How Much Is Car Insurance in West Virginia? (2023)

Many factors may affect your premium costs, including your insurer, age, driving history, coverage level and location. Erie offers the cheapest average full coverage rate in West Virginia, at a yearly premium of $784, while Progressive offers the most expensive at $1,319. Meanwhile, a 16-year-old male driver on a family plan pays an average annual rate of $2,698, a little higher than a 16-year-old female driver on the same plan.

In West Virginia, the average cost of car insurance is $1,024 per year, but your premium rates will depend on your policy’s coverage, driving history and other factors. Here is how rates for drivers with infractions compare to those with a clean record:

• Clean record: $1,024 per year
• Speeding ticket: $1,232 per year
• At-Fault Accident: $1,488 per year
• DUI: $1,719 per year

The rates listed above are for a full coverage policy. State minimum coverage policies are typically cheaper.

West Virginia's average annual car insurance rate is $1,024, close to the national yearly average of $1,054. Auto insurance is moderately expensive in the Mountain State due to its medium traffic density, low urban population density, cheaper insurers and lower vehicle theft rates. Your insurance rates may differ due to personal factors like age and driving history.

You can use the average cost of car insurance in West Virginia to estimate what you’ll likely pay, but your quoted rate may differ. Insurance premiums vary from company to company. Erie offers the cheapest minimum coverage in West Virginia at $303 per year ($784 per year for full coverage). Progressive is the most expensive insurer, with minimum coverage costing $735 per year ($1,319 per year for full coverage).

The state-mandated minimum coverage is typically cheaper than full coverage policies, but you can still get affordable full coverage insurance by shopping around and comparing quotes.

In West Virginia, the average annual cost of car insurance typically ranges from $444 for the cheapest minimum coverage level to $1,120 for the highest coverage level in the state. Premiums rise as you increase your liability limits, usually by hundreds of dollars annually. Individuals looking to save money on a full coverage policy can opt for a higher deductible, which you must pay before insurance kicks in.

A minimum coverage car insurance policy is the most affordable type of policy available. It has the lowest liability limits and lacks comprehensive or collision coverage. The cost of a minimum coverage policy may be higher in West Virginia compared to other states due to its mandatory uninsured motorist insurance.

Insurers often offer increased liability limits shortened to 50/100/50 or 100/300/100. For example, a 50/100/50 policy would provide:

• $50,000 in bodily injury liability insurance per person
• $100,000 in bodily injury liability insurance per accident
• $50,000 in property damage liability insurance per accident

The maximum liability option most insurers offer is 300/500/300. While liability insurance covers damage or injury to others, comprehensive and collision insurance covers the cost of damages to you and your vehicle, making it a full coverage policy.

Age impacts the cost of young and new drivers’ premiums in West Virginia and other states. We compared the average full coverage rates for drivers based on their age group:

• 22–29: $1,236 per year
• 30–59: $1,024 per year
• 60+: $985 per year

Rates rarely change for drivers between the ages of 30 and 59 but typically decrease for seniors aged 60 and over. Young drivers generally have the highest rates because they are considered high risk to insurance companies. New drivers in their 30s usually pay a similar amount to drivers in their 20s due to their limited experience.

West Virginia teen drivers pay the highest rates for auto insurance compared to other age groups. A 16-year-old male driver on a family policy pays an average of $2,698 annually for a full coverage policy. Meanwhile, the same driver on an individual policy will pay $5,748 yearly.

Teen insurance rates significantly decrease as they age and gain more driving experience. For instance, a 19-year-old on a family policy pays an average of $2,054 per year, while a 22-year-old driver pays $1,630 per year.

The driver’s gender is also a major determinant of rates. For example, a 16-year-old female driver on a family policy will pay an average of $2,406 per year, $292 less than their male counterparts. Rates also vary among insurers. MoneyGeek recommends shopping around to get the cheapest auto insurance in West Virginia.

In West Virginia, the average cost of full coverage car insurance for a new car is approximately $1,451 per year, while an older car costs around $1,110 per year — a 31% difference.

New cars are more expensive to insure due to their higher actual cash value (ACV), cost of repairs and risk of theft. The ACV of a vehicle is essential for car insurance, as it determines how much an insurer will pay out in the event of a total loss. As the car ages, its ACV decreases, which results in lower rates.

Drivers of newer cars in West Virginia should consider getting full coverage insurance. This coverage can help protect against the higher costs of repairs and replacement for a new car in the event of theft or an accident.

Drivers with poor driving records pay more for auto insurance than those with a clean history. Based on their records, West Virginia drivers will pay the following rates on average:

• Clean record: $1,024 per year
• Speeding ticket: $1,232 per year
• At-fault accident: $1,488 per year
• DUI: $1,719 per year

The severity of your offense determines your rates. Insurance companies charge different amounts for a particular violation. To get the best rates, MoneyGeek recommends comparing quotes while searching for the cheapest insurer for drivers with poor records.

In West Virginia, credit score may affect the cost of your auto insurance policy. Drivers with excellent credit scores pay an average of $804 annually, whereas those with poor credit pay $1,598 annually. The following are average rates for a minimum coverage policy based on credit scores:

• Excellent: $804 per year
• Good: $985 per year
• Fair: $1,154 per year
• Below fair: $1,337 per year
• Poor: $1,598 per year

Different insurers may penalize drivers more or less for lower credit scores. Drivers with low credit scores should shop for a cheap insurer in West Virginia by comparing quotes.

MoneyGeek answered the most frequently asked questions about average car insurance costs in West Virginia. Your rates may change depending on your age, driving record and location.