Car Insurance in West Virginia: How to Find the Policy That Fits You

When it comes to car insurance in West Virginia, MoneyGeek offers analysis and solutions to get you started.

Find the Best or Cheapest Car Insurance in West Virginia

MoneyGeek gathered and analyzed car insurance quotes from several sources to identify the cheapest car insurance in West Virginia. We discover the top companies that balance cost and service using our innovative scoring system.

If you want to know more about total costs, MoneyGeek examined how much you could expect to pay for car insurance based on several factors such as age and driving record.

MoneyGeek also explored why car insurance rates in West Virginia could be so costly.

MoneyGeek’s resources above looked into the cheapest and best car insurance in West Virginia for various drivers. The table below provides a glimpse of what you can expect to find. All of our recommendations, unless otherwise stated, are for a full coverage policy.

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THE CHEAPEST CAR INSURANCE COMPANIES IN WEST VIRGINIA
  • Minimum liability: Erie
  • Full coverage: Erie
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: Erie
  • Drivers with bad credit: Nationwide
  • Senior drivers: Erie
  • Student drivers: State Farm
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THE BEST CAR INSURANCE COMPANIES IN WEST VIRGINIA
  • Overall: GEICO
  • Customer Service: New Jersey Manufacturers
  • On a Budget: GEICO
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a West Virginia Car Insurance Quote

Car insurance quotes for the same driver in West Virginia might vary by up to $1,043 per year depending on the company. Comparing quotes is important for potential savings, and obtaining estimates should not be complicated or time-consuming.

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Car Insurance Laws in West Virginia

MoneyGeek shares what you need to know about West Virginia’s car insurance laws and regulations. To comply with state laws and to drive in West Virginia, your car insurance policy must carry the following liability insurance coverages:

  • $25,000 per person for injury or death
  • $50,000 total per accident
  • $25,000 per accident for property damage
  • $25,000 per person with up to $50,000 per accident for uninsured motorist bodily injury
  • $20,000 per accident for uninsured motorist property damage

Since comprehensive and collision insurance are not required in West Virginia and only low liability limits are required, the amount of coverage you need may differ from the amount of coverage you should legally obtain.

Specialty Car Insurance in West Virginia

MoneyGeek recognizes that traditional car insurance may not always be the most appropriate option for your needs. That’s why we looked into specialty car insurance in West Virginia. Non-owner, temporary and low-income insurances are among the accessible car insurance in West Virginia. Learn more about these unique car insurance types below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

If you don't own a car but frequently rent or borrow a car, getting non-owner car insurance in West Virginia is a smart option.

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Temporary car insurance

For travelers or individuals who do not own a car but need to drive temporarily, temporary car insurance in West Virginia could be a good solution. You can create temporary insurance by purchasing a policy and canceling it early or buying rental car insurance.

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Car insurance for low-income drivers

Although most states lack programs to assist low-income drivers, MoneyGeek uncovered ways to save money on car insurance for drivers in West Virginia with poor credit.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.