1. Home
  2. The Best Affordable Car Insurance in West Virginia for 2020

The Best Cheap Car Insurance Companies for WV Drivers in 2020

The majority of West Virginia drivers will be able to choose from the top five car insurance companies in the state. The table below displays approximate costs for the average driver from West Virginia car insurance companies. Keep in mind that each driver is different and will yield different results, so your individual quote could differ.

Company
Amount
1. Erie P&C - Preferred
In 2020 Erie P&C - Preferred ranked #1 in West Virginia for the cheapest car insurance on average.
$952
per year
2. State Farm
In 2020 State Farm ranked #2 in West Virginia for the cheapest car insurance on average.
$1,115
per year
3. Erie P&C - Standard
In 2020 Erie P&C - Standard ranked #3 in West Virginia for the cheapest car insurance on average.
$1,166
per year
4. Allstate
In 2020 Allstate ranked #4 in West Virginia for the cheapest car insurance on average.
$1,628
per year
5. GEICO
In 2020 GEICO ranked #5 in West Virginia for the cheapest car insurance on average.
$1,878
per year
6. Nationwide
In 2020 Nationwide ranked #6 in West Virginia for the cheapest car insurance on average.
$1,885
per year

These costs demonstrate the approximate costs from the top, most familiar companies in the state. When searching for cheap insurance quotes to protect your family, remember that your personal details like age, gender, and driving history will impact your rates.

The Best Car Insurance Companies in West Virginia for 2020

MoneyGeek ranked the top car insurance companies in West Virginia to help drivers like you find the best insurance to fit their needs and protect their families. We ranked these companies equally via four consumer and industry reviews, including AM Best's financial strength rating and J.D. Power's customer satisfaction rating, claims score and affordability score.

When searching for the best and cheapest car insurance in West Virginia, reliability, personalization and customer satisfaction should be considered alongside affordability to make sure you are protected.

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


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.

Company
Market Share
1. State Farm
25.90%
2. Erie
15.09%
3. Nationwide
10.90%
4. GEICO
10.80%
5. Allstate
7.61%
6. Progressive
7.58%
7. Liberty Mutual
4.38%
8. USAA
4.07%
9. Hartford
2.67%
10. Westfield
2.43%

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, 0.7% of adult drivers in West Virginia reported driving after excessive drinking within the last 30 days. Furthermore, 1,092 people were killed in crashes involving a drunk driver in West Virginia between 2003 and 2012.

Company
Amount
1. State Farm
In 2020 State Farm ranked #1 in West Virginia for the cheapest car insurance for dui.
$1,098
per year
2. Erie P&C - Preferred
In 2020 Erie P&C - Preferred ranked #2 in West Virginia for the cheapest car insurance for dui.
$1,281
per year
3. Erie P&C - Standard
In 2020 Erie P&C - Standard ranked #3 in West Virginia for the cheapest car insurance for dui.
$1,684
per year
4. GEICO
In 2020 GEICO ranked #4 in West Virginia for the cheapest car insurance for dui.
$2,113
per year
5. Allstate
In 2020 Allstate ranked #5 in West Virginia for the cheapest car insurance for dui.
$2,677
per year
6. Nationwide
In 2020 Nationwide ranked #6 in West Virginia for the cheapest car insurance for dui.
$3,834
per year

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 for WV Speeding or Distracted Driving Tickets

According to the National Highway Traffic Safety Administration, 398 drivers over the age of 65 were involved in fatal accidents in 2017. 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.

Company
Amount
1. State Farm
In 2020 State Farm ranked #1 in West Virginia for the cheapest car insurance for distracted drivers.
$1,186
per year
2. Erie P&C - Preferred
In 2020 Erie P&C - Preferred ranked #2 in West Virginia for the cheapest car insurance for distracted drivers.
$1,220
per year
3. Erie P&C - Standard
In 2020 Erie P&C - Standard ranked #3 in West Virginia for the cheapest car insurance for distracted drivers.
$1,477
per year
4. GEICO
In 2020 GEICO ranked #4 in West Virginia for the cheapest car insurance for distracted drivers.
$1,982
per year
5. Allstate
In 2020 Allstate ranked #5 in West Virginia for the cheapest car insurance for distracted drivers.
$2,264
per year
6. Nationwide
In 2020 Nationwide ranked #6 in West Virginia for the cheapest car insurance for distracted drivers.
$2,478
per year

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 WV 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.

