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In West Virginia, State Farm offers the cheapest minimum and full coverage car insurance. It is also the cheapest for seniors, drivers with speeding tickets and those with with sports cars. Drivers with bad credit get the lowest rates from Nationwide. USAA has the cheapest premiums for military families.

The best overall car insurance in West Virginia should be researched by those who want to balance price and quality service.

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2023

Cheapest Car Insurance West Virginia (April 2023)

Cheapest Minimum Liability Car Insurance in West Virginia (April 2023)

Our study shows that the following insurers provide West Virginia drivers with the cheapest car insurance rates for a minimum coverage policy:

  • State Farm: $365 per year
  • Westfield: $371 per year

Allstate is the most expensive auto insurance company in the state for this level of coverage, with an average annual premium of $755.

The state's minimum auto insurance regulations only include property damage, bodily insurance, uninsured motorist and uninsured motorist property damage coverage.

Company
Annual Premium
Monthly Premium

Westfield

$346

$29

State Farm

$348

$29

State Farm

$365

$30

Westfield

$371

$31

Erie

$401

$33

Erie

$405

$34

Nationwide

$406

$34

Nationwide

$419

$35

A minimum coverage policy does not cover damage to your vehicle, only damage you cause to others. You should purchase a full coverage policy, generally referred to as a comprehensive and collision insurance policy, to cover damages to your own car.

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Cheapest Full Coverage Car Insurance in West Virginia (April 2023)

For the cheapest full coverage in West Virginia, MoneyGeek discovered that the following insurance providers are, on average, the best options:

  • State Farm: $903 per year
  • Erie: $948 per year

Allstate is the most costly insurer in the state for full coverage, charging about $1,451 a year.

If you increase your auto insurance to include comprehensive and collision coverage, your yearly premium can increase. With State Farm, comprehensive coverage costs $538 more than minimum coverage.

Full coverage auto insurance provides extra security if you file a claim. It includes coverage for losses caused by both on- and off-road incidents.

Company
Annual Premium
Monthly Premium

Westfield

$346

$29

State Farm

$348

$29

State Farm

$365

$30

Westfield

$371

$31

Erie

$401

$33

Erie

$405

$34

Nationwide

$406

$34

Nationwide

$419

$35

How much car insurance you need will impact your premiums. The full coverage sample policy from MoneyGeek provides the following liability insurance limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

By reducing your liability limits, forgoing comprehensive and collision coverage or raising your deductible, you can reduce your rates. However, you may end up with insufficient coverage if you are in an accident.

How to Compare Cheap West Virginia Car Insurance Quotes Online

Car insurance companies frequently offer an online quote tool, but it can take up to 15 minutes and requires entering personal information. Plus, to compare rates, you must upload your information onto numerous insurance websites, which takes extra time.

MoneyGeek offers an auto insurance calculator so you can get a quick quote that won't require you to provide personal information to various insurers. To begin, select your age, gender and driving history from the options below. You can then use this information as a starting point to find the cheapest insurer for your financial profile.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in West Virginia for Teens and Their Families (April 2023)

On average, the following companies offer the most affordable auto insurance in West Virginia to teen drivers on a parent's policy:

  • Nationwide: $1,791 per year for male teens and $1,573 per year for female teens
  • Allstate: $2,159 per year for male teens and $2,030 per year for female teens

Progressive charges teenagers the highest prices, which average $4,105 for men and $3,767 for women.

As the teen's age increases, their car insurance rates decrease, with 19-year-olds getting the lowest rate. A 19-year-old West Virginian male can get the cheapest car insurance rate from Nationwide ($1,675).

These rates are for a 16-year-old who is covered under their parent's policy. Adding a teen to their parent’s insurance usually costs less than getting them their own policy. A 16-year-old West Virginia male may spend around $6,010 per year if they purchase their own policy as opposed to approximately $2,796 if their parents add them to an existing policy. This is a difference of $3,214.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$679

$1,040

State Farm

$760

$1,163

State Farm

$824

$1,261

Nationwide

$903

$1,526

State Farm

$910

$1,393

Nationwide

$914

$1,756

Allstate

$973

$3,766

Nationwide

$989

$1,283

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families who want to save on car insurance costs might be able to get discounts for young drivers. Most insurers, including State Farm, Allstate and Progressive, offer discounts to both distant students and students with excellent grades. GEICO and Nationwide only provide a good student discount.

