Erie ranks as the best car insurance company in West Virginia, earning a MoneyGeek score of 4.87 out of 5 for its exceptional customer service and competitive rates. Since insurance needs vary by driver, we also recommend considering Westfield, GEICO, State Farm and Progressive.
Best Car Insurance in West Virginia
Updated: August 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Erie is West Virginia's best overall car insurance provider for its superior affordability and good customer service reputation.
Erie offers the best rates and service for young drivers, those with accidents, and drivers with speeding tickets, while GEICO provides the most affordable coverage for newer and older vehicles.
To get the best car insurance in West Virginia, decide on coverage beforehand, research costs and providers, and compare plenty of quotes.
Best Car Insurance Companies in West Virginia
| Erie | 4.87 | $64 | 1 | 3 |
| Westfield | 4.29 | $63 | 6 | 5 |
| GEICO | 4.26 | $67 | 4 | 5 |
| State Farm | 3.92 | $84 | 3 | 5 |
| Progressive | 3.76 | $112 | 2 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in West Virginia by Driver Profile
Erie leads 8 out of 10 insurance categories in West Virginia, showing strong performance across most driver types. GEICO stands out in two specific areas, offering the cheapest rates for both newer and older vehicles.
| Young Drivers | Erie | 1 | 1 | 3 |
| Adult Drivers | Erie | 2 | 1 | 3 |
| Senior Drivers | Erie | 3 | 1 | 3 |
| Drivers With an Accident | Erie | 1 | 1 | 3 |
| Drivers With a DUI | Erie | 2 | 1 | 3 |
| Drivers With a Speeding Ticket | Erie | 1 | 1 | 3 |
| Drivers With Bad Credit | Erie | 3 | 1 | 3 |
| Drivers With Low Income | Erie | 3 | 1 | 3 |
| Drivers With Newer Cars | GEICO | 1 | 3 | 4 |
| Drivers With Old Cars | GEICO | 2 | 3 | 4 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best West Virginia Car Insurance Recommendations
Our recommendations cover common scenarios, but your unique profile might match better with different West Virginia providers. Compare these five top-rated insurers to find coverage that fits your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie | 4.90 | $231 | 1 | 3 |
| Westfield | 4.28 | $232 | 6 | 5 |
| Progressive | 4.25 | $324 | 2 | 2 |
| GEICO | 4.10 | $285 | 4 | 5 |
| Farmers | 3.60 | $406 | 7 | 1 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best West Virginia Car Insurance Reviews
Find detailed service breakdowns for our top-rated insurance picks in each category below.
Erie
Best Customer Experience in West Virginia
MoneyGeek Rating
4.9/ of 5
4.9/5Affordability
5/5Customer Experience
4/5Coverage Options
Average Monthly Full Coverage Cost
$92For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$36For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.45/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Rate Lock Protection
Westfield Insurance
Best Cheap Overall in West Virginia
MoneyGeek Rating
4.3/ of 5
5/5Affordability
3.5/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Cost
$95For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$30For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
3.8/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Farm Equipment Protection
How to Find the Best Car Insurance in West Virginia
Finding the best car insurance in West Virginia can be difficult, so we've created this guide to help you find the right coverage.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance, is to not know what coverage you need. Consider your driving habits, location and finances when deciding what you need while meeting West Virginia required minimums.
- 2
Research average costs and discounts you may qualify for
To get an idea of how much you are saving, you should research average car insurance costs in West Virginia to have a measuring stick for your profile. Look for savings through home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also reduce your premium.
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer reviews and look for available add-ons to ensure the provider offers all coverage options you might need.
- 4
Consider non-standard coverage options
Insurance from automakers, non-owner car insurance, and pay-per-mile policies can be better and cheaper options. Coverage requirements differ if you need an SR-22 in West Virginia.
- 5
Compare plenty of quotes through multiple means
Comparing car insurance quotes against one another is the best way to find the cheapest option possible.
- 6
Reassess annually
Check for coverage options and rates every year as these can change.
Best West Virginia Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Erie is the top-rated company overall, while Westfield and GEICO are also good options for drivers in West Virginia.
Best Auto Insurance in West Virginia: FAQ
Your car insurance needs and preferences determine the right policy, so we've answered common questions to guide your coverage choice.
What is the best car insurance company in West Virginia?
Erie leads West Virginia for car insurance, offering full coverage premiums averaging $92 per month.
What is the best car insurance company for minimum coverage in West Virginia?
Westfield offers the most cost-effective minimum coverage in West Virginia, with average rates starting at $359 per year.
What is the best car insurance in West Virginia for young drivers?
Erie is the top choice for young adults in West Virginia, combining competitive rates at $818 annually for minimum coverage with excellent customer service.
What is the best car insurance for West Virginia drivers who value customer service?
Erie leads customer experience in West Virginia with a perfect 5 out of 5 score. The company excels in their purchase experience, agent interactions, digital tools and claims handling.
What is the best car insurance in West Virginia if you have driving offenses?
Erie leads the market for West Virginia drivers with violations, offering monthly rates of $39 for minimum coverage and $101 for full coverage policies.
How We Rated the Best Car Insurance in West Virginia
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in West Virginia. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within West Virginia. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on West Virginia-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.