The Best Cheap Car Insurance in West Virginia for 2021

If you own a motor vehicle in West Virginia, you’re probably interested in getting the most cost-friendly quote from one of the best car insurance companies in the state. MoneyGeek ranked the best and most affordable car insurance in West Virginia to help you find coverage that meets your needs. Premiums differ depending on age, driving record, location and various other factors, so looking around for a personalized quote can help you find the best coverage. MoneyGeek's ratings showcase a potential savings of $1,043 when comparing car insurance rates from the best companies in West Virginia.

Loading...
By  
  |  
Reviewed by    |  
iconribbonbestauto insuranceWest Virginia2021

The cheapest car insurance in West Virginia is minimum liability coverage. This provides limited protection to drivers and only meets the state’s minimum car insurance requirements.

The cheapest companies for minimum liability coverage in West Virginia are:

  • USAA: $265 per year (for former and current military members and their families)
  • Erie: $314 per year

MetLife is the most expensive, with an average cost of $796 per year.

Average Cost for Minimun Liability Coverage
  • Company
    Annually
    Monthly
  • 1.
    $265
    $22
  • 2.
    $314
    $26
  • 3.
    $397
    $33
  • 4.
    $404
    $34
  • 5.
    $434
    $36
Loading...

The above figures are estimated average costs for minimum liability coverage in West Virginia and should only serve as a guide when comparing quotes between providers.

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

tip icon
MONEYGEEK EXPERT TIP

A minimum coverage policy in West Virginia provides bodily injury and property damage liability insurance, plus uninsured/underinsured motorist coverage. While it is the cheapest, drivers may want to consider purchasing a full coverage policy if they need more protection.

A full-coverage policy provides higher limits and comprehensive insurance that covers most road accidents and off-road incidents. While it is pricier, it offers added protection for West Virginia drivers and covers damage to your car in case of an accident. Comparing quotes from multiple insurers can help you secure the lowest rates.

Based on MoneyGeek’s research, the cheapest companies for full coverage car insurance in West Virginia are:

  • USAA: $622 per year (for military members only)
  • Erie: $698 per year

MetLife has the highest full coverage rates, costing $1,665 per year.

Average Comprehensive and Collision Rates in West Virginia

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.

The Best Car Insurance Companies in West Virginia for 2021

According to the MoneyGeek study, the best car insurance providers in West Virginia for most drivers are:

  • Best Overall: GEICO
  • Runner-up: New Jersey Manufacturers

USAA received the highest score in West Virginia by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek utilizes a specialized ranking system to rate the best car insurance companies in West Virginia. MoneyGeek uses J.D. Power’s customer satisfaction, affordability and claims scores, along with financial stability ratings from AM Best and data analysis on affordability to calculate a unique ranking.

These factors are used in combination to generate the overall car insurance company scores out of 100. Using these rankings can help you to identify the best overall insurance companies in West Virginia.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

USAA is the cheapest car insurance provider in West Virginia. While the company offers the best customer service, claims processing and costs, services are limited to former and current military members.

More About USAA

USAA is one of the best insurers across the country and takes the top spot in West Virginia. Active military members who garage their car on base get discounted rates. If your parents also have USAA, you may qualify for lower car insurance rates from the company since they reward loyalty.

Read MoneyGeek's USAA auto Insurance Review
2
New Jersey Manufacturers
Score:98

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO placed second with high customer satisfaction, claims processing and affordability scores. The insurer has relatively high financial stability compared to other insurers.

More About GEICO

GEICO received high rankings in customer satisfaction, affordability and more. Policyholders can easily track policy and claims processing statuses through the company’s mobile app. The company’s online quote tool makes it easy for drivers to determine their car insurance rates and adjust their coverage limits accordingly.

Read MoneyGeek's GEICO auto Insurance Review
4
The Hartford
Score:88

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Travelers
Score:85

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Nationwide
Score:78

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Farmers
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
CSAA
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Plymouth Rock Assurance
Score:73

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

List of the Largest Insurance Companies in West Virginia

The largest car insurance companies in West Virginia according to market share are State Farm, Erie and Nationwide. Market share is calculated by dividing the number of insurance policies written by a company by the total number of policies written within the state. Companies with large market shares feature higher financial stability and tend to settle claims efficiently, but may not be the best choice for all drivers.

