MoneyGeek ranked the best and most affordable car insurance companies in West Virginia and found that Erie offers the cheapest average rates. MoneyGeek's data reveals a potential savings of $1,043 when comparing car insurance quotes in West Virginia.
The Cheapest Car Insurance in West Virginia for 2022
Premiums differ depending on age, coverage level, driving record, location and various other factors. MoneyGeek’s rankings found that Erie has the best car insurance rates in West Virginia. However, different driver profiles can have varying costs between companies. For instance, Nationwide has the lowest average prices for drivers with bad credit, while State Farm has the most affordable rates for drivers with a DUI. USAA has great rates for drivers from military families.
The Cheapest Car Insurance in West Virginia
Cheapest Minimum Liability Car Insurance in West Virginia
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:
- Erie: $314 per year
- State Farm: $397 per year
USAA has the lowest average premium at $265 annually, but its policies are only available for military personnel and their families. MetLife is the most expensive, with an average cost of $796 per year.
Cheapest Minimum Car Insurance in West Virginia
These prices are only estimates based on rates for an average West Virginia driver and should not be used to compare insurance prices.
Cheapest Full Coverage Car Insurance in West Virginia
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 auto 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:
- Erie: $698 per year
- State Farm: $805 per year
If you're part of a military family, USAA's $622 average annual premium is likely your most affordable option. MetLife has the highest full coverage rates, costing $1,665 per year.
Cheapest Full Coverage Car Insurance 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.
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 for Drivers With a DUI in West Virginia
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
Meanwhile, the most expensive average policy for a DUI is again offered by MetLife, at $3,447 yearly.
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.
Cheapest Car Insurance 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 accident pay an average of $1,416 per year.
If you’re a driver in West Virginia with an at-fault accident on your record, you can still find affordable rates if you know where to look. These companies offer reasonable rates even after an accident:
- Erie: $836 per year
- State Farm: $933 per year
Having military affiliations makes you eligible to buy a policy from USAA. This company offers the cheapest average rate for drivers with an at-fault accident at $744 per year.
Cheapest Car Insurance With an At-Fault Accident
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 $1,288 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:
- Erie: $727 per year
- State Farm: $869 per year
For military drivers with tickets, USAA usually provides the cheapest option at $713 per year.
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.
Cheapest Car Insurance Companies in West Virginia for Drivers With Bad Credit
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:
- Nationwide: $1,148 per year
- GEICO: $1,373 per year
At $1,034 annually, USAA has the lowest average rate for military personnel.
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.
Cheapest Car Insurance in West Virginia for Seniors
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:
- Erie: $718 per year
- State Farm: $788 per year
If you or a family member are in the military (or a veteran), USAA provides seniors with car insurance for an average rate of $705 yearly.
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.
Cheapest Car Insurance in West Virginia for Young Drivers
Because of their relative inexperience on the road, young drivers have a higher risk profile which also means higher premiums. While a 25-year-old driver may only pay an average of $1,082 per year, a 16-year-old pays roughly $2,471 per year for the same policy.
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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- AgeAverage CostCheapest CompanyCompany Cost
- 17$2,388State Farm$1,710
- 18$2,122State Farm$1,566
- 19$2,579State Farm$1,551
- 20$2,252State Farm$1,436
It’s common for parents to add their teens 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. Moneygeek also made an analysis on which providers are the cheapest for teens with ages starting from 16 up to 19 years old.
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
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.
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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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.
- What are the key factors drivers in West Virginia should look for when searching for the best auto insurance coverage?
- What steps can drivers in West Virginia take to find affordable car insurance?
Assistant Professor & Financial Planning Program Director at Shepard University
About the Author
- AIPSO. "Plan Sites: West Virginia." Accessed March 14, 2020.
- Assigned Risk Auto. "Assigned High Risk Auto & High Risk Car Insurance Consumer Resources Online." Accessed March 14, 2020.
- Center for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 28, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 13, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 13, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 13, 2020.
- United States Census Bureau. "West Virginia Veterans." Accessed March 14, 2020.