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

In West Virginia, car insurance costs differ based on the coverage level. Full coverage averages around $1,328 annually, while minimum coverage costs about $629 per year.

Your age, coverage level, location, driving record and credit score affect your premium. Insurers assess these factors to gauge the likelihood of a claim.

West Virginia's average full coverage car insurance costs $1,328 annually or about $111 per month. Comparing quotes helps ensure you get a fair rate.

Whether you choose minimum or full coverage, the figures below provide a clear idea of what you might spend on auto insurance each month or year.

Car insurance costs in West Virginia are fairly moderate. The state's average annual premium for full coverage is $1,328, just below the national average of $1,330. For minimum coverage, West Virginia averages $629 annually, higher than the national average of $615.

Several factors affect these rates, including West Virginia's rural landscape, which typically results in fewer accidents and claims compared to urban areas. The state's competitive insurance market also helps keep premiums affordable. State laws governing minimum coverage requirements also influence overall insurance costs.

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.

West Virginia's car insurance costs vary by coverage level. Minimum coverage averages about $52 per month, while full coverage with a $1,000 deductible costs around $111 monthly. Although full coverage insurance is more expensive, it offers broader protection for accidents and vehicle damage.

Adding comprehensive and collision coverage to your policy will increase your premium, but choosing higher deductibles can help keep costs manageable. Remember that the deductible applies separately to each comprehensive or collision claim you file.

West Virginia's 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.

In West Virginia, car insurance costs vary with age. Drivers aged 22 to 29 pay the most, about $1,599 a year. Rates drop for drivers aged 30 to 59, averaging $1,328 annually. Seniors 60 and older pay the least, around $1,278 per year. Older drivers are often seen as more experienced and less risky, leading to lower insurance costs.

In West Virginia, car insurance rates vary by age and gender. A 16-year-old male added to a family policy pays an average of $2,698 annually, the highest rate for any age group.

Individual policies for teens under 18, who usually need a guardian to co-sign, cost even more at $5,748 annually.

In West Virginia, the average annual cost for full coverage car insurance is $1,110 for a 2012 model, but it rises to $1,451 for a 2022 model. Newer cars cost more to insure due to their higher actual cash value, repair costs and theft risk.

Experts recommend adding comprehensive and collision coverages to protect against various types of damage and losses, providing better financial security.

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

• With a ticket: $1,554 per year; $130 per month
• With an at-fault accident: $1,866 per year; $155 per month
• With a DUI: $2,147 per year; $179 per month

In West Virginia, violations can greatly raise your insurance rates. A DUI often leads to the highest costs, and it can affect your rates for up to 10 years, longer than in many other states. Minor violations usually have a shorter impact.

The table below shows average insurance costs by coverage type and age group for different driving records in West Virginia.

West Virginia's car insurance costs vary with credit scores. Drivers with excellent credit scores pay around $804 annually, while those with poor scores face premiums up to $1,598. A good credit score (670 to 739) often results in lower rates, while scores below 670 can lead to higher premiums.

Understanding car insurance costs in West Virginia involves considering several key factors to find a policy that fits your needs and budget:

• Driving record: Clean records often mean lower rates, while tickets and accidents can raise premiums.
• Age and gender: Younger, less experienced drivers and males typically face higher costs.
• Vehicle type: High-end or newer vehicles usually cost more to insure due to expensive repairs and parts.
• Coverage level: Higher coverage limits or adding optional coverages like comprehensive insurance increases rate, while minimum coverage is more cost effective.
• Credit score: Lower credit scores can lead to higher premiums.
• Location: Rates vary depending on traffic density and crime rates in your area.
• Marital status: Married drivers often receive lower rates, as they're considered less risky to insurers.
• Annual mileage: More driving increases the likelihood of claims, potentially raising premiums.
• Collision insurance: Adding collision insurance to your policy offers protection against accident damage but raises your overall premium.

To get affordable car insurance in West Virginia, compare quotes from different insurers, increase your deductible and use available discounts. These strategies can help lower your costs for minimum and full coverage policies.

We offer insights and information to help West Virginia drivers find affordable car insurance that suits their needs.