Company
Amount
1. Erie P&C - Preferred
In 2020 Erie P&C - Preferred ranked #1 in West Virginia for the cheapest car insurance for poor credit history drivers.
$918
per year
2. State Farm
In 2020 State Farm ranked #2 in West Virginia for the cheapest car insurance for poor credit history drivers.
$1,106
per year
3. Erie P&C - Standard
In 2020 Erie P&C - Standard ranked #3 in West Virginia for the cheapest car insurance for poor credit history drivers.
$1,112
per year
4. Allstate
In 2020 Allstate ranked #4 in West Virginia for the cheapest car insurance for poor credit history drivers.
$1,654
per year
5. GEICO
In 2020 GEICO ranked #5 in West Virginia for the cheapest car insurance for poor credit history drivers.
$1,865
per year
6. Nationwide
In 2020 Nationwide ranked #6 in West Virginia for the cheapest car insurance for poor credit history drivers.
$1,902
per year

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 increase your 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.

398 drivers over the age of 65 were involved in fatal accidents in 2017, according to the National Highway Traffic Safety Administration. 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.

Company
Amount
1. Erie P&C - Preferred
In 2020 Erie P&C - Preferred ranked #1 in West Virginia for the cheapest car insurance for seniors.
$989
per year
2. State Farm
In 2020 State Farm ranked #2 in West Virginia for the cheapest car insurance for seniors.
$1,138
per year
3. Erie P&C - Standard
In 2020 Erie P&C - Standard ranked #3 in West Virginia for the cheapest car insurance for seniors.
$1,170
per year
4. Allstate
In 2020 Allstate ranked #4 in West Virginia for the cheapest car insurance for seniors.
$1,868
per year
5. Nationwide
In 2020 Nationwide ranked #5 in West Virginia for the cheapest car insurance for seniors.
$1,994
per year
6. GEICO
In 2020 GEICO ranked #6 in West Virginia for the cheapest car insurance for seniors.
$2,032
per year

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

West Virginia Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,685 INCREASE

This is a difference of 85%.

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.

Company
Amount
1. Erie P&C - Preferred
In 2020 Erie P&C - Preferred ranked #1 in West Virginia for the cheapest car insurance for students.
$2,842
per year
2. State Farm
In 2020 State Farm ranked #2 in West Virginia for the cheapest car insurance for students.
$2,988
per year
3. Allstate
In 2020 Allstate ranked #3 in West Virginia for the cheapest car insurance for students.
$3,251
per year
4. Erie P&C - Standard
In 2020 Erie P&C - Standard ranked #4 in West Virginia for the cheapest car insurance for students.
$3,363
per year
5. GEICO
In 2020 GEICO ranked #5 in West Virginia for the cheapest car insurance for students.
$3,618
per year
6. Nationwide
In 2020 Nationwide ranked #6 in West Virginia for the cheapest car insurance for students.
$3,869
per year

Premium Comparison by Student Type

PREMIUM COMPARISON FOR TWO ADULTS + 16-YEAR-OLD

car
Average premium for two 2014

Mustang GTs

$5,034
car
Average premium for two 2008

Town and Country Limiteds

$3,385
Annual benefits of minivans:$1,649 saved

This is 33% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$637 DECREASE

This is a savings of 16%.

Potential discounts for teens in West Virginia

Impact on annual premium with good student and defensive driving discounts:

coins
$224 SAVED

West Virginia students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$3,805 at home

graduation

$3,302 at school

$503 IN SAVINGS

female
Average premium for a 19-year-old female
car

$3,303 at home

graduation

$2,969 at school

$334 IN SAVINGS

Insurance Rate Information for Military Drivers and Veterans

If you're one of the 200 or so active-duty military personnel living in the Mountain State of West Virginia or count yourself 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.

Age savings for West Virginia service members

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

$270 Saved
$170 Saved

Median auto insurance for service members: $1,323

Who Needs Car Insurance in West Virginia?

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

Even if your registered auto 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 go to register your car, a state official will first check online to make sure you have insurance.

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

  • $25,000 for a crash resulting in one injury.
  • $50,000 for a crash resulting in two or more injuries.
  • $25,000 for property damage.

High-Risk Auto Insurance Program in West Virginia

High-risk auto insurance programs allow drivers who cannot purchase insurance through the voluntary market due to driving history or other factors. These plans typically charge higher rates, so it’s important to do your research and request multiple quotes from different companies.

Alternatives to Insurance 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.

Car Insurance Requirements in WV: How Much Coverage Do You Need?

What percentage of drivers in West Virginia lack vehicle insurance?

10.1%

National average: 13%

Source:

Insurance Information Institute.

The cheapest insurance isn't always the best insurance. To protect your household assets, if any, you need liability coverage of $20,000 per person and $40,000 per accident. If you have a loan for a new car, 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. The program helps assure that all licensed drivers have access to car insurance.

Auto Insurance Rates

Compare Auto Insurance Rates

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





Sources