The Best Car Insurance in West Virginia for 2022
The best auto insurance companies in West Virginia satisfy three factors: customer satisfaction, affordability and financial stability. GEICO is considered the best in West Virginia, ranking first in customer satisfaction and claims, and finished third for affordability.
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Although GEICO ranks as the top car insurance company in West Virginia in our survey, the insurer that works best for you depends on what you’re looking for. To address different needs, MoneyGeek examined the best insurance providers in West Virginia for drivers on a budget, drivers with a bad driving record, drivers who value customer service and more.
The Best Car Insurance in West Virginia
Best Car Insurance Companies in West Virginia: Overall
To find the best overall insurance provider, insurers in West Virginia were scored based on three criteria: average rates, claims ratings and user satisfaction.
Using this framework, the best car insurance companies in West Virginia are:
- GEICO: MoneyGeek score of 4.9 out of 5
- State Farm: MoneyGeek score of 4.1 out of 5
This analysis excluded USAA as it is only available for military members, but MoneyGeek still gives it a score of 5, making it the best auto insurance in West Virginia for active duty military, veterans and their families.
The Top 5 Car Insurance Companies in West Virginia
GEICO ranks first in claims and customer satisfaction, with their policies in West Virginia costing an average of $879 per year. Unlike most providers, they offer mechanical breakdown insurance (MBI), a cheaper coverage compared to the typical dealer extended warranty.
GEICO’s mechanical breakdown insurance (MBI) is an add-on rarely found amongst insurance providers. It’s cheaper than your dealer’s extended warranty and covers all parts and systems, not just a set from a specific list.Read MoneyGeek's GEICO auto Insurance Review
With annual premiums costing an average of $805, State Farm ranks first in affordability, tying for first in claims and earning second place in customer satisfaction. The company offers ridesharing insurance, a custom coverage for policyholders who work with ridesharing companies.
For drivers working with a ridesharing company, State Farm’s ridesharing insurance ensures that your medical, emergency roadside assistance and rental car reimbursement coverage still remains in effect when you’re on the job. If you get this add on, all other coverages you have in your personal auto policy except for liability insurance will kick in if you’re available for hire or transporting a rider.Read MoneyGeek's State Farm auto Insurance Review
Nationwide’s policies in West Virginia average $874 per year, with the company tying first in claims, ranking second in affordability and third in customer satisfaction. Identity theft victims can benefit from their unique identity theft coverage.
Nationwide has a number of uncommon add-on coverages not found in other insurers. Their identity theft expense reimbursement can pay up to $25,000 in expenses. They also offer a total loss deductible waiver, which can pay for the deductible of your comprehensive or collision coverage if your car is declared a total loss after an accident.Read MoneyGeek's Nationwide auto Insurance Review
In West Virginia, Progressive’s policies cost an average of $1,123 per year. The company ties for first in claims, third in satisfaction and ranks last in affordability.
Progressive’s custom parts and equipment (CPE) coverage is their unique add-on offer to policyholders, which can repair or replace added items to a car such as custom wheels or a navigation system up to the limit of $5,000. They also offer ridesharing insurance, which can help pay for damages or injuries while you’re waiting for a new rider.Read MoneyGeek's Progressive auto Insurance Review
Allstate ties for third in customer satisfaction, ranks second in claims and fourth in affordability, with their policies costing an average of $1,066 per year.
The portable electronics and media coverage add-on from Allstate can pay for the loss of any media devices used for an entertainment system. They also offer custom parts coverage that protect custom equipment, such as special carpeting or decals, caused by a comprehensive or collision type loss.Read MoneyGeek's Allstate auto Insurance Review
To collect full coverage policy quotes across insurers in West Virginia, MoneyGeek used a sample driver’s profile — but note that average rates can change based on your background. Additionally, claims ratings and user satisfaction were taken from J.D. Power and NAIC.
If you want to learn more about the sample driver profiles, policies and assumptions, take a look at MoneyGeek’s methodology.
MoneyGeek's West Virginia Car Insurance Resources:
Compare the Best Insurance Options in West Virginia
Finding the best car insurance companies in West Virginia requires looking at the cost, quality of service and financial stability of the company. However, what is truly best for you will depend on your needs and whether the insurer offers coverages that can suit your lifestyle.
MoneyGeek compared the best companies in West Virginia one-on-one to help you find which insurer works best for you.
Car Insurance Comparison Tool
Best Car Insurance in West Virginia for Customer Service
For drivers in West Virginia who value quality of service, MoneyGeek examined insurers in the state based on two factors: claims ratings and user satisfaction.
The top car insurance companies in West Virginia with regards to quality of service are:
- New Jersey Manufacturers: MoneyGeek score of 4.9 out of 5
- GEICO: MoneyGeek score of 4.3 out of 5
Note that in this ranking, MoneyGeek did not consider the cost of these insurers' policies. However, GEICO is known to be the second most affordable insurer in West Virginia.
