BestCar InsuranceWest VirginiaBest Car Insurance in West Virginia (May 2023)
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Erie tops the list of best car insurance companies in West Virginia for full and minimum coverage, drivers with offenses, seniors and young adults.
Westfield is best for those who prefer excellent customer service. New car owners may do best with Allstate, while USAA is number one for military members.
MoneyGeek also lists the most affordable car insurance for West Virginians if cost is your main concern.
BestCar InsuranceWest VirginiaBest Car Insurance in West Virginia
Best Overall - Erie
Best for Service - Westfield
Best for Minimum Coverage - Erie
Best for Young Adults - Erie
Best for Seniors - Erie
Best for Driving Offenses - Erie
Best for New Cars - Allstate
Best for Military - USAA
Best Overall for Car Insurance in West Virginia
Erie is the best overall car insurance in West Virginia. It offers the most affordable premiums with good customer service, financial stability and claims experience.
Here are our top two picks for the best car insurance in West Virginia:
- Erie: MoneyGeek score of 92 out of 100 ($784 per year)
- Westfield: MoneyGeek score of 87 out of 100 ($1,021 per year)
Westfield ranks second in this category but outshines Erie in coverage. We also looked for the cheapest car insurance for full coverage if you want the most affordable insurance policy.
1
ErieBest Overall
Score:93
If you're looking for the best car insurance for affordability and customer experience, Erie may be for you. It charges an annual premium of $784 for full coverage.
More About Erie
Erie Insurance is a highly-rated car insurance company offering a wide range of coverage options in West Virginia. With excellent customer service and affordable rates, Erie Insurance is one of the state's best car insurance providers.
This company offers a broad range of coverages. These include rental car or travel reimbursement, accident forgiveness and rideshare insurance.
Erie’s rental car/travel reimbursement ensures you have transportation while your car is being repaired after an accident. If you’ve been with Erie for three years without any claims, you won’t be charged for the first accident in which you are at fault. But, this doesn’t apply if you have the ERIE Rate Lock® feature.
The provider also offers pet coverage, personal property insurance, better car replacement and glass deductible modification.
2
Erie
Score:93
If you're looking for the best car insurance for affordability and customer experience, Erie may be for you. It charges an annual premium of $784 for full coverage.
More About Erie
Erie Insurance is a highly-rated car insurance company offering a wide range of coverage options in West Virginia. With excellent customer service and affordable rates, Erie Insurance is one of the state's best car insurance providers.
This company offers a broad range of coverages. These include rental car or travel reimbursement, accident forgiveness and rideshare insurance.
Erie’s rental car/travel reimbursement ensures you have transportation while your car is being repaired after an accident. If you’ve been with Erie for three years without any claims, you won’t be charged for the first accident in which you are at fault. But, this doesn’t apply if you have the ERIE Rate Lock® feature.
The provider also offers pet coverage, personal property insurance, better car replacement and glass deductible modification.
3
Westfield
Score:90
Westfield is the second-best full coverage car insurance in West Virginia. However, though its customer service is well-rated, the premiums are higher at $1,021 annually.
More About Westfield
Westfield is a reputable provider with comprehensive car insurance coverage in West Virginia. With many coverage options and discounts, Westfield is an excellent choice for drivers seeking reliable and affordable car insurance. Those protections include rental car/travel reimbursement, roadside assistance, gap insurance and a coverage package.
Roadside assistance is often considered essential as it helps stranded drivers. Westfield's assistance covers the expenses for towing or servicing.
Westfield’s "coverage package" bundles home and car insurance with a Wespak® policy. This gives you features like loan, trip protection and replacement cost coverages.
4
Westfield
Score:90
Westfield is the second-best full coverage car insurance in West Virginia. However, though its customer service is well-rated, the premiums are higher at $1,021 annually.
More About Westfield
Westfield is a reputable provider with comprehensive car insurance coverage in West Virginia. With many coverage options and discounts, Westfield is an excellent choice for drivers seeking reliable and affordable car insurance. Those protections include rental car/travel reimbursement, roadside assistance, gap insurance and a coverage package.
Roadside assistance is often considered essential as it helps stranded drivers. Westfield's assistance covers the expenses for towing or servicing.
Westfield’s "coverage package" bundles home and car insurance with a Wespak® policy. This gives you features like loan, trip protection and replacement cost coverages.
