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.
How Much is Car Insurance in West Virginia? Rates by Coverage Level, Age, Driving History and Location
The average cost of car insurance in West Virginia is $1,016 per year. This rate is based on a sample profile of a 40-year-old driver with a clean record purchasing a full coverage policy. The same driver would pay an estimated $519 per year for a minimum coverage policy. If a young driver purchases a full coverage policy, the average cost increases by $1,447 to an average of $2,463 yearly. However, depending on your specific profile, these rates can vary widely. MoneyGeek broke down the average car insurance cost in West Virginia based on the key rating factors to help you understand how rates vary.
Average Cost of Car Insurance in West Virginia: Summary
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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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
Minimum vs. Full Coverage Car Insurance Costs 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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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
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
- Below Fair$1,436
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
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.
MoneyGeek collected car insurance quotes in collaboration with Quadrant Information Services across West Virginia. The policies in this study were for a 40-year-old driver with a safe driving record purchasing a full coverage policy unless altered by the factors described above, including coverage levels, age, driving violations and credit score. MoneyGeek also analyzed data as follows:
- Highway traffic density was calculated with 2019 data from the Federal Highway Administration
- Data on uninsured motorists were drawn from the Insurance Research Council's 2019 study
- Urban share of population was calculated using the latest data from the U.S. Census Bureau
- Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019
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