Cheapest Car Insurance in West Virginia

The average cost of car insurance in West Virginia is $53 for minimum coverage and $111 for full coverage, but the insurers below offer cheaper rates. Compare monthly car insurance rates in West Virginia below based on your age and driving history to find the cheapest insurer for you: 

Cheapest by coverage type

• Full coverage: Erie, $92
• Minimum coverage: Westfield, $31

Cheapest by driver age

• Teen drivers (16): Erie, $106
• Young drivers (25): Westfield, $58
• Seniors (65+): Westfield, $44

Cheapest by driving record

• Clean record: Westfield, $36
• Speeding ticket: State Farm, $53
• At-fault accident: Erie, $45
• DUI: State Farm, $53

West Virginia rates refreshed on December 2nd, 2025

Westfield Insurance offers the cheapest minimum coverage car insurance at $31 monthly ($363 yearly), saving you 42% compared to state averages. Erie is the next lowest priced at $36 monthly, and GEICO is $45 monthly. All three insurers are cheaper than average rates for state minimum liability-only coverage in West Virginia.

Minimum state liability-only coverage is the cheapest car insurance coverage you can buy in the state. West Virginia requires $25,000 in bodily injury liability per person, $50,000 per accident and $25,000 in property damage liability (25/50/25). The state also requires $30,000 in uninsured motorist coverage.

Minimum coverage leaves most drivers under protected. Consider adding higher bodily injury liability limits (100/300/100 recommended). See our guide to how much car insurance you need.

For the most affordable full coverage car insurance in West Virginia, Erie has the best rate at $92 per month ($1,096 yearly), beating the state average by 17%. GEICO ($95 monthly) and Westfield Insurance ($97 monthly) offer low-cost alternatives for budget-conscious drivers.

Full coverage provides liability, comprehensive, and collision protection in one policy. Comprehensive covers damage from storms, theft, and vandalism. Collision coverage pays for repairs when you cause an accident. Full coverage costs more than West Virginia's cheaper minimum liability requirements, but the extra protection is worth if your vehicle is worth more than $5,000 and it is required by lenders if you finance or lease your car.

Erie Insurance and Westfield Insurance offer the cheapest rates across West Virginia's top 10 cities. Rates vary by city based on local accident frequency and crime levels. 

Minimum coverage ranges from $27 in Martinsburg to $39 in Huntington, while full coverage ranges from $77 in Weirton to $99 in Charleston. Choosing the cheapest option in your city saves you 25% to 30% compared to local averages.

Erie Insurance offers the most affordable rates for 16-year-olds, charging $288 monthly for full coverage and $106 monthly for minimum coverage. Premiums drop substantially as you age. By 25, full coverage costs just $114 monthly with Erie, while Westfield offers minimum coverage for $35 monthly. 

Young drivers can save money by staying on their parents' family policy instead of purchasing separate coverage. See the lowest West Virginia rates by age:

Westfield Insurance offers the cheapest minimum coverage for seniors ages 65 to 90, starting at $44 monthly for 65-year-olds. GEICO provides the cheapest full coverage for seniors ages 65 to 90, starting at $109 monthly for 65-year-olds. Senior discounts and defensive driving courses can lower your rates by up to 10% for three years.

Each company evaluates risk factors differently, so comparing quotes from multiple insurers helps high-risk drivers in West Virginia save hundreds annually. Your violation type determines how much your premiums increase. DUI convictions raise rates 150% to 200%, while at-fault accidents increase costs 40% to 50%. Speeding tickets typically add 15% to 25% to your premium, and poor credit can double your rates.

Here's who offers the cheapest rates for each violation type:

• DUI: State Farm ($53 monthly for minimum coverage), Erie ($58)
• Speeding ticket: Westfield Insurance ($36 monthly for minimum coverage), Erie ($39)
• At-fault accident: Erie ($45 monthly for minimum coverage), Westfield Insurance ($49)
• Bad credit: Westfield Insurance ($63 monthly for minimum coverage), GEICO ($101)

Drivers requiring SR-22 filing should review our guide to the cheapest SR-22 coverage in West Virginia.

For West Virginia drivers with a DUI, State Farm offers the most affordable rates at $53 monthly for minimum coverage and $124 for full coverage. Erie is another budget-friendly choice at $141 monthly for full coverage. A DUI in West Virginia increases your rates by 50% to 100% over a clean record.

After an at-fault accident, West Virginia drivers get the cheapest rates from Erie at $45 monthly for minimum coverage and $110 for full coverage. Westfield Insurance ($49) and State Farm ($58) offer competitive alternatives.

While rates are higher for drivers in West Virginia with an accident, rates remain affordable if you comparison shop. Your rates change based on claim amount and crash severity after at-fault accidents. Fender-benders typically impact premiums for three years, while serious collisions remain on your driving record for five years.

After a speeding ticket in West Virginia, Westfield has the cheapest minimum coverage at $36 monthly. Erie at $39 and State Farm $53 monthly round out the top three low price options. Expect your rates to jump 15% to 25% above a clean record, with this increase affecting your premiums for three years.

West Virginia speeding tickets add points to your driving record, with higher speeds resulting in more points. Many insurers provide accident forgiveness programs that extend to minor speeding violations, preventing rate increases after your first offense. Consider completing a defensive driving course to remove points from your record and lower insurance premiums.

For West Virginia drivers with poor credit, Westfield has the most affordable minimum coverage at $63 monthly. GEICO follows at $101 monthly, then Erie with $103. West Virginia allows insurers to factor credit scores into rates, meaning poor credit can roughly double your premiums compared to drivers with excellent credit histories.

Boosting your credit score by 50 to 100 points can reduce your insurance rates within six months to a year. Compare quotes every six months while rebuilding credit, as insurers evaluate credit scores differently when setting premiums.

West Virginia's mountainous terrain, frequent flooding, and severe winter weather create unique risks that insurers factor into your rates. Rural areas have higher uninsured driver rates (16% statewide), which increases your costs if you're hit by an uninsured driver. Here's how you can get the lowest rates in West Virginia:

Our insurance experts answer common questions about finding the most affordable car insurance coverage in the Mountain State.

We gathered auto insurance data from the West Virginia Offices of the Insurance Commissioner and analyzed quotes from major insurers across all residential ZIP codes in West Virginia. Our analysis included more than 47 million rate comparisons in West Virginia to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.