How the Best Insurers in West Virginia Rank: MoneyGeek Scores and Costs
An insurance provider only qualifies for a MoneyGeek score if it provides information for all scoring components.
After eliminating those who don’t qualify, MoneyGeek reviewed seven West Virginia insurance providers and found Erie outshines the others. This is because it balances affordability, customer service and claims management.
Westfield outperforms Erie in coverage, though.
A few good alternatives are State Farm, GEICO and Nationwide. But, these may charge you higher premiums.
Best Car Insurance in West Virginia for Customer Service
If service quality and customer satisfaction are most important regarding car insurance, Westfield is the top provider in West Virginia.
West Virginia's best car insurance for customer service are:
- Westfield: MoneyGeek score of 91 out of 100 ($1,021 per year)
- Erie: MoneyGeek score of 91 out of 100 ($784 per year)
Both insurers provide good insurance, but Westfield beat out Erie in this category, even with the higher cost.
pros
High customer satisfaction
Roadside assistance
Gap insurance
cons
Higher cost
COMPANY HIGHLIGHTS
MoneyGeek identified Westfield as the best insurance provider for customer service in West Virginia.
Not only did Westfield score high in customer satisfaction, but it also did well in coverage. It has gap insurance, roadside assistance, rental car/travel reimbursement and a Wespak® coverage package.
Gap insurance coverage is an add-on to your car insurance policy. It covers what you owe on your car if it's totaled. Roadside assistance covers trouble encountered while driving. And their Wespak® bundles home and auto, sprinkling some benefits on top.
What Makes an Insurer the Best for Customer Service?
Car insurance companies are best in customer service when they prioritize your satisfaction and experience. Specifically, they:
- Respond to your questions and concerns in short order
- Efficiently and respectfully help you when problems arise
- Quickly pay for approved claims
MoneyGeek's research names Westfield as the best West Virginia insurance company for excellent customer service.
Best Car Insurance in West Virginia for Minimum Coverage
MoneyGeek identifies Erie as West Virginia’s best minimum coverage auto insurance provider. Minimum coverage means your plan meets the state’s basic car insurance requirements. Our top picks for the top minimum coverage providers are:
- Erie: MoneyGeek score of 95 out of 100 ($303 per year)
- Westfield: MoneyGeek score of 93 out of 100 ($349 per year)
Erie provides the least expensive minimum coverage insurance premiums in the state.
An insurance policy with minimum coverage is the cheapest option for most drivers but gives you the least protection. For example, it won't cover damages to your vehicle.
pros
Most affordable premium at $303 per year
Personal property insurance
Better car replacement coverage
Homing device discount
Bundling discount
cons
Low coverage score
Average claims management
COMPANY HIGHLIGHTS
MoneyGeek determined Erie is the best car insurance for minimum coverage in West Virginia. It's also the most affordable insurer at $303 for an annual premium.
It offers discounts for bundling, safe driving, defensive driving and paying in full. Erie also provides unique discounts for having a homing device, VIN etching, safe young driver and daytime running lights (DRL).
Drivers with electronic tracking devices may qualify for prizes. You could be eligible for a discount if you get your VIN etched on your windshield to dissuade thieves. Young safe driver discounts apply to unmarried drivers under 21 who live with their parents. Lastly, if your car has factory-installed DRLs, you may qualify for a discount.
Erie offers unique coverages like glass deductible modification, personal property insurance, pet coverage and better car replacement.
What Makes an Insurer the Best for Minimum Coverage?
An excellent minimum coverage policy has an affordable rate for the coverage limits set by the state. In addition, Discounts may help lower your insurance premiums further.
Erie meets all the requirements for an excellent minimum coverage insurance policy for West Virginians. It’s affordable, provides good customer service, and manages claims well.
Best Car Insurance in West Virginia for Young Adults
The best car insurance in West Virginia for young adults is Erie. It balances affordability, claims satisfaction, customer experience and stability while keeping this age group in mind.
Our top picks for West Virginia car insurance for young adults are:
- Erie: MoneyGeek score of 85 out of 100 ($962 per year)
- GEICO: MoneyGeek score of 86 out of 100 ($1,093 per year)
Though drivers in their 20s generally pay less than those in their teens, they may not have reached the lowest rates based on age. So, comparing quotes to find the cheapest car insurance for young drivers in West Virginia may be worthwhile.
pros
Young safe driver discount
Accident forgiveness
New car replacement
Gap insurance
Defensive driving discount
cons
Low coverage score
COMPANY HIGHLIGHTS
Erie is hailed as the best car insurance for young adults in West Virginia. It offers an annual premium of $962, making it the most affordable insurer in the state.