The Top 2 Car Insurance Companies in West Virginia for Service Quality
In West Virginia, New Jersey Manufacturers, also known as NJM Insurance Co., ranks first in both claims and satisfaction, getting a score of 5 out of 5 in both criteria.
Policyholders in West Virginia that work with ridesharing companies can add NJM Insurance Co.’s TNC rideshare endorsement coverage. This fills in the gap in coverage between the TNC’s insurance coverage and the driver’s personal policy depending on if the driver was currently hired or on standby when the accident happened, as well as the additional coverage the driver has.Read MoneyGeek's New Jersey Manufacturers auto Insurance Review
An affordable option, GEICO ranks second in claims and customer satisfaction in West Virginia.
GEICO offers a unique accident forgiveness add-on that protects you from increased premiums after your first at-fault accident. This can be earned if you’re over 21 years old and if you remained accident-free for five years or more.Read MoneyGeek's GEICO auto Insurance Review
Best Car Insurance in West Virginia for Drivers on a Budget
If quality of service is not your first priority and you’re simply looking for the cheapest policy following West Virginia’s minimum limits, MoneyGeek found these are the best insurers:
- GEICO: MoneyGeek score of 4.2 out of 5
- State Farm: MoneyGeek score of 4 out of 5
Insurers in West Virginia were ranked based on how well they can balance affordability for a minimum coverage policy with customer service.
MoneyGeek’s Pick: GEICO
Minimum coverage policies at an affordable rate of an average of $879 per year
Easily achievable discounts if you bundle policies, insure more than one car or simply wear your seatbelt religiously
No discounts for paying in full or going paperless, which are common amongst other providers
Drivers in West Virginia can easily get discounts on their premiums from GEICO to make it even cheaper. For instance, you can bundle your auto insurance policy with renters or home insurance to get overall cheaper premiums. If you have remained accident-free for at least five years, you can also get a discount for safe driving.
GEICO also offers discounts if you have airbags and/or an anti-theft system installed, which is common in most modern cars. Purchasing and insuring a newly-bought vehicle also gets you a discount, as new vehicles have modern equipment that’s easier to replace and less prone to damage.
Best Car Insurance in West Virginia for Poor Driving Records
Having a bad driving record in West Virginia can make searching for a provider difficult, as auto insurance after an accident is guaranteed to be more expensive. MoneyGeek identified the best insurance providers in West Virginia that balance both affordability after an accident and customer service.
The best auto insurance companies in West Virginia based on these criteria are:
- State Farm: MoneyGeek score of 4.3 out of 5
- GEICO: MoneyGeek score of 4 out of 5
MoneyGeek’s Pick: State Farm
Full coverage policy at an affordable rate of $805 per year
Offers roadside assistance and rental car reimbursement
Does not offer accident forgiveness, new car replacement, or better car replacement
State Farm’s policies are the best for drivers who have a poor driving record, costing an average of $805 per year. They also have great quality of service even if you have a poor driving record, ranking first in West Virginia for claims and user satisfaction.
State Farm also offers additional roadside assistance, which can offer towing, locksmith, gas or oil and jumpstart services in case you need it. In the event your vehicle is unavailable for use, you can benefit from their rental car reimbursement coverage. This can help you pay for the cost to rent a car while repairs are underway so you can get where you need to go without delay.
Best Car Insurance in West Virginia for a Military Background
MoneyGeek’s study found that USAA is the best auto insurance company in West Virginia for active-duty or veteran military members, scoring 5 out of 5 across all categories. Their state-minimum policy costs an average of $265 per year, while their full coverage policies average $622 per year.
MoneyGeek’s Pick: USAA
Has affordable full coverage policies for poor drivers at $622 per year
Offers accident forgiveness after remaining accident-free for five years
Gives a military discount on comprehensive insurance premiums if you store your vehicle on base
Only military families are eligible for their services
USAA’s services are exemplary in West Virginia, making it one of the best options for those who are eligible for it. Not only do they offer affordable policies, but they are also well-known for their stellar quality of service across the country.
USAA also offers policyholders an array of attractive coverages and discounts, such as:
- Accident forgiveness coverage - This coverage ensures your first at-fault accident does not affect your premiums. You can earn this coverage by remaining accident-free for five years or add it to your policy.
- Roadside assistance coverage - In case you need to tow or unlock your vehicle, USAA’s additional roadside assistance coverage can help you in a pinch.
- New vehicle discount - Get a discount if your car is less than three years old.
- Legacy discount - If you’re under 25 and you were previously part of a family member’s USAA policy and want to purchase your own, you get a discount for being a legacy.
