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Cheapest Car Insurance Companies and Quotes in West Virginia

Car insurance costs in West Virginia vary based on personalized factors like age, vehicle type and driving history. MoneyGeek ranked the most affordable companies in terms of their average annual rates. By comparing quotes and average rates, you can estimate how much you’ll pay for your car insurance. These estimates may vary from the personalized quote you receive based on your desired level of coverage, driving record and other factors.

Average Comprehensive and Collision Rates in West Virginia

These annual costs represent what an average driver spends on car insurance in this state. Each carrier uses similar factors to set their prices, including the vehicle type, driver’s age, credit score and driving record. Insurers assess these factors differently, explaining the difference in their average prices.

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Cheapest Liability Car Insurance in West Virginia

Liability-only car insurance does not cover your costs after an accident. Instead, it covers the damages and medical expenses for the other affected driver if you are at fault. If you want your costs covered, you can opt for comprehensive and collision coverage in your policy. A mandatory minimum liability requirement applies in most states. Insurance companies offer higher coverage levels for better protection. In West Virginia, Erie is often your cheapest option for both the minimum state requirement of 25/50/25 coverage and a higher 50/100/50 coverage level.

Average Cost for Liability Coverage

The Best Car Insurance Companies in West Virginia for 2021

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.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

New Jersey ManufacturersScore: 97.5
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A+

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

HartfordScore: 87.5
+

4/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

5

State FarmScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

TravelersScore: 85
+

2/5

User Satisfaction

5/5

Claims Ratings

2/5

Affordability

A++

Financial Stability

7

ProgressiveScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

8

NationwideScore: 77.5
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

9

FarmersScore: 75
+

2/5

User Satisfaction

2/5

Claims Ratings

3/5

Affordability

A

Financial Stability

10

CSAAScore: 75
+

2/5

User Satisfaction

2/5

Claims Ratings

3/5

Affordability

A

Financial Stability

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

Market Share by Company

According to the NAIC’s 2018 market share report, State Farm holds 24.88% of the market share in West Virginia. Getting quotes from the four largest West Virginia auto insurance companies listed below will help you find the right coverage to meet your needs.

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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

Cheapest Car Insurance for Drivers With a DUI in West Virginia

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.

Average Car Insurance Rates With a DUI

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.

Cheapest Car Insurance With Tickets in West Virginia

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.

Average Car Insurance Rates With a Ticket

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 Companies in West Virginia 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.

Average Car Insurance Rates for Drivers With Bad Credit

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.

Cheapest Car Insurance Companies in West Virginia 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.

Average Car Insurance Rates for Seniors

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.

Cheapest Car Insurance for Students in West Virginia

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.

Average Car Insurance Rates for Students

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.

Car insurance companies use your location to calculate your rate.
Explore average rates for your city.

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

About the Author


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Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than five years of professional marketing and communications experience working with clients in finance, travel, food and beverage, CPG, non-profit, higher education and politics. Her work has an emphasis on content writing, social media management, content and digital marketing.


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