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.

  • You may input your ZIP code below to compare quotes in West Virginia or use MoneyGeek’s pricing information to select the best companies to approach for a quote.

  • USAA, Erie and State Farm offer the lowest car insurance rates in West Virginia. You can start your search for car insurance with these companies.

Loading...

What Is the Average Cost of Car Insurance in West Virginia?

MoneyGeek calculated motor vehicle insurance premiums based on the average cost of coverage in the state. The average driver is classified as a 40-year-old male driving a Toyota Camry with a clean driving record. Your insurance premium quotes can be higher or lower than the state average depending on your age, driving history, location and coverage.

  • Average Driver: $1,016
  • DUI: $1,863
  • Speeding Ticket: $1,288
  • Poor Credit Score: $1,763
  • Seniors: $1,009
  • Students: $2,308

Drivers with serious traffic violations, such as a DUI, are considered riskier to insure in West Virginia and pay more for insurance. The average cost of car insurance in the state for drivers with a DUI is $1,863 annually. Drivers with clean records pay $1,016 annually.

The cheapest companies in West Virginia for drivers with a DUI are:

  • State Farm: $869 per year
  • Erie: $1,021 per year

Although USAA offers the cheapest car insurance to drivers with a clean record, State Farm has better rates for those with a DUI. Erie remains the second-best for both demographics.

Average Car Insurance Rates With a DUI

The consequences of a DUI vary by state, but in the state of West Virginia, DUI offenders can face up to six months in jail and will owe fines and fees up to $1,000. In addition to those fines, you could have your license suspended for 15 to 45 days.

In a study conducted by the Centers for Disease Control and Prevention, 0.9% of adult drivers in West Virginia reported driving after excessive drinking within the last 30 days. Furthermore, 827 people were killed in crashes involving a drunk driver in West Virginia between 2009 and 2018.

Being cited with a DUI will increase a driver’s insurance rates for years and rates could double overnight. Requesting multiple free quotes from a pool of top insurance companies can help your odds of finding cheap car insurance with a DUI in Virginia.

Minor violations, like speeding tickets, can increase car insurance rates in West Virginia. On average, drivers with tickets pay $1,288 per year compared to the $1,016 paid by drivers with no speeding tickets.

The cheapest car insurance companies in the state for drivers with speeding tickets are:

  • USAA: $713 per year (only available to former and current military members)
  • Erie: $727 per year

USAA and Erie provide the cheapest car insurance regardless of whether a driver has speeding tickets or not.

Average Car Insurance Rates With a Ticket

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.

West Virginia drivers with bad credit scores pay more for car insurance than drivers with good scores. The average cost of car insurance for drivers with good credit is $1,016 per year, while drivers with bad credit scores pay $1,763 per year.

The leading providers of car insurance in West Virginia for drivers with bad credit scores are:

  • USAA: $1,034 per year (only for military personnel)
  • Nationwide: $1,148 per year

In comparison, USAA and Erie are the top options for drivers with good credit scores in West Virginia.

Average Car Insurance Rates for Drivers With Bad Credit

In 2019, West Virginia residents had an average credit score of 687 — a one-point increase from 2018. While the majority of residents have a “good” credit score, if you have a bad credit score, it’s important to understand how that can impact your insurance. West Virginia car insurance companies see bad credit as a sign of poor financial responsibility and therefore will likely raise your premium to protect themselves and hold you responsible.

If you are shopping for the cheapest car insurance in West Virginia with bad credit, the first thing to do is understand how your credit score can impact your rates and know the steps you can take to raise your credit score. When requesting free car insurance quotes, ask each company if they use credit information, how they look at this information and if it impacts your rates.

Car insurance providers in West Virginia charge seniors less than they do for the average middle-aged and young adult driver. On average, seniors pay $1,009 per year while the average driver pays $1,016.

The cheapest insurers in the state for senior drivers are:

  • USAA: $705 per year (only available to members of the military)
  • Erie: $718 per year

USAA and Erie are also the best options for adult drivers in West Virginia.

Average Car Insurance Rates for Seniors

When shopping for cheap car insurance for seniors in West Virginia for yourself or a loved one, remember that seniors face a unique set of challenges with age. While older drivers tend to have more experience behind the wheel, some physical impairments often show with aging, like vision loss, slower reflexes and changes in attention.

