In our analysis, Westfield emerges as the most affordable option for high-risk car insurance in the West Virginia. It's the cheapest for senior drivers, those with a speeding ticket, an accident, bad credit, or bad credit with violations. Erie is best for young drivers, while State Farm offers the lowest rates for drivers with a DUI.
High-Risk Car Insurance WV
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
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.
Cheapest Car Insurance for High-Risk Drivers in WV
| 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.
Compare Cheap WV High-Risk Car Insurance Providers
While our above table shows the cheapest companies for high-risk insurance, it doesn't capture every driver's unique profile. Below, you'll find a table to compare rates from top providers tailored to your needs. This will help you find the best minimum coverage option for your situation.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Erie | $153 | $1,835 |
| State Farm | $167 | $1,998 |
| Westfield | $184 | $2,203 |
| Allstate | $201 | $2,413 |
| GEICO | $206 | $2,472 |
How Much is High-Risk Car Insurance in WV?
Overall, high-risk car insurance costs in West Virginia can range anywhere 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.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $62 | $746 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you've had a traffic ticket or accident in West Virginia, your car insurance bill will be affected for a certain period. For violations like DUIs or driving fast, you'll be penalized for up to 10 years. But speeding tickets usually only matter for about three to five years. Your insurance company gets the final say on how long it'll count those points against you.
West Virginia High-Risk Car Insurance: Buyer's Guide
High-risk drivers often face challenges in securing car insurance. Our guide helps you identify what makes you high-risk, find affordable options, and navigate denials from insurers.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in WV
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.
- 1
Decide What Coverage You Need
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.
- 2
Research Average Costs and Discounts
Understanding the average insurance prices for your profile and potential discounts can help evaluate the deals offered by different companies. Checking into certified defensive driving courses can offer as much as a 10% premium discount. It’s crucial to consider these benefits when assessing insurers.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile insurance and other usage-based programs can significantly cut costs for those who drive safely and less frequently. 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.
- 4
Compare Multiple Providers
After evaluating your options, compare at least three different insurers. Utilize various resources, like independent brokers and online comparison tools, to see how offers differ. Ensure all comparisons have the same coverage types to accurately compare the providers' offerings.
What To Do if You Get Denied Coverage in West Virginia
Car insurance operates in a voluntary market. This means 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).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday 8:00 a.m.–4:00 p.m. ET
wvaip@aipso.com
Phone
(888) 820-0170
Fax
(800) 516-1923
Mailing Address
PO BOX 6530
Providence, RI 02940-6530
Car Insurance for High-Risk Drivers in WV: Bottom Line
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.
WV Car Insurance for High-Risk Drivers: FAQ
Below, find answers to common questions about high-risk car insurance options and requirements in West Virginia.
What is the cheapest high-risk car insurance provider 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.
What do I do if I get denied for coverage?
If you're denied coverage, contact AIPSO for assistance in finding a policy. They specialize in helping high-risk drivers secure insurance.
How much more expensive is high-risk car insurance in West Virginia?
High-risk car insurance in West Virginia is substantially more costly. 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.
How We Chose The Cheapest High-Risk Car Insurance in West Virginia
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.