance quotes helps determine if you're offered a fair deal.

Here's what you might pay for auto insurance in West Virginia. Whether opting for minimum coverage or full coverage, these amounts show what you could spend monthly or yearly.

Car insurance costs in West Virginia are relatively moderate. The state's average annual premium of $1,300 is slightly higher than the national average of $1,296. For minimum coverage, West Virginia averages $585 annually, slightly less than the national average of $595.

Many factors affect these rates, including the number of rural roads in West Virginia, which pose a higher risk of animal collisions, adverse weather and frequent claim filings. State law requirements for minimum coverage also play a role in determining the overall cost of car insurance.

Car insurance premiums vary across companies, even within the same state. In West Virginia, Westfield offers the most affordable full coverage at $1,043 annually, while Allstate has the most expensive average premium of $1,712.

Compare quotes from different providers to find the cheapest car insurance in West Virginia. Shopping around can lead to significant savings and a policy that fits your needs.

The chosen level of coverage determines the cost of car insurance in West Virginia. While the average monthly cost for minimum coverage is around $49, opting for full coverage with a $1,000 deductible averages to about $108 monthly. Despite the price difference, full coverage is better due to its extensive protection.

While comprehensive and collision coverage will raise your premium, selecting higher deductibles may reduce these costs. Remember, the deductible is the amount you pay for each comprehensive and collision coverage in case of a claim.

In West Virginia, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 per accident, $25,000 for property damage liability per accident and equal limits for uninsured/underinsured motorist coverage.

Age affects the cost of car insurance in West Virginia. Younger drivers, especially those aged 22 to 29, pay the most, with an annual premium averaging $1,564.

As drivers age, rates generally decrease, with those aged 30 to 59 paying about $1,300 and seniors 60 and older paying around $1,249 annually. The decrease in premiums is due to the perception of increased driving experience and a lower risk of accidents among older drivers.

In West Virginia, both age and gender impact car insurance rates significantly. A 16-year-old male driver added to his family's car insurance policy faces an average annual cost of $2,698, the highest premium bracket among all ages. Teens under 18 typically cannot buy car insurance without a guardian co-signing, with individual policies costing even more, averaging $5,748.

The average annual cost for full coverage car insurance on a 2012 car model is $1,110, while the same coverage leaps to $1,451 for a 2022 model. This increase is due to newer vehicles' higher actual cash value, elevated repair costs and a greater likelihood of theft.

Experts suggest selecting comprehensive and collision coverage for protection against various types of damage and loss, boosting financial security in case of incidents beyond collisions.

Car insurance costs in West Virginia average differently based on your driving record:

• With a ticket: $1,518 per year; $126 per month
• With an at-fault accident: $1,820 per year; $152 per month
• With a DUI: $2,090 per year; $174 per month

A driving violation can raise your car insurance rates more in West Virginia. A ticket, accident, or DUI will hike up what you pay. How long these stay on your record can vary by state.

For example, in West Virginia, a DUI affects your insurance rates for up to ten years, which is longer than many other violations. Meanwhile, minor traffic violations might not impact your premiums as long.

DUI offenses usually lead to the highest cost for car insurance. However, companies in different states sometimes charge more for other serious violations.

The table below shows average insurance costs in West Virginia, sorted by coverage type and age.

West Virginians with excellent credit scores pay an average of $804 for car insurance, while those with lower scores face higher costs, up to $1,598. Your credit score directly affects your car insurance price. A good credit score ranges from 670 to 739, and securing a score within or above this range can lead to more affordable car insurance rates. Scores below 670 may result in increased premiums.

Understanding the average cost of car insurance in West Virginia means examining the specific factors that influence rates in the Mountain State. Here are key elements to consider:

• Driving Record: A clean driving record can lead to more affordable car insurance rates, while tickets and accidents may result in higher premiums.

• Age and Gender: Younger, less experienced drivers often face higher rates, and gender can also impact insurance costs, with males typically paying more.

• Vehicle Type: Your vehicle's make, model and age can significantly affect insurance prices. High-end cars usually have higher insurance rates due to more expensive repairs and parts.

• Coverage Level: Opting for higher coverage limits or adding optional coverages like comprehensive insurance can increase your rate, while choosing just the minimum coverage can be more cost effective.

• Credit Score: West Virginia insurers may consider your credit score when determining rates, with a lower score potentially leading to higher insurance costs.

Location within West Virginia: Rates can vary depending on where you live due to traffic density and crime rates.

• Marital Status: Married drivers can sometimes enjoy lower insurance rates as they're statistically considered less risky to insurers.

• Annual Mileage: The more you drive, the more likely you are to file a claim, which can lead to increased insurance premiums.

• Collision Insurance: Including collision insurance in your policy will protect against damage from accidents and raise your overall premium.

By considering these factors, drivers in West Virginia can better understand their car insurance rates and seek out the most affordable plans that cater to their specific needs.

To secure affordable car insurance in West Virginia, compare quotes, raise your deductible and take full advantage of car insurance discounts. These strategies can immediately lead to more economical rates for your minimum coverage or full coverage policy.

Here, we provide insights and information to assist West Virginia motorists in finding affordable car insurance solutions that align with their needs.