Cheapest Car Insurance in West Virginia for Young Adults (April 2023)

On average, the following insurers in West Virginia provide the cheapest young adult auto insurance rates:

  • State Farm: $1,090 per year
  • Erie: $1,170 per year

Westfield offers young adults the most costly auto insurance plan in the state, with an average yearly premium of $1,642. Young drivers in West Virginia pay around $187 more annually for auto insurance from State Farm than middle-aged drivers.

Company
Annual Premium
Monthly Premium

Westfield

$346

$29

State Farm

$348

$29

State Farm

$365

$30

Westfield

$371

$31

Erie

$401

$33

Erie

$405

$34

Nationwide

$406

$34

Nationwide

$419

$35

Cheapest Car Insurance in West Virginia for Seniors (April 2023)

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

  • State Farm: $832 per year
  • Erie: $935 per year

Allstate offers senior drivers the most expensive auto insurance, costing around $1,529 a year. The average annual car insurance premium in State Farm for drivers in their 60s is around $71 less than it is for drivers between the ages of 40 and 50. However, rates usually increase when drivers reach their 70s and 80s.

Company
Annual Premium
Monthly Premium

Westfield

$346

$29

State Farm

$348

$29

State Farm

$365

$30

Westfield

$371

$31

Erie

$401

$33

Erie

$405

$34

Nationwide

$406

$34

Nationwide

$419

$35

Seniors who want to save on car insurance might be able to get discounts. Both Allstate and GEICO provide discounts to seniors in West Virginia. Comparing providers is the simplest way to find affordable, competitive coverage because age is just one factor that insurers account for when calculating premiums.

Cheapest Car Insurance in West Virginia After a Ticket, Accident or DUI (April 2023)

Drivers with a history of moving violations usually pay higher prices for auto insurance. State Farm offers the most affordable rates in West Virginia for drivers who have tickets, at-fault accidents and DUIs.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: State Farm ($971 per year)
Cheapest after an accident: State Farm ($1,039 per year)
Cheapest after a DUI: State Farm ($971 per year)

Cheapest Car Insurance in West Virginia After a Ticket

On average, the following auto insurance companies in West Virginia provide the cheapest full coverage policies for motorists who have received a speeding ticket:

  • State Farm: $971 per year
  • Westfield: $1,030 per year

Progressive is the most expensive provider in the state for this category of offender, costing approximately $1,720 per year. Your car insurance rates may rise by $197 on average as a result of a speeding ticket in West Virginia.

Company
Annual Premium
Monthly Premium

Westfield

$346

$29

Westfield

$368

$31

State Farm

$380

$32

State Farm

$400

$33

Erie

$432

$36

Erie

$439

$37

State Farm

$475

$40

Nationwide

$500

$42

Cheapest Car Insurance in West Virginia After an Accident

On average, these companies offer the most affordable full coverage auto insurance policies for West Virginia drivers with an at-fault collision on their records:

  • State Farm: $1,039 per year
  • Erie: $1,154 per year

With an average annual premium of $2,184, Progressive charges the highest rate for drivers who have been at fault in an accident. Being at fault in a car accident in West Virginia could result in a $475 increase in yearly premiums.

Company
Annual Premium
Monthly Premium

State Farm

$411

$34

State Farm

$434

$36

Westfield

$439

$37

Westfield

$462

$38

Erie

$493

$41

Erie

$499

$42

State Farm

$516

$43

Nationwide

$607

$51

Cheapest Car Insurance in West Virginia After a DUI

If you have a DUI on your record, these are the least expensive options for full coverage car insurance in West Virginia, on average:

  • State Farm: $971 per year
  • Erie: $1,488 per year

For this particular demographic, GEICO is the most expensive insurer in the state, charging $2,542 yearly for drivers who have a DUI on their records. In West Virginia, a DUI normally causes your annual premium to increase by $726.

Company
Annual Premium
Monthly Premium

State Farm

$380

$32

State Farm

$400

$33

State Farm

$475

$40

Erie

$637

$53

Erie

$645

$54

Nationwide

$733

$61

Nationwide

$752

$63

Erie

$799

$67

Cheapest Car Insurance in West Virginia for Drivers With Poor Credit (April 2023)

On average, the cheapest rates for customers with bad credit in West Virginia are provided by the following companies:

  • Nationwide: $1,448 per year
  • Westfield: $1,459 per year

Progressive charges the highest rates of approximately $2,241 for drivers with bad credit in West Virginia. If you have a poor credit score in West Virginia, you could end up paying $739 more for auto insurance compared with someone with a credit score above 750.