Best Car Insurance in West Virginia for Young Drivers and Students
Balancing both affordability for young drivers and customer service, these providers are the best option for teen drivers in West Virginia:
- State Farm: MoneyGeek score of 4.4 out of 5
- Nationwide: MoneyGeek score of 4.1 out of 5
MoneyGeek’s Pick: State Farm
Offers the most affordable policies for young drivers with a policy average of $1,721 per year
Gives discounts for being a good student or distant student and completing driver’s education
Some safe-driving discounts for younger drivers are only available with additional training
Typically, adding a young driver to your policy can cause premiums to skyrocket — but State Farm keeps it affordable while still maintaining great quality of service.
State Farm offers student-related discounts that can help make premiums more affordable for both the parents and the young driver. For instance, if you earn a B average, 3.0 GPA or are in the top 20% of the class rank, you can qualify for a discount. Taking an approved driver’s education course can also make you eligible to receive further discounts.
Best Car Insurance in West Virginia for Those With New Cars
For drivers who recently purchased a new vehicle, MoneyGeek evaluated providers in West Virginia that offer new car replacement or better car replacement coverage.
If your car is declared a total loss, new car replacement coverage pays for the value of a new vehicle of the same make and model, while better car replacement pays for a newer model. Adding this coverage can increase your premiums, but it’s worth it if you're insuring a brand new vehicle.
MoneyGeek’s Pick: Allstate
Offers new car replacement coverage and completely replaces your car if it’s a total loss and two model years old or less
Has relatively expensive premiums at an average $1,066 per year
Does not offer better car replacement coverage
Allstate is a great option for drivers with new vehicles solely for their new car replacement coverage — something rarely found in other insurers within West Virginia. As a car’s value starts to depreciate as soon as you drive off the lot, having this coverage can help lessen the sting if you get into a total loss accident soon after buying a car.
If you get the new car replacement coverage from Allstate, they will completely replace your car with a new model if your car is two model years old or less. Otherwise, they will give you a check for the depreciated value.
Best Car Insurance in West Virginia for Low-Mileage Drivers
Not every driver meets the average annual miles per year of 14,263 — which is why MoneyGeek’s study identified the best car insurance companies in West Virginia that offer pay-per-mile insurance for low-mileage drivers. Within West Virginia, Nationwide’s SmartMiles program is the top-ranking option for infrequent drivers.
MoneyGeek’s Pick: Nationwide
Nationwide’s SmartMiles program is the most affordable pay-per-mile insurance in the state for drivers with low mileage
Not an ideal option for those who drive regularly as it can be more expensive than traditional insurance
Nationwide offers its Nationwide SmartMiles program to West Virginia drivers with low-mileage. Rates are calculated using a base rate and a variable rate that changes based on how many miles you drive. This program also has a behavioral aspect, where you can get a discount of up to 10% for safe driving. If you’re planning to have a road trip, there are exceptions wherein only the first 250 miles count per day.
How to Find the Best Car Insurance in West Virginia in For You
To find the best auto insurance company in West Virginia, drivers need to base their decisions on how well a company can balance three factors: cost, quality of service and financial stability. MoneyGeek collected and analyzed data in West Virginia to help drivers spend less time on research, but you can compare options yourself in case you have additional criteria to consider.
Research Customer Service Reputations in West Virginia
MoneyGeek’s study based customer satisfaction ratings off of J.D. Power satisfaction scores and NAIC complaint ratios in West Virginia. Aside from taking a look at the evaluations from these organizations to find the best provider that meets your needs, you can also take a look at West Virginia’s insurance site to see if they have any recommendations.
Compare Quotes for Yourself
The auto insurance quotes MoneyGeek collected are based on sample drivers that can apply to most of West Virginia, but your situation can still change your rates. To find the most affordable insurance policy for you, make sure to collect and compare at least three quotes to get a good idea of how much you should pay.
Make Sure the Company Has Coverages You Want in West Virginia
Insurers may not always offer your desired coverage or discount in your state, which is why you should always call ahead and inquire about the coverage you want before applying for auto insurance.
Double-Check Financial Stability Ratings
The financial strength or stability of an insurer is what determines how well they can pay you when you need it. Large insurance providers like GEICO or State Farm are typically stronger financially, while regional insurance companies in West Virginia may have lower stability scores. The lower the rating, the less likely you will be able to process your claims in an efficient manner.
FAQs About the Best Car Insurance in West Virginia
While the best car insurance in West Virginia ultimately depends on what you’re looking for, MoneyGeek has answered a few commonly asked questions about auto insurance within the state.
Auto insurance costs in West Virginia were gathered in collaboration with Quadrant Information Services using a sample driver and policy. The sample driver was a 40-year-old male residing in West Virginia who had a clean driving record and a 2010 Toyota Camry LE. All policy costs were based on a full coverage policy with 100/300/100 in limits and a $1,000 deductible.
Scores for customer satisfaction, claims satisfaction and financial strength were determined based on industry-leading evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). Discounts and coverages mentioned were taken directly from each insurance company’s site or their quote tools.
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