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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.

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2023

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Average Car Insurance Costs in West Virginia (2023)

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$438

$37

Clean

$444

$37

Clean

$511

$43

Ticket

$548

$46

Ticket

$551

$46

Ticket

$638

$53

At-Fault Accident

$660

$55

At-Fault Accident

$675

$56

DUI

$739

$62

DUI

$755

$63

At-Fault Accident

$766

$64

DUI

$848

$71

Clean

$985

$82

Clean

$1,024

$85

Ticket

$1,210

$101

Ticket

$1,232

$103

Clean

$1,236

$103

At-Fault Accident

$1,480

$123

Ticket

$1,482

$124

At-Fault Accident

$1,488

$124

DUI

$1,716

$143

DUI

$1,719

$143

At-Fault Accident

$1,778

$148

DUI

$2,037

$170

Why Are Car Insurance Rates Moderate in West Virginia?

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.

Average Car Insurance Costs in West Virginia by Company

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.

Company
Annual Premium
Monthly Premium

Erie

$300

$25

Erie

$303

$25

Westfield

$327

$27

Westfield

$350

$29

Erie

$361

$30

State Farm

$368

$31

State Farm

$385

$32

Nationwide

$408

$34

Nationwide

$421

$35

State Farm

$459

$38

GEICO

$479

$40

Nationwide

$498

$42

GEICO

$508

$42

GEICO

$545

$45

Westfield

$565

$47

Allstate

$577

$48

Allstate

$583

$49

Allstate

$623

$52

Progressive

$735

$61

Progressive

$761

$63

Erie

$773

$64

Erie

$784

$65

Progressive

$840

$70

State Farm

$844

$70

State Farm

$915

$76

GEICO

$941

$78

Westfield

$951

$79

Erie

$962

$80

Nationwide

$980

$82

Westfield

$1,026

$85

GEICO

$1,046

$87

Nationwide

$1,063

$89

GEICO

$1,093

$91

State Farm

$1,105

$92

Allstate

$1,206

$101

Nationwide

$1,239

$103

Allstate

$1,267

$106

Progressive

$1,319

$110

Progressive

$1,321

$110

Allstate

$1,321

$110

Progressive

$1,552

$129

Westfield

$1,614

$134

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MONEYGEEK’S WEST VIRGINIA CAR INSURANCE CALCULATOR

When computing your premium rates, insurance companies consider many factors, including coverage levels, age, location and driving history. MoneyGeek’s West Virginia auto insurance calculator aggregates car insurance rates from many insurers in our database to give you an accurate estimate.

Average Car Insurance Costs in West Virginia by Coverage Level

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.

Average annual car insurance rates by coverage tier

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.

Average Car Insurance Costs in West Virginia by Age

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.

Age
Annual Premium
Monthly Premium

22-29

$1,236

$103

22-29

$511

$43

30-59

$444

$37

30-59

$1,024

$85

60 +

$438

$37

60 +

$985

$82

Average Car Insurance Costs in West Virginia for Teens

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.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,406

$200

$5,345

$445

16

$2,698

$225

$5,748

$479

17

$2,317

$193

$4,181

$348

17

$2,608

$217

$4,627

$386

18

$2,015

$168

$3,567

$297

18

$2,285

$190

$4,009

$334

19

$1,827

$152

$2,690

$224

19

$2,054

$171

$3,074

$256

20

$1,933

$161

$2,421

$202

20

$2,201

$183

$2,780

$232

21

$1,403

$117

$1,696

$141

21

$1,535

$128

$1,860

$155

22

$1,460

$122

$1,586

$132

22

$1,630

$136

$1,691

$141

23

$1,487

$124

$1,401

$117

23

$1,678

$140

$1,484

$124

24

$1,389

$116

$1,308

$109

24

$1,548

$129

$1,371

$114

25

$1,270

$106

$1,196

$100

25

$1,369

$114

$1,211

$101

Average Car Insurance Costs in West Virginia for New Cars vs. Older Cars

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.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$511

$43

2022 Vehicle

$522

$43

2012 Vehicle

$528

$44

2012 Vehicle

$533

$44

2022 Vehicle

$565

$47

2012 Vehicle

$578

$48

2012 Vehicle

$1,071

$89

2012 Vehicle

$1,110

$92

2012 Vehicle

$1,262

$105

2022 Vehicle

$1,384

$115

2022 Vehicle

$1,451

$121

2022 Vehicle

$1,692

$141

Average Car Insurance Costs in West Virginia by Driving Record

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$438

$37

Clean

$444

$37

Clean

$511

$43

Ticket

$548

$46

Ticket

$551

$46

Ticket

$638

$53

At-Fault Accident

$660

$55

At-Fault Accident

$675

$56

DUI

$739

$62

DUI

$755

$63

At-Fault Accident

$766

$64

DUI

$848

$71

Clean

$985

$82

Clean

$1,024

$85

Ticket

$1,210

$101

Ticket

$1,232

$103

Clean

$1,236

$103

At-Fault Accident

$1,480

$123

Ticket

$1,482

$124

At-Fault Accident

$1,488

$124

DUI

$1,716

$143

DUI

$1,719

$143

At-Fault Accident

$1,778

$148

DUI

$2,037

$170

Average Car Insurance Costs in West Virginia by Credit Score

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.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$382

$32

Excellent

$384

$32

Excellent

$419

$35

Good

$460

$38

Good

$464

$39

Good

$505

$42

Fair

$535

$45

Fair

$538

$45

Fair

$587

$49

Below Fair

$615

$51

Below Fair

$618

$51

Below Fair

$676

$56

Poor

$715

$60

Poor

$720

$60

Excellent

$730

$61

Excellent

$771

$64

Excellent

$778

$65

Poor

$790

$66

Excellent

$804

$67

Excellent

$856

$71

Excellent

$872

$73

Good

$895

$75

Excellent

$898

$75

Excellent

$923

$77

Good

$947

$79

Good

$953

$79

Good

$985

$82

Excellent

$994

$83

Good

$1,045

$87

Fair

$1,047

$87

Good

$1,067

$89

Good

$1,103

$92

Fair

$1,108

$92

Fair

$1,117

$93

Good

$1,129

$94

Fair

$1,154

$96

Below Fair

$1,214

$101

Good

$1,214

$101

Fair

$1,229

$102

Fair

$1,252

$104

Below Fair

$1,284

$107

Fair

$1,293

$108

Below Fair

$1,295

$108

Fair

$1,326

$111

Below Fair

$1,337

$111

Below Fair

$1,424

$119

Fair

$1,427

$119

Poor

$1,445

$120

Below Fair

$1,451

$121

Below Fair

$1,502

$125

Poor

$1,524

$127

Below Fair

$1,541

$128

Poor

$1,553

$129

Poor

$1,598

$133

Below Fair

$1,657

$138

Poor

$1,718

$143

Poor

$1,744

$145

Poor

$1,790

$149

Poor

$1,845

$154

Poor

$1,991

$166

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in West Virginia

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.