The Best Car Insurance in West Virginia for 2023

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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 more affordable 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 cars have modern equipment that’s easier to replace and less prone to damage. Drivers can also get discounts when they complete a defensive driving course or a driver's education course.

Additionally, military policyholders can get discounts if deployed in an emergency.

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Typically, adding a young driver to your policy can cause premiums to skyrocket — but State Farm keeps it affordable while maintaining great quality of service.

State Farm offers student-related discounts that can help make premiums more affordable for parents and young drivers.

For instance, you can qualify for a discount if you earn at least a B average, have a 3.0 GPA or are in the top 20% of your class. Taking an approved driver’s education course can also make you eligible to receive further discounts.

Furthermore, State Farm offers a distant student discount if a student under 25 travels to school and solely uses the car at home.

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Seniors' auto insurance premiums are often higher compared to other age groups. However, Erie Insurance charges a fair fee given the high quality of its service and track record of customer satisfaction. One of the best features of this insurance is the perfect score of 5 out of 5 in both claims and customer satisfaction categories.

As an option, Erie provides new car replacement coverage. This policy is sometimes called Auto Security since it compensates for replacing your vehicle. For example, if your new car is totaled, it will be replaced with the most recent model year if you've had it less than two years — or a model that’s two years newer if you've had it more than two years.

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State Farm’s policies are the best for drivers with a poor driving record, costing an average of $933 per year. It ranks first in claims and user satisfaction. Excellent customer service goes a long way when having to file a claim.

State Farm also offers additional roadside assistance, which can provide towing, locksmith, gas or oil and jump-start services. The roadside assistance coverage also pays for mechanical labor for up to one hour at the place of its breakdown. If 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.

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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 offers policyholders an array of attractive coverages and discounts, such as:

• Accident Forgiveness: 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, in rare cases, by adding it to your policy.
• Roadside Assistance: If you need to tow or unlock your vehicle, USAA’s additional roadside assistance coverage can help you in a pinch.
• New Vehicle Discount: You can get a discount if your car is less than three years old.
• Legacy Discount: If you’re under 25 and were previously part of a family member’s USAA policy and want to purchase your own, you’re eligible for a discount by being a legacy member.

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Allstate is an excellent option for drivers with new vehicles solely for their new car replacement coverage — something rarely found among other insurers within West Virginia. As a car’s value starts to depreciate as soon as you drive it off the lot, having this coverage can help lessen the sting if you get into a total loss accident soon after buying the car.

It’s a terrible scenario, but it’s possible to experience an accident shortly after purchasing a car. Allstate's new and better car replacement coverages give you peace of mind when purchasing a new vehicle. Eligible vehicles are two models years old or less. Otherwise, you may receive a check for the depreciated value.

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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 a road trip, there are exceptions wherein only the first 250 miles count per day.

SmartMiles has a base and variable rate (cost per mile). With a mileage-based variable, your monthly payment will vary as you drive more or fewer miles on your vehicle.

Nationwide SmartMiles is ideal for those who live and work downtown, remote work or own a second vehicle they rarely use.