Westfield leads West Virginia with the lowest rates, charging $30 monthly for minimum coverage and $95 for full coverage. Choosing Westfield saves drivers $25 per month (28%) below state averages. Get quotes from Erie, GEICO, State Farm and Allstate too.
Cheapest Car Insurance in West Virginia
Updated: August 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
Westfield Insurance, Erie Insurance and GEICO are the cheapest car insurance companies for most West Virginia drivers, with average savings of up to 28%.
Car insurance costs can be as low as $25 monthly for minimum coverage and $77 for full coverage policies on average in West Virginia.
To get the cheapest car insurance in West Virginia, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in West Virginia?
| Westfield Insurance | $30 | $95 | -28% |
| Erie Insurance | $36 | $92 | -27% |
| Geico | $42 | $92 | -23% |
| State Farm | $49 | $119 | -4% |
| Allstate | $76 | $142 | 24% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN WEST VIRGINIA
We've created additional guides below to help you in your search for the best and cheapest car insurance in West Virginia:
Best Car Insurance Rates by Category in West Virginia
Westfield offers the most affordable rates in West Virginia, leading in five out of our 10 driver categories, while Erie provides the cheapest coverage in three categories, particularly for young drivers and those with accidents. Find your specific rates in the table:
| Young Drivers | Erie Insurance | $68 |
| Adult Drivers | Westfield Insurance | $30 |
| Senior Drivers | Westfield Insurance | $43 |
| Drivers With An Accident | Erie Insurance | $45 |
| Drivers With A DUI | State Farm | $53 |
| Drivers With A Speeding Ticket | Erie Insurance | $39 |
| Drivers With Bad Credit | Westfield Insurance | $62 |
| Drivers With Low Income | Westfield Insurance | $40 |
| Drivers With Newer Cars | Geico | $51 |
| Drivers With Old Cars | Westfield Insurance | $29 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in West Virginia for You
The tables above show overall winners, but your cheapest option depends on your profile. Adult drivers with poor credit and an accident record who want 100/300/100 full coverage with a $1,000 deductible save most with Erie. Filter the table to match your situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | $231 | $2,771 | -33% |
| Westfield Insurance | $232 | $2,790 | -33% |
| Geico | $285 | $3,417 | -17% |
| Progressive | $324 | $3,883 | -6% |
| Farmers | $406 | $4,867 | 18% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in West Virginia by City
Where you live in West Virginia affects your rates based on local crime, accidents and traffic density. Westfield charges as little as $25 in Wiley Ford but Erie costs $48 in Lenore. Here are the cheapest providers for every West Virginia city:
Data filtered by:Results filtered by:
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City:Accoville
| Accoville | Erie Insurance | $42 | -27% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in West Virginia
Knowing what the cheapest companies are isn't all you need to know to save the most money on car insurance in West Virginia. Here are proven ways to save the most on auto insurance:
- 1
Compare Multiple Insurance Quotes
Get quotes from several insurance companies through different channels like insurance agents, company websites and comparison tools. Your rates can vary significantly depending on how you shop, so try multiple methods to find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring you have enough protection. Focus on getting the right balance of coverage for your situation and budget.
- 3
Consider Lower Coverage Amounts
Reducing your coverage level can lower your premium costs if you need to save money. Just make sure to evaluate your financial situation, driving habits and location before choosing lower limits.
- 4
Look for Insurance Discounts
Research average auto insurance costs and available discounts to benchmark potential savings. Check if you qualify for common discounts like bundling home and auto insurance or safe driver programs.
- 5
Explore Alternative Insurance Options
Look into pay-per-mile car insurance if you don't drive much, or try telematics programs that track driving habits for potential savings. Some car manufacturers also offer their own insurance programs with competitive rates.
- 6
Work on Your Risk Profile
Improve your credit score and maintain a clean driving record to qualify for lower insurance rates. Better risk factors lead to more affordable premiums across all types of insurance.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick a cheaper car to insure to save on coverage costs. Older vehicles with good safety ratings and lower repair costs typically have more affordable insurance rates.
Risks of Getting the Cheapest Car Insurance in West Virginia
West Virginia requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In West Virginia, average property damage claims hit $4,300, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
West Virginia gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, storms and severe weather that frequently hit West Virginia.
Bodily injury damage is more likely to be higher than the minimum limits
West Virginia's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims reached $20,000. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
West Virginia has a serious uninsured driver problem, with 14% of drivers lacking insurance according to the Insurance Research Council. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in West Virginia, according to National Insurance Crime Bureau statistics. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in West Virginia: Bottom Line
Westfield offers the lowest car insurance rates in West Virginia for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in West Virginia: FAQ
Below, we answer common questions about finding affordable car insurance coverage in West Virginia.
What are the cheapest car insurance companies in West Virginia?
Westfield provides the most affordable car insurance in West Virginia, with average annual rates of $359 for minimum coverage and $1,144 for full coverage. Erie, GEICO, State Farm and Allstate also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in West Virginia?
Erie provides the most affordable rates for young drivers in West Virginia, with monthly premiums starting at $68 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in West Virginia?
Senior drivers in West Virginia can find the most competitive rates with Westfield, offering policies for those 65 and older at an average of $43 per month for minimum coverage.
Who has the cheapest car insurance in West Virginia for bad credit?
Westfield provides the most affordable rates for bad-credit drivers in West Virginia, with monthly premiums averaging $62 for minimum coverage and $191 for full coverage.
Who has the cheapest car insurance in West Virginia with an accident?
Erie offers the most affordable car insurance rates for West Virginia drivers with an accident history, starting at $45 per month for minimum coverage.
Who has the cheapest car insurance in West Virginia with a DUI?
State Farm provides the cheapest car insurance after a DUI in West Virginia, with rates of $53 monthly for minimum coverage and $126 monthly for full coverage.
Who has the cheapest car insurance in West Virginia for those with a speeding ticket?
West Virginia drivers with a speeding ticket can find the lowest insurance rates with Erie, charging $39 monthly for minimum coverage and $101 for full coverage.
Should you buy the cheapest car insurance in West Virginia?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Westfield balances low prices with solid coverage options in West Virginia.
How We Found the Most Affordable Car Insurance in West Virginia
MoneyGeek collected auto insurance data from the West Virginia Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in West Virginia.
West Virginia Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in West Virginia
We compared car insurance companies in West Virginia that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in West Virginia.
The minimum coverage liability limits in West Virginia are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 16, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 16, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 16, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 16, 2025.