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


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Updated: June 19, 2024

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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 $1,273 per year, while a minimum coverage policy is more affordable at approximately $581 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.

Why Trust MoneyGeek? To pinpoint the most precise average costs for various drivers across West Virginia, MoneyGeek compiled data from Quadrant Information Services and the West Virginia Department of Insurance. This was done using sample driver profiles that reflect the typical criteria insurers use to determine premiums.

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These rates reflect the average cost of car insurance in West Virginia as of June 2024.

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Average Car Insurance Costs in West Virginia

West Virginia's average full coverage car insurance cost is around $1,273 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.

100/300/100 Full Cov. w/$1,000 Ded.Average Annual Premium$1,273Average Monthly Premium$106
100/300/100 Liability OnlyAverage Annual Premium$753Average Monthly Premium$63
State Minimum Liability OnlyAverage Annual Premium$581Average Monthly Premium$48

Why Are Car Insurance Rates Moderate in West Virginia?

Car insurance in West Virginia is relatively moderate in price. When comparing West Virginia's car insurance rates to the national average cost of car insurance, West Virginians pay slightly more for full coverage, with an average annual premium of $1,273 compared to the national average of $1,244. For state minimum coverage, costs in West Virginia average $581 annually, which is slightly more than the national average of $573.

These costs are influenced by many factors, including the number of rural roads in West Virginia, which can pose more risk of animal collisions, the weather conditions and the frequency of claims filed within the state. Legal requirements set by West Virginia for minimum coverage also play a role in determining the overall cost of car insurance.

Average Car Insurance Costs in West Virginia by Company

Car insurance premiums vary across companies, even within the same state. In West Virginia, Erie offers the most affordable full coverage annually at $1,013, while Allstate presents the most expensive average premium at $1,619.

It's important to compare car insurance 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.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
ErieAnnual Premium$1,013Monthly Premium$84
WestfieldAnnual Premium$1,144Monthly Premium$95
GEICOAnnual Premium$1,213Monthly Premium$101
NationwideAnnual Premium$1,289Monthly Premium$107
ProgressiveAnnual Premium$1,318Monthly Premium$110
State FarmAnnual Premium$1,319Monthly Premium$110
AllstateAnnual Premium$1,619Monthly Premium$135
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Average Car Insurance Costs in West Virginia by Coverage Level

The cost of car insurance in West Virginia is impacted by the chosen level of coverage. Opting for minimum coverage may only set you back about $48 monthly, while full coverage significantly increases the cost to around $106 per month. Despite the price difference, a full coverage policy is recommended due to the extensive protection it affords.

While adding comprehensive and collision coverage will raise your premium, you can mitigate the impact by selecting higher deductibles. This strategy can make these extra protections more affordable. Remember that the chosen deductible applies individually to each comprehensive and collision coverage event.

State Minimum Liability OnlyAverage Annual Premium$581Average Monthly Premium$48
100/300/100 Liability OnlyAverage Annual Premium$753Average Monthly Premium$63
300/500/300 Liability OnlyAverage Annual Premium$925Average Monthly Premium$77
State Minimum Liability w/ Full Cov. w/$1,000 Ded.Average Annual Premium$1,172Average Monthly Premium$98
State Minimum Liability w/ Full Cov. w/$1,500 Ded.Average Annual Premium$1,175Average Monthly Premium$98
State Minimum Liability w/ Full Cov. w/$500 Ded.Average Annual Premium$1,262Average Monthly Premium$105
100/300/100 Full Cov. w/$1,000 Ded.Average Annual Premium$1,273Average Monthly Premium$106
100/300/100 Full Cov. w/$1,500 Ded.Average Annual Premium$1,276Average Monthly Premium$106

Minimum Car Insurance Requirements in West Virginia

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.

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    $25,000 for bodily injury liability per person

    In West Virginia, drivers are required to carry at least $25,000 in bodily injury liability coverage for each person injured in an accident.

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    $50,000 for bodily injury liability per accident

    The state minimum for West Virginia mandates $50,000 in bodily injury liability per accident to cover multiple injured parties.

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    $25,000 for property damage liability per accident

    Drivers in West Virginia must have $25,000 in property damage liability coverage for damages caused to another's property.

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    $25,000 uninsured motorist bodily injury per person

    West Virginia law requires $25,000 coverage for bodily injuries per person caused by an uninsured motorist.

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    $50,000 uninsured motorist bodily injury per accident

    For accidents involving uninsured drivers, West Virginia requires a minimum of $50,000 coverage for bodily injuries per accident.

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    $25,000 uninsured/underinsured property damage coverage

    State minimum coverage in West Virginia includes $25,000 for property damage caused by an uninsured or underinsured driver.

Average Car Insurance Costs in West Virginia by Age

Age affects the cost of car insurance in West Virginia. Younger drivers, especially those aged 22 to 29, tend to pay the most for car insurance, with an annual premium averaging at $1,539.

