West Virginia Car Insurance Quotes: Compare State Farm, Erie and More

How do you know whether a certain car insurance quote in West Virginia is better than others? MoneyGeek compared quotes from the biggest providers in West Virginia, including State Farm, Erie and GEICO, to help you get started.

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Last Updated: 4/28/2022
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Getting a quote online should take no more than three minutes, and can be as quick as 60 seconds. MoneyGeek collected quotes for different driver profiles in West Virginia. The cheapest quotes cost around $410 per year, which is for a 40-year-old SUV driver with a clean record, excellent credit score and state minimum liability-only insurance policy.

The most expensive policy in West Virginia costs roughly $9,537 for a 20-year-old luxury sedan driver with full coverage insurance, a DUI and a poor credit score.

Car Insurance Quotes in West Virginia by Company

In West Virginia, State Farm, Erie and GEICO have the largest market share. MoneyGeek collected quotes from these providers as well as other major providers in the state for different driver profiles, including old and young drivers, those with poor or excellent credit and varying driving records.

If your top priority is to save money on car insurance, MoneyGeek’s guide on the cheapest car insurance in West Virginia might be a helpful resource.

If you want to know how other factors affect the cost, MoneyGeek’s guide to the average car insurance expenses in West Virginia may be what you’re looking for.

The costs of car insurance in West Virginia mentioned in this guide are estimates and might change after car insurance discounts apply.

Use our toggles to enter the driver characteristics that best fit you to compare car insurance quotes across the biggest insurers in West Virginia.

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Customize the toggles and get West Virginia car insurance quotes that fit your profile

State Farm Car Insurance Quotes in West Virginia

On average, State Farm charges approximately $805 per year for car insurance in West Virginia. The cheapest rate State Farm offers in this state costs roughly $334 per year and is a state minimum coverage for a 40-year-old SUV driver with a clean record and excellent credit score.

State Farm’s most expensive rate at an average of $5,043 per year is a full coverage policy for a 20-year-old luxury sedan driver with an accident record and poor credit score.

If you want to see how much a state minimum or full coverage policy costs for your profile, you can refer to MoneyGeek’s table below.

State Farm Car Insurance Quotes in West Virginia

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $409
  • 100/300/100 Comprehensive/Collision
    $829

Erie Car Insurance Quotes in West Virginia

The average car insurance quote from Erie in West Virginia is $698 per year. The most affordable rate this company offers in West Virginia is a state minimum policy which costs about $265 per year. This is an estimated cost for a 40-year-old driver with a clean record and excellent credit score driving an SUV.

The most expensive rate, on the other hand, is a full coverage policy for a 20-year-old luxury sedan driver with a DUI and poor credit, which costs $5,519 per year.

To get an estimated cost for your profile, you may refer to the table below for reference on how much you need to pay for a state minimum or full coverage policy.

Erie Car Insurance Quotes in West Virginia

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  • Coverage Level
    Erie Average Annual Quote
  • State Minimum Liability
    $324
  • 100/300/100 Comprehensive/Collision
    $720

GEICO Car Insurance Quotes in West Virginia

GEICO car insurance quotes in West Virginia average $879 per year. A 40-year-old SUV driver with a clean record and excellent credit score can get the company’s cheapest car insurance rates at $340 per year for a minimum liability policy.

A 19-year-old luxury sedan driver with full coverage, a DUI and a poor credit score pays the most expensive average car insurance rates from GEICO in this state, at $18,519 per year.

Using the table below, you can select the characteristics that match your profile and see how much a state minimum or full coverage policy costs.

GEICO Car Insurance Quotes in West Virginia

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  • Coverage Level
    GEICO Average Annual Quote
  • State Minimum Liability
    $416
  • 100/300/100 Comprehensive/Collision
    $906

Nationwide Car Insurance Quotes in West Virginia

Nationwide car insurance rates cost around $874 per year in West Virginia. If you are a 40-year-old driver who owns an SUV, with a clean record and excellent credit score, you may be able to get the cheapest state minimum policy rates at $365 per year.

Conversely, if you are a 19-year-old driver who drives a luxury sedan, with a DUI and poor credit score, you may pay much more expensive rates, averaging $7,235 per year.

You can select the characteristics that best match your profile in the table below. This will show how much a state minimum or full coverage car insurance plan costs.

Nationwide Car Insurance Quotes in West Virginia

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  • Coverage Level
    Nationwide Average Annual Quote
  • State Minimum Liability
    $447
  • 100/300/100 Comprehensive/Collision
    $901

Allstate Car Insurance Quotes in West Virginia

Allstate car insurance in West Virginia costs around $1,066 per year. A 40-year-old SUV driver with state minimum liability insurance, a clean record and an excellent credit score will have the cheapest rates at roughly $464 per year.

A 19-year-old luxury sedan driver with full coverage, a DUI and a poor credit score will have the most expensive rates at $7,621 per year on average.

To see how much a state minimum or full coverage policy costs for your profile, you can use MoneyGeek’s table below.

Allstate Car Insurance Quotes in West Virginia

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $567
  • 100/300/100 Comprehensive/Collision
    $1,098

Progressive Car Insurance Quotes in West Virginia

On average, West Virginia drivers pay around $1,123 per year if they get a car insurance policy from Progressive. The cheapest rate is a state minimum policy for a 40-year-old SUV driver with a clean record and excellent credit score. This policy costs roughly $621 per year.

