The Cheapest Car Insurance in West Virginia for 2022

A minimum coverage policy from Erie costs $313 annually, making it the cheapest car insurance in West Virginia.

MoneyGeek collected West Virginia auto insurance quotes to determine the cheapest premiums for different drivers. For example, State Farm is the most affordable for young drivers, but Nationwide has better deals for those with bad credit. The average annual savings from comparing auto insurance quotes in West Virginia is $500.

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Last Updated: 12/1/2022
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If you want to find the most affordable rates for your city, MoneyGeek researched the cheapest companies in West Virginia by city. We also analyzed the best car insurance companies in West Virginia to help drivers find a balance of quality service and cost.

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Methodology

Why Trust MoneyGeek? West Virginia car insurance rates in this study are based on our analysis of data and information from the West Virginia Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in West Virginia have changed up to this month.

3,312

Quotes Analyzed

 
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Companies Compared

 
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ZIP Codes

Cheapest Minimum Liability Car Insurance in West Virginia

The cheapest car insurance in West Virginia is a minimum liability policy. This type of policy only meets the state’s minimum car insurance requirements, so it provides limited protection for drivers.

On average, the cheapest companies for minimum liability coverage in West Virginia are:

  • Erie: $313 per year
  • State Farm: $396 per year

USAA is the cheapest option at around $264 annually, but it is only available for military personnel and their families. Progressive is the most expensive option for minimum liability at an average cost of $734 per year.

CHEAPEST MINIMUM CAR INSURANCE IN WEST VIRGINIA

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These prices are only estimates based on rates for an average West Virginia driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in West Virginia

A full coverage policy provides higher liability limits and comprehensive and collision insurance to cover most road accidents and off-road incidents in West Virginia. While it is pricier, full coverage covers damages to your car. Comparing quotes from multiple auto insurers can help you secure the lowest rates.

On average, the cheapest companies for full coverage car insurance in West Virginia are:

  • Erie: $696 per year
  • State Farm: $802 per year

If you have a military background, USAA is the cheapest option at approximately $619 per year. Progressive has the highest full coverage rates in West Virginia at roughly $1,119 per year.

CHEAPEST FULL COVERAGE CAR INSURANCE IN WEST VIRGINIA

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The costs listed above are annual estimates for full coverage car insurance costs for the average driver in West Virginia. They are for a policy with $100,000 bodily injury liability coverage per person, $300,000 bodily injury liability coverage per accident and $100,000 property damage coverage per accident.

How to Compare Cheap West Virginia Car Insurance Quotes Online

Auto insurance providers in West Virginia allow customers to request accurate quotes through their website.

  • When getting quotes from multiple providers, specify the same limits across all providers. For example, if you request a quote for a policy with $100,000 in bodily liability insurance per accident from one insurer, use $100,000 with all companies.
  • MoneyGeek’s car insurance calculator can show you quotes for your profile without asking for personal information. However, if you want a personalized quote, you may need to enter more details or use MoneyGeek’s pricing information to select the best companies to approach for a quote.
  • Erie and State Farm offer the lowest car insurance rates for most people in West Virginia. You can start your search for car insurance with these companies.

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Cheapest Car Insurance in West Virginia for Young Drivers

Due to their relative inexperience on the road, young drivers have a higher risk profile which translates to higher car insurance premiums. While a 25-year-old driver in West Virginia will pay an average of $1,078 per year for car insurance, a 16-year-old pays roughly $2,462 per year.

In West Virginia, State Farm typically offers the best car insurance rates for students and young drivers between the ages of 16 and 25, although Nationwide and GEICO are competitive as well.

ANNUAL CAR INSURANCE IN WEST VIRGINIA FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $2,462
    Nationwide
    $1,789
  • $2,380
    State Farm
    $1,704
  • $2,114
    State Farm
    $1,561
  • $2,569
    State Farm
    $1,545
  • $2,244
    State Farm
    $1,431
  • $1,515
    Nationwide
    $1,265
  • $1,413
    Nationwide
    $1,192
  • $1,300
    GEICO
    $1,043
  • $1,187
    State Farm
    $1,013
  • $1,078
    GEICO
    $837

It’s common for parents to add their teens to their car insurance, but young adults are more likely to get into accidents due to inexperience. This causes insurance companies to charge more to insure this younger demographic.

