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Car Insurance Cost Calculator
Estimate the Cost of Car Insurance for You.
MoneyGeeks's car insurance calculator will give you a ballpark estimate of your auto insurance cost - it's free, no personal information required, no spam.
Rates Updated:
Sep, 26, 2023
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As a West Virginia driver, you can use MoneyGeek’s car insurance calculator to get a quick estimate on your car insurance premium. It is also useful when benchmarking for low, average and high policy rates.
MoneyGeek also uncovered how insurers calculate car insurance premiums in West Virginia, analyzing different factors and how they influence car insurance rates. You can use our insights to understand why you pay around a certain amount with your driver profile.
West Virginia Car Insurance Calculator: How it Gets You an Instant, Free Estimate
On average, drivers in West Virginia spend 10–15 minutes entering personal and vehicle information before receiving a finalized car insurance quote from an insurance provider.
MoneyGeek’s West Virginia car insurance calculator estimates car insurance rates by month or year in an instant, considering driver’s age, driving record, vehicle type and coverage levels.
Our calculator’s data shows that in West Virginia, adding a teen driver, age of driver and coverage levels are the most influential factors when determining car insurance prices. However, the most impactful factor may vary depending on your driver profile.
The most affordable car insurance provider for you depends on various factors, but MoneyGeek’s car insurance calculator in West Virginia lists close estimates. Erie provides West Virginia’s cheapest car insurance for MoneyGeek’s default driver at around $316 per year.
Price means a lot, but you must consider other things too when purchasing car insurance; a company's customer service reputation and available coverages are also important.
Drivers can use MoneyGeek’s car insurance calculator to get an estimate of their premium. They can also check our sample drivers collection to find the cheapest car insurance in West Virginia.
MoneyGeek evaluated the average cost of car insurance in West Virginia to help drivers understand how their car insurance rates compare to others across the United States.
MoneyGeek ranked insurance companies that balance affordability and service quality for drivers looking for the best car insurance companies in West Virginia without concern over cost.
How Car Insurance Premiums are Calculated in West Virginia
Car insurance companies in West Virginia look at several factors when pricing insurance policies. They include age, driving record, credit score, coverage levels and car model.
MoneyGeek’s research shows adding a teen driver, age of driver and coverage levels have the strongest effect on car insurance rates in West Virginia. You see a 3.1x increase by adding a teen driver to your policy.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in West Virginia
West Virginia drivers who add a teen to their policy see a 3.1x increase in their car insurance rate. Teen drivers are riskier to insure due to their lack of driving experience, so it costs a great deal to include them on your policy.
How Much Age of Driver Matters in Calculating Car Insurance in West Virginia
Insurance companies in West Virginia consider a driver’s age a crucial factor when calculating insurance rates. For example, middle-aged drivers have more experience than young drivers, so they pay around 2.7x less for auto insurance.
How Much Coverage Levels Matters in Calculating Car Insurance in West Virginia
A driver’s coverage limits and deductible have a strong influence when calculating car insurance rates. A policy’s price usually goes up if it offers higher limits.
In West Virginia, the cheapest available insurance is a state minimum liability-only policy. Meanwhile, full coverage with 100/300/100 in liability limits and a $500 deductible is the priciest, costing around 2.2x more.
How Much Credit Score Matters in Calculating Car Insurance in West Virginia
Credit score does affect car insurance rates in West Virginia — on average, a poor credit score can cause rates to be 2.1x more than with a good credit score. That may be because drivers with poor credit scores could have failed to pay a bill in the past and went to collections or have a high level of debt.
How Much Car Model Matters in Calculating Car Insurance in West Virginia
In West Virginia, your car model impacts the cost of car insurance. Companies regard some models as riskier to insure due to their high value, expensive parts or repair costs. A driver can pay as much as 2x more for insurance depending on their car model.
How to Calculate How Much Car Insurance You Need in West Virginia
In West Virginia, the amount of coverage you purchase is one of the biggest factors that affects car insurance prices. Drivers who know how much car insurance they need in West Virginia can find the right balance between affordability and protection.
West Virginia requires drivers to have bodily injury liability insurance, property damage liability insurance, uninsured/underinsured motorist coverage and uninsured/underinsured motorist property damage coverage.
But, it’s important to assess if the minimum liability coverage is enough and consider buying more liability and comprehensive and collision coverage.
Understand West Virginia car insurance requirements
Look at West Virginia’s minimum car insurance requirements to know the baseline insurance you need to buy.
In West Virginia, a state minimum policy only covers up to $25,000 for bodily injury per person, with a total of $50,000 per accident. The state does not require comprehensive and collision insurance (full coverage), which covers damage or theft to your vehicle.
Consider Purchasing Additional Liability Insurance
You may need to purchase liability coverage limits above West Virginia’s minimum for added protection in the event of a major accident. You can buy a policy with $300,000 bodily injury liability coverage per accident for approximately $612 per year. In comparison, a minimum liability policy costs roughly $479 per year.
Decide whether or not to buy comprehensive and collision insurance
A full coverage policy includes comprehensive and collision coverage. It’s not necessary in West Virginia, but it’s important to evaluate whether you need to buy a full coverage policy. If you’re driving a leased or financed car, your lender may require it.
In West Virginia, the cost of adding comprehensive and collision coverage with a $1,000 deductible is $364 per year on average. Despite its added security, it doesn’t always make sense to pay hundreds of dollars for a full coverage policy if you’re insuring a car that’s only worth a few thousand dollars.
Consider buying additional protection besides these core coverages
Drivers in West Virginia have to buy uninsured and underinsured motorist coverage. Approximately 9.2% of drivers in West Virginia are uninsured, and this coverage pays for expenses from accidents with motorists who have insufficient or no insurance.
In addition, West Virginia drivers can buy medical payments coverage for added security against medical expenses from a vehicular crash.
Frequently Asked Questions About How Car Insurance is Calculated in West Virginia
To help drivers understand how insurers calculate insurance premiums in West Virginia, MoneyGeek answered some frequently asked questions about car insurance costs.
Methodology
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across West Virginia. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