The most expensive rate is a full coverage policy which costs $10,415 per year for a 20-year-old luxury sedan driver with an accident record and poor credit score.

See an estimate of your car insurance by selecting the characteristics that match your profile in the table below.

Progressive Car Insurance Quotes in West Virginia

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  • Coverage Level
    Progressive Average Annual Quote
  • State Minimum Liability
    $760
  • 100/300/100 Comprehensive/Collision
    $1,157

USAA Car Insurance Quotes in West Virginia

The average cost of car insurance from USAA in West Virginia is $622 per year. Keep in mind that USAA only sells insurance to military personnel and their families. The cheapest policies cost roughly $223 per year for 40-year-old drivers with clean records and excellent credit scores driving SUVs.

The most expensive policy costs $5,768 per year on average. This is offered to 19-year-old luxury sedan drivers purchasing full coverage with a DUI and poor credit score.

You can check your estimated rates for a state minimum policy or a full coverage policy by referring to the table below.

USAA Car Insurance Quotes in West Virginia

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $273
  • 100/300/100 Comprehensive/Collision
    $641

How to Get Free Car Insurance Quotes in West Virginia

A quote estimate tells you roughly how much you should be spending on car insurance. You can usually get an estimate as you do your own research, or by referring to the data compiled by MoneyGeek. You can also use our car insurance calculator for a more precise estimate.

If you want an exact figure for your specific driver profile, you should reach out to your chosen insurer(s) and ask for a quote.

Auto Insurance Calculator

State

West Virginia

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$269

2.

Erie

$316

3.

GEICO

$394

How to Get Car Insurance Quotes from Insurers in West Virginia

To get car insurance quotes from insurers in West Virginia, you can use online quote tools found on their websites or talk directly to an insurance broker. If you want an actual quote, know that it will also require you to provide your personal information and indicate how much car insurance you need. MoneyGeek breaks down the online quote process of each provider below, noting which ones have the fastest quoting processes.

Almost all insurers we reviewed produce quotes in two minutes or less, with Erie having the fastest process of one minute. A few companies were designated as having no online quote tool process, as MoneyGeek was not able to obtain a quote through their online tools.

How Fast Are Online Quote Tools in West Virginia?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • State Farm
    • ERIE INS GRP
    • BERKSHIRE HATHAWAY GRP
    • Nationwide
    • Allstate
    • Progressive
    • LIBERTY MUT GRP
  • No Online Quote Process

    • USAA
    • WESTFIELD GRP
    • Hartford

State Farm Car Insurance Quote Tools in West Virginia

State Farm’s online quote process gave us a quote for our sample driver in under two minutes. You can select from multiple packages, each with varying levels of coverage. You can further customize the policy according to your coverage needs. State Farm also offers the option to pay monthly or every six months.

Erie Car Insurance Quote Tools in West Virginia

Erie Insurance’s online quote tool provided us with an estimated quote in as little as just one minute! It shows estimated monthly or annual premiums, which are customizable based on how much coverage you need. The final quote page includes a cost breakdown so you can get a sense of how much a certain coverage costs.

GEICO Car Insurance Quote Tools in West Virginia

GEICO has an online quote tool which provides our sample driver an estimated quote within three minutes. At the final quote page, you can tweak the coverage level based on your preferred amount. After doing so, it shows an updated price according to your newly selected coverage level.

Nationwide Car Insurance Quote Tools in West Virginia

On average, it takes about two minutes to get an estimated quote from Nationwide’s quote tool. The tool allows you to modify your coverage levels. You can immediately see the changes in prices since the tool adjusts them automatically.

Allstate Car Insurance Quote Tools in West Virginia

Allstate has an online quote tool that provides an estimate within two minutes. The tool also offers discounts to help lower your premiums. If you need to modify your coverage, the tool lets you adjust coverage levels, showing how the prices change in real-time.

Progressive Car Insurance Quote Tools in West Virginia

Progressive’s quote tool provides an estimate within about two minutes. It lets you see estimated premiums for your profile. After getting the initial quote, it shows the difference in rates if you change coverage levels. Discounts may also apply if you choose to bundle with other types of insurance or opt for paperless billing.

Liberty Mutual Car Insurance Quote Tools in West Virginia

Liberty Mutual’s tool provides an estimate in as fast as two minutes. The default package selected at the final quote page is the cheapest amount. However, the tool allows you to change your coverage and see a summary of the applied discounts.

USAA Car Insurance Quote Tools in West Virginia

USAA’s online quote tool requires an initial membership search before you can proceed. Hence, MoneyGeek was not able to obtain an estimate using this tool.

Westfield Car Insurance Quote Tools in West Virginia

Westfield Insurance does not have an online quote tool. The best way to obtain a quote is by reaching out to one of their agents through their agent locator tool on the site.

The Hartford Car Insurance Quote Tools in West Virginia

The Hartford has an online quote tool available. But MoneyGeek was unable to obtain a quote due to an error on the insurer’s website. You might need to contact a Hartford agent to get an estimate.

FAQ About Car Insurance Quotes in West Virginia

Getting an online insurance quote in West Virginia is an easy process. Understanding the answers to some of the common questions about getting a car insurance quote in West Virginia can help you find the best policy for your needs.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.