According to the National Highway Traffic Safety Administration, 16.1% of fatal accidents in West Virginia in 2017 were caused by drivers over the age of 65. Because seniors face challenges onset by age, such as vision impairment and slower reflexes, West Virginia car insurance companies take these into consideration when developing rates for mature drivers.

West Virginia auto insurance companies take the unique challenges seniors face into consideration when creating quotes, along with the driver’s age, gender and previous driving history, so a person’s rates will likely change as they age. It’s important to remember this when comparing cheap car insurance quotes.

Student drivers pay more for car insurance than adult drivers due to risk and inexperience. The average cost of car insurance for a student driver is $2,308, roughly double what a 40-year old driver pays.

The best companies in West Virginia for student drivers are:

  • State Farm: $1,721 per year
  • Nationwide: $1,796 per year

In comparison, USAA and Erie offer the lowest rates for middle-aged drivers and seniors in West Virginia.

Average Car Insurance Rates for Students

It’s common for parents to add their teens and college students to their car insurance, but it’s important to understand how young drivers can impact your insurance rates. Young adults are more likely to get into accidents, due in part to a lack of experience behind the wheel, so insurance companies charge more to insure this younger demographic.

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. Choose a vehicle with good crash protection in lieu of a flashy “cool” car — a practical car will keep your child safe and can help keep your insurance rates down.

Insurance Rate Information for Military Drivers and Veterans

If you're one of the active-duty military personnel living in the Mountain State of West Virginia or are among the more than 130,000 veterans, look for a military discount on coverage from most companies licensed to do business in the state. Premium rates will still vary, so get at least three for a good comparison of the price range. If deployment is imminent and you won't need to drive your car for some time, consider a policy that lets you halt premium payments until your return. To renew your vehicle registration while you're deployed or based out of state, provide proof of insurance and pay personal property taxes, you can visit the West Virginia DMV online and use a credit or debit card. Non-resident military members don't need to register their vehicles in West Virginia if the registration is current in their home state.

Average Rates for West Virginia service members

male
25 years$1,662
50 years$1,392
female
25 years$1,556
50 years$1,386

Car Insurance in West Virginia: What You Need to Know

In West Virginia, car owners cannot register their vehicles until the state DMV receives proof of auto insurance.

Even if your registered vehicle breaks down or becomes inoperable, you may have to maintain insurance or return the license plate to the West Virginia DMV.

Proof of Insurance in West Virginia

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
  • You're renewing your vehicle registration
  • You're involved in a collision

Minimum Liability Insurance Requirements in West Virginia

West Virginia requires all drivers to carry both liability and uninsured motorist insurance. When you register your car, a state official will first check online to ensure you have insurance.

The minimum liability coverage required in West Virginia includes the following:

  • $25,000 for a crash resulting in bodily injury or death of one individual
  • $50,000 for a collision resulting in two or more total bodily injuries
  • $25,000 for property damage per accident

High-Risk Auto Insurance Program in West Virginia

High-risk auto insurance programs 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, so doing research and requesting multiple quotes from different companies can help you find the best rate.

Insurance Alternatives in West Virginia

West Virginia offers no alternatives to auto insurance. Without proof of the minimum coverage, you can't register your vehicle with the state.

How Much Coverage Do You Need in West Virginia?

The state mandates 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 to protect it.

Is your driving record making it hard for you to find insurance? If so, you can apply for insurance through an assigned risk plan known as the West Virginia Automobile Insurance Plan, which ensures that all licensed drivers have access to car insurance.

Average Insurance Rate by City in West Virginia

Scroll for more

swipe icon

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 trustworthy and accurate details on car insurance in Illinois, MoneyGeek gathered expert advice from established professionals. The perspectives and sentiments conveyed 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

Loading...

About the Author


expert-profile

Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than six years of professional marketing and communications experience working with clients in finance, insurance, non-profit, international education, travel, food and beverage, consumer packaged goods, higher education and politics.

Nicole earned her bachelor of arts degree in psychology from the University of Oregon. She uses her knowledge of human psychology to create content that captures consumers' attention. Her expertise and passion lie in social media management and content curation for blogs and websites in these industries.


sources