The cheapest option for a 25-year-old is GEICO at an average cost of $837 per year. However, for a 16-year-old, the cheapest company, Nationwide, charges significantly more at approximately $1,789 per year.

To find cheap car insurance for teenagers in West Virginia, look for discounts and teen driver programs and consider the type of car your teen is driving.

Cheapest Car Insurance in West Virginia for Seniors

While seniors in most other states pay higher car insurance premiums than middle-aged drivers, seniors in West Virginia actually pay lower rates. On average, seniors pay $1,005 per year, while the average driver pays $1,012 yearly.

On average, the cheapest auto insurers in West Virginia for seniors are:

  • Erie: $715 per year
  • State Farm: $785 per year

If you or a family member are in the military (or a veteran), USAA is the cheapest option for seniors at around $702 per year. The most expensive option is Progressive, which charges approximately $1,241 annually.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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While older drivers tend to have more experience behind the wheel, some physical impairments often show with aging, like vision loss and slower reflexes. However, West Virginia car insurance rates for seniors tend to be slightly cheaper than for middle-aged drivers. You can get even more affordable rates by comparing quotes.

For example, the cheapest option is up to $526 cheaper than the most expensive option.

Cheapest Car Insurance for Drivers With Tickets in West Virginia

Minor violations, like speeding tickets, can increase car insurance rates in West Virginia. On average, drivers with tickets pay $1,283 per year compared to the roughly $1,012 paid by drivers with a clean record.

On average, the most affordable car insurance companies in West Virginia for drivers with speeding tickets are:

  • Erie: $724 per year
  • State Farm: $866 per year

For drivers with a military background, USAA is the cheapest option if you have a ticket at an average of $710 per year. The most expensive option is GEICO at approximately $1,483 annually.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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Many insurance providers look at distracted driving and speeding infractions as a risk, so a ticket will most likely increase your insurance rates. How much your rates change will depend on your provider. They will also likely take your previous driving record into consideration. It’s important to note that if you are cited for distracted driving, your insurance premium could increase even if you were not involved in an accident.

A traffic violation, such as distracted driving, can impact your rates, even if you do not cause an accident. A ticket (or more) on your record can make insurance companies flag you as a higher-risk driver, which will impact your monthly premiums. Compare car insurance quotes from multiple providers to find the best rates after a citation.

Cheapest Car Insurance for Drivers With a DUI in West Virginia

The average cost of car insurance in West Virginia for drivers with a DUI is $1,856 per year, while drivers with a clean record pay around $1,012 per year.

On average, the cheapest auto insurance companies in West Virginia for drivers with a DUI are:

  • State Farm: $866 per year
  • Erie: $1,017 per year

GEICO is the most expensive option if you have a DUI at approximately $3,412 per year.

AVERAGE CAR INSURANCE RATES WITH A DUI

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A DUI violation can increase a driver’s car insurance rates for years. Comparing multiple quotes from different insurance companies can help your odds of finding cheap car insurance with a DUI in West Virginia. For example, State Farm’s policy costs up to $2,546 less per year compared to GEICO, the most expensive option.

In addition, in West Virginia, DUI offenders can face jail time, license suspension and fees.

Cheapest in West Virginia for Drivers With an At-Fault Accident

An at-fault accident on your record increases your monthly premiums due to your risk profile. In West Virginia, drivers with an at-fault accident pay an average of $1,506 per year, which is approximately $494 more than the average cost for drivers with a clean record.