Company
Annual Premium
Monthly Premium

Nationwide

$1,703

$142

GEICO

$1,875

$156

State Farm

$2,255

$188

Westfield

$2,308

$192

Allstate

$2,412

$201

Progressive

$2,675

$223

Erie

$2,716

$226

Nationwide

$666

$55

Some insurers increase insurance premiums because drivers with poor credit scores are more likely to file claims. Although this isn’t allowed in all states, it is legal in West Virginia.

If your credit score gets better over time, your insurance rate might decrease. You can also compare rates or search for insurers who offer common discounts.

Cheapest Car Insurance in West Virginia for Sports Cars (April 2023)

On average, West Virginia's most affordable sports car drivers' auto insurance companies are:

  • State Farm: $1,079 per year
  • Nationwide: $1,242 per year

Progressive has an average annual premium of $1,552 and is the most costly company to insure a sports car with. Because these vehicles have higher repair and replacement expenses, sports car insurance is often more expensive than a policy for a regular automobile. Compared with Toyota Camry LE owners in West Virginia, sports car owners spend an additional $226 in annual auto insurance premiums.

Company
Annual Premium
Monthly Premium

Westfield

$346

$29

State Farm

$348

$29

State Farm

$365

$30

Westfield

$371

$31

Erie

$401

$33

Erie

$405

$34

Nationwide

$406

$34

Nationwide

$419

$35

MoneyGeek used a Ford Mustang for the aforementioned quotes. A car's make and model can impact insurance rates. Sports cars, electric automobiles and premium cars frequently have higher insurance costs than other car models. However, this can vary between states.

Cheapest Car Insurance in West Virginia for Military Drivers (April 2023)

For veterans and active duty service members, USAA offers the most affordable auto insurance in West Virginia, with an average annual rate of $623. Its services are offered in all states and are specifically designed for those with a military affiliation.

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MoneyGeek Top Pick
USAA
  • $623 per year
  • Ranks first in affordability out of eight insurance providers

When you park your car on base, USAA will reduce the cost of your comprehensive insurance. Additionally, it offers discounts based on your annual mileage and the number of vehicles you insure through them. Plus, you can save money for driving safely.

Car Insurance in West Virginia: What You Need to Know

In West Virginia, all vehicles must have auto insurance. The law specifies the minimum liability limits that each driver must maintain. Most states demand property damage liability and bodily injury liability. Beyond these general requirements, West Virginia mandates uninsured motorist coverage.

West Virginia Car Insurance Requirements

In West Virginia, drivers are required to have proof of insurance with them. When registering your vehicle, renewing your insurance or if a law enforcement officer requests it, you must present your insurance card. If you get into an accident, you'll also need proof of insurance.

Drivers are required to carry bodily injury liability, property damage liability and uninsured motorist coverage.

MoneyGeek recommends getting as much coverage as you can reasonably afford for added protection.

  • male icon

    Bodily Injury Liability

    If you cause an auto accident, minimum bodily injury liability coverage will cover the affected parties' medical costs but not your own. $25,000 per person and $50,000 per accident are the coverage limits. If the costs exceed these limits, you must pay them out of pocket.

  • accident2 icon

    Property Damage Liability

    West Virginia law mandates that drivers carry a minimum of $25,000 in property damage liability insurance for every accident. If you cause an accident that results in damage to someone else's property, you are responsible for compensating any damages beyond $25,000 in costs.

  • carInsurance icon

    Uninsured Motorist Coverage

    If you are struck by a driver without auto insurance, you are protected by uninsured motorist coverage. You may make a claim against your uninsured driver insurance if you are a victim of a hit-and-run. The limits on this are $25,000 per person, $50,000 per accident and $25,000 in property damage coverage.

MoneyGeek suggests getting liability insurance with minimum limits of $100,000 for each injury and $300,000 for each accident, as well as increasing the property damage coverage to $100,000. Comprehensive and collision insurance may also be required if you financed the purchase of your vehicle.

Comprehensive insurance will cover any required repairs or replacements if your vehicle sustains damage in an off-road collision. Collision insurance will pay to repair or replace your car if it is damaged by another car or object.

We also recommend getting comprehensive and collision insurance if you own an expensive car.

Car Insurance Alternatives in West Virginia

Drivers in West Virginia who are ineligible for coverage on the voluntary market because of their driving records or other circumstances can acquire insurance through high-risk auto insurance programs. Usually, these programs have higher rates. There are no alternate options to auto insurance in West Virginia, and the state does not permit vehicle registration without it.

For those who do not own cars in West Virginia, non-owner car insurance might be worth looking into.

FAQs About Car Insurance in West Virginia

It's normal to have questions about both cost and quality when it comes to auto insurance. Read our answers to frequently asked questions regarding auto insurance in West Virginia to find out more.

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 Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.