As drivers mature, car insurance rates generally decrease, with those aged 30 to 59 paying about $1,273, and seniors 60 and older at approximately $1,222 annually. The decrease in premiums is due to the perception of increased driving experience and a lower risk of accidents among older drivers.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
22-29Average Annual Premium$1,539Average Monthly Premium$128
30-59Average Annual Premium$1,273Average Monthly Premium$106
60 +Average Annual Premium$1,222Average Monthly Premium$102

Average Car Insurance Costs in West Virginia for Teens

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.

Data filtered by:Results filtered by:
Gender:
Gender:Male
16Added to Family Policy Premium$2,698Individual Premium$5,748
17Added to Family Policy Premium$2,608Individual Premium$4,627
18Added to Family Policy Premium$2,285Individual Premium$4,009
19Added to Family Policy Premium$2,054Individual Premium$3,074
20Added to Family Policy Premium$2,201Individual Premium$2,780
21Added to Family Policy Premium$1,535Individual Premium$1,860
22Added to Family Policy Premium$1,630Individual Premium$1,691
23Added to Family Policy Premium$1,678Individual Premium$1,484

Average Car Insurance Costs in West Virginia for New Cars

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 can be attributed to the higher actual cash value of newer vehicles, elevated repair costs and a greater likelihood of theft.

Experts suggest selecting comprehensive and collision coverage. This affords protection against various damages and losses, bolstering financial security in case of incidents beyond collisions.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
2012 VehicleAnnual Premium$1,110Monthly Premium$92
2022 VehicleAnnual Premium$1,451Monthly Premium$121
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ACTUAL CASH VALUE

The actual cash value (ACV) of your vehicle dictates the payout from your insurance company for comprehensive or collision claims. It represents your car's market value, accounting for depreciation, at the claim's time, not the replacement cost or purchase price. Insurers use ACV to determine the maximum claim payment after a covered incident.

Average Car Insurance Costs in West Virginia by Driving Record

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

  • With a ticket: $1,488 per year; $124 per month
  • With an at-fault accident: $1,789 per year; $149 per month
  • With a DUI: $2,068 per year; $172 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 five 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. But sometimes, companies in different states might charge more for other serious violations.

You can look at the table for average insurance costs in West Virginia. It's sorted by what kind of coverage you want and how old you are, for each kind of driving record.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
CleanAverage Annual Premium$1,273Average Monthly Premium$106
TicketAverage Annual Premium$1,488Average Monthly Premium$124
At-fault AccidentAverage Annual Premium$1,789Average Monthly Premium$149
DUIAverage Annual Premium$2,068Average Monthly Premium$172

Average Car Insurance Costs in West Virginia by Credit Score

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 the price you pay for car insurance in West Virginia. 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. In contrast, scores below 670 may result in increased premiums.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 w/ $1000 Deductible
Age Group:
Age Group:30-59
ExcellentAnnual Premium$804Monthly Premium$67
GoodAnnual Premium$985Monthly Premium$82
FairAnnual Premium$1,154Monthly Premium$96
Below FairAnnual Premium$1,337Monthly Premium$111
PoorAnnual Premium$1,598Monthly Premium$133
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Factors Affecting Car Insurance Rates in West Virginia

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: The make, model and age of your vehicle can significantly affect insurance prices. High-end cars usually come with 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 based on where you live within the state due to factors like traffic density and crime rates.

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

  • Annual Mileage: The more you drive, the higher the likelihood of filing a claim, which can lead to increased insurance premiums.

  • Collision Insurance: Including collision insurance in your policy will protect against damages from accidents but will also contribute to a higher 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.

How to Save Money on Car Insurance in West Virginia

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.

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    Compare Quotes

    Regularly comparing quotes can lead to finding the cheapest car insurance in West Virginia. Prices vary by provider so it's important to shop around.

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    Increase Deductibles

    Opting for higher deductibles can lower your premiums. Ensure the deductible is affordable in case of a claim.

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    Maintain a Clean Driving Record

    A clean driving record with no accidents or violations can significantly reduce your insurance costs.

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    Bundle Policies

    Bundling auto insurance with other policies like homeowners insurance can unlock discounts and lead to more affordable rates.

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    Look for Discounts

    Insurers offer various discounts, such as for safe driving, good students or military affiliation. Always ask your provider about potential savings.

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    Drive a Car with Safety Features

    Vehicles equipped with safety features may qualify for lower insurance rates. Features like anti-lock brakes and airbags can make a difference.

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    Review Coverage

    Ensure you're not overpaying for insurance by reviewing your coverage needs annually. Adjusting your coverage can lead to savings.

FAQ: Car Insurance Costs in West Virginia

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

What are the minimum car insurance requirements in West Virginia?
What is the average cost of full coverage and minimum coverage auto insurance in West Virginia?
What is the average cost of car insurance for a 22-year-old in West Virginia?
What are the cheapest car insurance companies in West Virginia?

About Mark Fitzpatrick


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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.