Young adults can enjoy different discounts from Erie. For instance, you can qualify if you’re unmarried, under 21, and living with your parents. In addition, if you finish a defensive driving course in the state, you could get a discount.
Other discounts include automatic payments, safe driving, bundling, installing a homing device and having DRLs.
Erie offers accident forgiveness, an essential for young adults since they're considered high-risk drivers. It also has gap insurance, new and better car replacement and rideshare insurance.
However, Erie doesn’t have roadside assistance, a common feature of insurance plans that can come in handy if there’s an incident on the road.
What Makes an Insurer the Best for Young Adults?
Insurance companies charge higher premiums for teens and young adults. However, a good insurance policy balances affordability, discounts, broad coverages and good customer service.
Various insurers offer discounts for young drivers who are 25 and under. However, MoneyGeek chose Erie as the best insurer because it meets the above good insurance policy standards.
Best Car Insurance in West Virginia for Seniors
For West Virginia’s seniors, Erie is the best car insurance. It's the most affordable, has good customer service and is financially stable.
Our top picks for car insurers for West Virginia seniors include:
- Erie: MoneyGeek score of 92 out of 100 ($773 per year)
- Westfield: MoneyGeek score of 88 out of 100 ($951 per year)
Erie offers the cheapest car insurance for seniors in the state. Usually, drivers in their 60s pay the same premiums as drivers in their 30s and 50s. But when they reach their 70s, insurance premiums often increase.
Looking for other car insurance providers helps you find the cheapest car insurance policy for seniors.
pros
Most affordable
Good customer service
Senior driver discount
Accident forgiveness
cons
Average claims satisfaction rating
COMPANY HIGHLIGHTS
Erie is one of the best car insurance options for senior drivers in West Virginia. It provides tailored coverage to meet the needs of older drivers.
The company offers the cheapest insurance premiums over seven other companies in the state. The annual premium is $773.
This insurer offers essential coverage like accident forgiveness, rental car/travel reimbursement and rideshare insurance. Erie also provides unique coverages, like better car replacement, personal property insurance and pet coverage.
Erie's physical damage coverage includes up to $350 in coverage for personal belongings left inside a car in the event of a loss.
Discounts help lower your insurance premiums. For example, Erie offers a senior driver discount. Other deals include bundling, defensive driving, paying in full, automatic payments, homing device and daytime running lights.
What Makes an Insurer the Best for Seniors?
Seniors are generally the safest drivers on the road. But their age makes them more prone to injuries after an accident.
Good insurance companies for seniors must have full coverage policies and personal injury protection (PIP). PIP pays for medical expenses in case something happens.
Erie offers the cheapest full coverage car insurance for seniors in West Virginia and several discount tiers you may qualify for.
Best Car Insurance in West Virginia for Drivers With Offenses
Drivers can inevitably incur some offenses while on the road. Those offenses could be a speeding ticket, at-fault accident or DUI. West Virginia drivers with either of these offenses do best with Erie.
MoneyGeek chooses these two top insurers:
- Erie: MoneyGeek score of 95 out of 100 ($1,002 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($1,009 per year)
Erie tops the list of the best car insurance providers for drivers with offenses in West Virginia. Drivers must look for the cheapest insurance policy after an incident.
The average annual rates for West Virginia drivers with speeding tickets are $943, $1,141 for at-fault accidents and $1,302 for DUIs.
pros
Most affordable
Accident forgiveness
Personal property insurance
Good customer service
cons
Average claims management rating
COMPANY HIGHLIGHTS
Erie offers a range of coverage options and discounts to benefit drivers with offenses in West Virginia. You can expect affordable rates, good customer service and financial stability from this insurer.
The company’s coverages include accident forgiveness, gap, rideshare, personal property and better car replacement insurance. It also offers rental car/travel reimbursement.
If a car is totaled, Erie's Lease Loan Protection can cover its auto loan balance (excluding carry-overs) if the vehicle is 24 months or older. Also, after being claim-free for three years with this insurer, your first at-fault accident won't result in a surcharge. However, this isn’t applicable with the ERIE Rate Lock® feature.
