How Much Is Car Insurance in West Virginia? (2022 Averages)
West Virginia car insurance rates rank among the cheapest in the country at an average of $1,016 per year against a national average of $1,424 yearly. These rates are averages based on quotes from different insurers for a sample driver in West Virginia. MoneyGeek also analyzed the average car insurance cost in West Virginia based on coverage level, age, driving history, credit score and location.
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On average, drivers pay $1,016 per year for full coverage car insurance in West Virginia. However, profile and preferred coverage level do affect rates. For example, purchasing minimum coverage lowers the average annual premium to $519. And the full coverage rate for drivers with a violation on their record averages $1,288 annually, while a young driver on the policy makes the cost go up to roughly $2,463 per year.
Another factor that may significantly impact your cost is your insurance company choice in West Virginia. For example, a full coverage policy from Erie is around $698 per year, but Progressive charges roughly $1,123 per year.
Methodology
Why Trust MoneyGeek? West Virginia car insurance rates in this study are based on our analysis of data and information from the West Virginia Department of Insurance and Quadrant Information Services.
These rates were updated in September 2022 to reflect how car insurance rates in West Virginia have changed up to this month.
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The Average Cost of Car Insurance in West Virginia
West Virginia car insurance rates vary depending on a variety of factors including age, coverage level, driving history and credit score. Age has the biggest impact on the average car insurance costs in West Virginia, followed by credit score.
You can look up the average cost of car insurance for a given driver profile to see how rates change depending on the various rating factors.
Average Costs of Car Insurance in West Virginia
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- DriverAverage Annual PremiumAverage Monthly Premium
- The Average Driver$1,016$85
- Drivers Buying Minimum Coverage$519$43
- Adding a Young Driver$2,463$205
- Drivers With a Violation$1,288$107
- Drivers With Poor Credit$1,753$146
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Why Are Car Insurance Rates Cheap in West Virginia?
State-specific factors usually impact the cost of car insurance. West Virginia is among the cheapest states in the country for car insurance. At an average cost of $1,016 per year, drivers in West Virginia pay less than the average national car insurance rate of $1,424 yearly. Due to the low rate of uninsured drivers in West Virginia and the low traffic density in the state, the risk of car accidents is not as high as it is in other states, hence the lower cost of car insurance. West Virginia also has some of the lowest rates of car theft in the country.
Average Cost of Car Insurance in West Virginia: Full Coverage vs. Minimum Coverage
The cost of car insurance in West Virginia will vary depending on the coverage level that you purchase. A full coverage policy with 100/300/100 coverage costs an average of $1,016 yearly, while a liability-only policy costs an average of $519 yearly. A minimum coverage policy is typically cheaper since it only provides the minimum coverage mandated by West Virginia car insurance laws. Full coverage policies have comprehensive and collision insurance and are consequently more costly.
Average Cost of Car Insurance in West Virginia by Coverage Level
Your most inexpensive option for car insurance is a state minimum policy in West Virginia. However, you can adjust your liability limits to 50/100/50 or 100/300/100, for example, for added protection.
These numbers represent the liability coverage levels in your West Virginia auto policy. For example, 50/100/50 means your limits are:
- $50,000 for bodily injury liability per person
- $100,000 for bodily injury liability per accident
- $50,000 for property damage liability per accident
A full coverage policy includes comprehensive and collision insurance alongside liability. These additional coverages pay for the cost of damage to your car.
Average Cost of Car Insurance in West Virginia By Company
West Virginia car insurance rates typically vary from one insurer to the next. This means it is important to compare quotes from different providers to find the best rates available. For a full coverage policy, Erie offers the cheapest rates in West Virginia for both full coverage and minimum coverage car insurance policies. USAA is also affordable, but this policy is only available to current and former members of the military.
On average, MetLife offers the most expensive full coverage and minimum coverage car insurance policies in West Virginia.
Average Annual Costs of Car Insurance in West Virginia - By Company
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- CompanyMinimum CoverageFull Coverage
- $265$622
- $314$698
- $397$805
- $434$874
- $404$879
How Much Is Car Insurance in West Virginia by Age?
Age is one of the most important rating factors in the cost of car insurance in West Virginia. The average 40-year-old in West Virginia pays $1,016 per year for car insurance. Meanwhile, a 16-year-old buying similar coverage will pay an average of $2,463 yearly.
Car insurance rates for young drivers and new drivers tend to be equally high since both groups are categorized as high risk. However, young drivers in West Virginia can save on insurance costs by being covered under their parents’ car insurance policy.
Average Costs of Full Coverage Car Insurance in West Virginia - By Age
How Does Driving History Affect Car Insurance Costs in West Virginia?
Your driving history is one of the factors that will impact how much you pay for car insurance in West Virginia. The worse your driving record is, the higher your car insurance premiums are likely to be.
On average, a driver with a clean driving record will pay an average of $1,016 per year for car insurance. On the other hand, a driver with a speeding ticket will pay roughly $1,288 per year. These rates can be even higher for more serious violations like DUIs. If you have a poor driving history, you can look up affordable options for drivers with a bad driving record.
Average Costs of Full Coverage Car Insurance in West Virginia - By Driving History
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- Driving ViolationAnnual Premium
- Safe Driver$1,016
- Speeding Ticket$1,288
- At-Fault Accident$1,511
- DUI$1,863
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Credit Scores and the Cost of Car Insurance in West Virginia
In West Virginia, you can save on car insurance premiums if you have a good credit score. However, if you have a poor credit score, you will pay higher rates for car insurance. A driver in West Virginia with an excellent credit score pays an average of $183 less per year compared to a driver with a good credit score. Drivers with poor credit scores pay $753 more per year on average compared to those with a good credit score.
Average Costs of Full Coverage Car Insurance in West Virginia - By Credit Score
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- Credit ScoreAnnual Premium
- Excellent$817
- Good$1,000
- Fair$1,201
- Below Fair$1,436
- Poor$1,753
How Much Is Car Insurance in Your City?
MoneyGeek’s data on car insurance in West Virginia is from the city of Charleston. Car insurance rates can differ significantly within states. This is because factors like population density, rates of car thefts and frequency of natural disasters vary from city to city. This means that the risk factors associated with some cities are higher, hence higher car insurance rates. Cities where risk factors like car theft incidences and traffic density are low will typically have lower car insurance rates.
Average Costs of Full Coverage Car Insurance in West Virginia - By City
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- CityAnnual Premium
- $1,016
Frequently Asked Questions About West Virginia Car Insurance Rates
You can find more information on West Virginia car insurance rates in the answers to these frequently asked questions.
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