On average, the most affordable car insurance companies for drivers with an at-fault accident are:

  • Erie: $833 per year
  • State Farm: $929 per year

USAA offers the cheapest rates overall at $741 per year, but only drivers with a military background are eligible. The most expensive insurer is Progressive, at roughly $1,919 annually.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in West Virginia for Drivers With Bad Credit

West Virginia drivers with bad credit scores pay more for car insurance than drivers with good credit. The average cost of car insurance for drivers with good credit is $1,012 per year, while drivers with bad credit scores pay higher rates at $1,747 per year.

The cheapest auto insurance providers on average in West Virginia for drivers with bad credit are:

  • Nationwide: $1,144 per year
  • GEICO: $1,368 per year

If you have a military background, USAA is the cheapest option at around $1,030 per year. Progressive is the most expensive option at roughly $1,728 each year.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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West Virginia car insurance companies see bad credit as a sign of poor financial responsibility and, therefore, will likely charge higher rates for car insurance. However, you can still find affordable options by comparing car insurance quotes from different providers.

For instance, buying a policy from Nationwide, the cheapest option, can save you up to $584 per year compared to Progressive, the most expensive option.

You can also take steps to raise your credit score if you want better car insurance rates.

Cheapest Car Insurance in West Virginia for Military Drivers

MoneyGeek’s analysis found that USAA is the cheapest auto insurance provider in West Virginia for eligible military personnel and veterans. For minimum coverage in West Virginia, USAA costs an average of $264 annually, while Erie, the lowest-priced widely-available insurer, costs around $313 per year, which is a difference of roughly $49.

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MoneyGeek Top Pick
USAA
  • Average rate: $313 per year
  • Ranks the cheapest out of seven insurers

West Virginia policyholders have access to affordable rates and discounts from USAA to lower their premiums even more. They also benefit from 24/7 support for claims and policy updates over the phone or online. USAA offers discounts for bundling multiple policies (such as home and auto), insuring multiple cars on the same policy and when a vehicle is in storage. The storage discount may provide a 60% discount, which is great for military members serving overseas.

Cheapest Car Insurance in West Virginia by City

If you’re trying to find the cheapest rates within your state, look at how rates compare based on which city you live in. For example, based on our study, a full coverage car insurance policy in Charleston costs about $1,016 per year. This rate could increase or decrease based on your location within West Virginia.

Find out more about the average rates by clicking on your city.

AVERAGE INSURANCE RATE BY CITY IN WEST VIRGINIA

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Car Insurance in West Virginia: What You Need to Know

Car insurance is mandatory for all vehicles in West Virginia, and the state stipulates minimum liability limits that every driver must carry.

West Virginia Insurance Requirements

West Virginia requires drivers to carry proof of insurance in their vehicles at all times. You're required to show your insurance card if a law enforcement officer asks for it, when renewing your vehicle and for registration. You will also need proof of insurance if you're involved in a collision.

According to state law, the minimum liability coverage required in West Virginia includes :

  • $25,000 for bodily injury per person
  • $50,000 for bodily injuries per accident
  • $25,000 for property damage per accident

Drivers are also required to carry uninsured motorist insurance.

High-risk auto insurance programs in West Virginia sell insurance to drivers who cannot purchase coverage through the voluntary market due to driving history or other factors. These plans typically charge higher rates. There are no alternatives to auto insurance in West Virginia, and you can't register your vehicle in the state without car insurance.

Although West Virginia state laws only require liability coverage of at least $20,000 per person and $40,000 per accident, if you have a new car loan, you'll also be required to carry collision and comprehensive insurance. Getting higher liability limits is also advisable to protect yourself in case of a major accident.

FAQs About Car Insurance in West Virginia

The majority of the questions about car insurance in West Virginia are related to the cost and coverage limits. Here are answers to some of the most common questions:

Expert Advice on Finding Cheap Car Insurance in West Virginia

To help you find credible and accurate insight on car insurance in West Virginia, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in West Virginia should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in West Virginia take to find affordable car insurance?
Janine Sam, Ph.D., CFP®
Janine Sam, Ph.D., CFP®

Assistant Professor & Financial Planning Program Director at Shepard University

About the Author


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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.


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