Erie also offers discounts to help lower your insurance premiums further. For example, you can qualify for discounts if you bundle your insurance, insure multiple cars, install an anti-theft system and a homing device or have DRLs.
What Makes an Insurer the Best for Drivers With Offenses?
Like teen drivers, drivers with offenses are considered high-risk, so they pay more for insurance. However, a good insurance provider offers competitive rates, discounts, and coverages like roadside assistance, accident forgiveness and car replacement.
Erie offers most of these coverages at an affordable rate. Shopping around helps you find the cheapest insurance policy meeting your needs and preferences.
Best Car Insurance in West Virginia for Drivers With New Cars
Allstate is the best insurance for West Virginian drivers with new cars, particularly because it offers new and better car replacement.
As the only provider in West Virginia with special protection for new cars, it earned a MoneyGeek score of 88 out of 100. Its annual premium costs $1,962 for full coverage.
New car replacement coverage is a must for drivers with recently-purchased vehicles. If your car gets totaled in a covered accident, Allstate replaces it.
Allstate also offers better car replacement, which means you get a newer car than your current one.
pros
New car replacement
Accident coverage
Most affordable in this category
Roadside assistance
cons
Low claims satisfaction rating
Average customer satisfaction rating
COMPANY HIGHLIGHTS
Allstate is the best car insurance for West Virginia drivers with new cars. It costs $1,962 a year for full coverage. Beyond new car insurance, Allstate offers rare coverages like antique car, custom parts and sound system coverage.
Drivers with new cars may prefer Allstate because it offers new car replacements. This coverage replaces your vehicle with a new one if it’s two model years old or less rather than cutting you a check for the depreciated value.
You may also qualify for other discounts like paperless billing, bundling, safe driving and automatic payments.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars in West Virginia can find the right insurance provider for protection and security. Looking for an insurance company offering new or better car replacement coverage is best.
Some insurance companies offer discounts for new cars, paperless billing, bundling and safe driving.
Best Car Insurance in West Virginia for Military Drivers
USAA is the best car insurance in West Virginia for military drivers, with a MoneyGeek score of 94 out of 100. Its annual premium costs $618 for full coverage.
It's exclusive to current and former military members and their families.
pros
High customer satisfaction rating
Most affordable
Roadside assistance
Rideshare insurance
Accident forgiveness
cons
Low claims management rating
Limited coverages
COMPANY HIGHLIGHTS
USAA is the best insurer for military drivers in West Virginia. It scored highly in affordability, customer service and financial stability. The annual cost for a full coverage policy is $618.
This insurer offers rental car/travel reimbursement, roadside assistance, accident forgiveness and rideshare insurance. If you remain accident-free for five years at USAA, a car policy surcharge won't be assessed for the first at-fault accident.
USAA also offers bundling, loyalty, new vehicle, and vehicle storage discounts.
How to Find the Best Car Insurance in West Virginia for You
To find the best car insurance in West Virginia, look at affordability, customer service and financial stability. MoneyGeek gathered data and quotes to help you find the most suitable insurance company for you.
Here are some steps to help you with your research:
1
Research customer service reputations in West Virginia
MoneyGeek reviewed customer service ratings of the top insurance providers in West Virginia. We used data from the study conducted by J.D. Power and the NAIC customer complaint index.
These independent and renowned agencies give crucial information about an insurer’s service record. Visit the West Virginia Department of Insurance website to learn more.
2
Compare quotes
MoneyGeek used quotes to demonstrate the average rates for sample drivers in West Virginia. These quotes may change when factoring in your unique details and what vehicle you have.
Shopping for personalized quotes from at least three insurance providers should give you an insight into how much insurance policies cost in your area.
3
Find the coverages you want in West Virginia
Various insurance companies offer different state-specific coverages and discounts. These are usually advertised and promoted on their websites.
Before choosing a specific insurer, it’s best to clarify and confirm with the insurance company about the information you saw and their offerings on the website.
4
Check financial stability ratings
The financial stability of an insurance company can reassures of its performance and how they respond to file claims.
Generally, most insurance providers have little chance of bankruptcy or inability to pay claims. Yet, it’s best to review the details, especially if considering a regional company or a smaller provider.
Regional insurance companies may have lower scores in financial stability and claims management.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in West Virginia
The best car insurance in West Virginia depends on your needs and preferences. Here, MoneyGeek answers the most commonly asked questions to help you decide what's best for you.
About Mark Fitzpatrick
