Updated: October 27, 2025
Advertising & Editorial Disclosure
Erie, State Farm and Westfield are the most affordable companies for high-risk car insurance in West Virginia, offering both minimum and full coverage options.
The lowest annual rate for high-risk drivers is $571, while the highest reaches $4,336, so shop around for the best deal.
To secure the best deal on high-risk car insurance, identify the coverage you need, research average costs and discounts and compare multiple providers to make an informed choice.
In our analysis, Westfield emerges as the most affordable option for high-risk car insurance in West Virginia.
Westfield offers the cheapest rates for senior drivers, those with a speeding ticket, an accident, bad credit or bad credit with violations. Erie wins for young drivers, while State Farm offers the lowest rates for drivers with a DUI.
| Erie | Young Drivers | $53 |
| Westfield | Senior Drivers | $35 |
| Westfield | Drivers With a Speeding Ticket | $37 |
| Westfield | Drivers With an Accident | $46 |
| State Farm | Drivers With a DUI | $50 |
| Westfield | Drivers With Bad Credit | $51 |
| Westfield | Drivers With Bad Credit And Driving Violations | $51 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
While our table above shows the cheapest companies for high-risk insurance, it doesn't capture every driver's unique profile. Below, you'll find rates from top providers tailored to different needs. This helps you find the best minimum coverage option for your situation.
| Erie | $153 | $1,835 |
| State Farm | $167 | $1,998 |
| Westfield | $184 | $2,203 |
| Allstate | $201 | $2,413 |
| GEICO | $206 | $2,472 |
Overall, high-risk car insurance costs in West Virginia range from $53 to $361 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
| $62 | $746 | $0 | $0 | 0% |
Traffic tickets and accidents in West Virginia affect your car insurance bill for a certain period. Serious violations like DUIs or excessive speeding impact your rates for up to 10 years.
Minor violations, such as speeding tickets, affect your premiums for three to five years. Your insurance company determines the exact duration these points count against you.
High-risk drivers often encounter challenges securing car insurance. Our guide helps you identify what makes you high-risk, find affordable options and handle denials from insurers.
Insurance companies consider these drivers high-risk:
In the section below, we've provided key tips to help you save money and find the best provider for high-risk car insurance in West Virginia.
Before diving into comparing insurance companies, identify the type of car insurance coverage you require. Avoid being influenced by common opinions or persuasive agents. Review possible add-ons like rideshare protection and roadside assistance.
Understanding average insurance prices for your profile and potential discounts helps evaluate deals from different companies. Certified defensive driving courses can offer up to 10% off your premium. Consider these benefits when assessing insurers.
Exploring pay-per-mile insurance and other usage-based programs can help lower costs for those who drive safely and less often. Some providers, such as GEICO, offer telematics programs that track your driving behaviors and could lead to savings of up to 30% on your policy.
After evaluating your options, compare at least three different insurers. Use various resources, like independent brokers and online comparison tools, to see how offers differ. Make sure all comparisons have the same coverage types to accurately evaluate providers' offerings.
Car insurance operates in a voluntary market, meaning companies might deny you coverage if they view you as too risky. However, if you're turned down, you can still apply for a residual market plan through the Automobile Insurance Plan Service Office (AIPSO).
Here’s the contact information if you’d like to get started.
Monday–Friday 8:00 a.m.–4:00 p.m. ET
(888) 820-0170
(800) 516-1923
PO BOX 6530
Providence, RI 02940-6530
Based on our research, Erie, State Farm, and Westfield offer the most affordable high-risk insurance options in the Mountain State. While these findings are helpful, we recommend doing your own research to compare costs and find the best deal. If you're denied coverage, don't worry. There are programs available to help you secure affordable insurance.
Below, find answers to common questions about high-risk car insurance options and requirements in West Virginia.
Erie offers the cheapest high-risk car insurance in West Virginia for young drivers at $53 monthly. Westfield provides the most affordable monthly high-risk car insurance in West Virginia for senior drivers at $35.
If you're denied coverage, contact AIPSO for assistance finding a policy. AIPSO specializes in helping high-risk drivers secure insurance.
High-risk car insurance in West Virginia costs substantially more. For instance, a DUI offense can increase full coverage premiums to $3,643, 63% more than those with a clean record ($2,231).
For minimum coverage, the increase could be as high as 58%, from $1,009 to $1,589, compared with drivers aged 30 to 59 with no violations.
MoneyGeek analyzed average rates using full coverage policies with 100/300/100 liability limits, plus comprehensive and collision coverage with a $1,000 deductible.
For minimum coverage, rates were based on West Virginia’s state-required limits.
Our base driver profile included:
We then adjusted this profile to reflect high-risk drivers, such as young drivers, seniors, and those with poor credit or a history of accidents, speeding tickets, or DUIs.
To provide a complete and accurate comparison, we also reviewed combinations of these risk factors.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
