The cheapest car insurance in West Virginia costs $101 per month for a full coverage policy from Nationwide. That’s a $66 savings from the average cost of insurance in the state, which is $167 a month.
“Drivers looking to get the cheapest insurance premiums in West Virginia should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in West Virginia including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Nationwide has the cheapest car insurance rates in West Virginia for full coverage at $101 a month among the companies analyzed by the team of CarInsurance.com.
- In West Virginia, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of Triadelphia has the lowest auto insurance rates in West Virginia, with an average premium of $1,798 per year.
- You can save up to 40% per year on your car insurance policy in West Virginia by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in West Virginia
Nationwide has the cheapest full coverage car insurance in West Virginia, at an average premium of $101 per month or around $1,215 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in West Virginia. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in West Virginia per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $101 |
| State Farm | $141 |
| Erie Insurance | $142 |
| Progressive | $152 |
| Westfield Insurance | $176 |
| Geico | $187 |
| Farmers | $203 |
| Encova | $244 |
| Allstate | $261 |
| USAA* | $99 |
Note: USAA is only available to military community members and their families.
Who pays a lower insurance premium in West Virginia?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 7% less than single drivers.
- West Virginia drivers with clean records pay 43% less than drivers who have a DUI on their records.
- West Virginia drivers in their 20s pay 60% lower rates for insurance than a 16-year-old in West Virginia.
- Adding a teen to your policy will cost you 67% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in West Virginia
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in West Virginia.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in West Virginia
In West Virginia, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists West Virginia’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $368 |
| Westfield Insurance | $368 |
| State Farm | $395 |
| Nationwide | $424 |
| Geico | $578 |
| Farmers | $681 |
| Progressive | $701 |
| Allstate | $774 |
| Encova | $778 |
| USAA* | $270 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in West Virginia
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in West Virginia, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Erie Insurance | $440 |
| Westfield Insurance | $443 |
| Nationwide | $455 |
| State Farm | $463 |
| Geico | $678 |
| Farmers | $716 |
| Progressive | $757 |
| Allstate | $837 |
| Encova | $913 |
| USAA* | $325 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in West Virginia
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in West Virginia, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,215 |
| State Farm | $1,691 |
| Erie Insurance | $1,709 |
| Progressive | $1,825 |
| Westfield Insurance | $2,111 |
| Geico | $2,248 |
| Farmers | $2,442 |
| Encova | $2,933 |
| Allstate | $3,132 |
| USAA* | $1,189 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in West Virginia by driving history
In West Virginia, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In West Virginia, drivers with a history of such violations typically pay $622 more annually than drivers with clean records.
Cheap car insurance in West Virginia after a speeding ticket
If you have a speeding ticket on your West Virginia driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,272 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,272 | 8% | $90 |
| Nationwide | $980 | $1,360 | 39% | $381 |
| Erie Insurance | $1,252 | $1,368 | 9% | $116 |
| Progressive | $1,596 | $2,027 | 27% | $431 |
| Geico | $1,131 | $2,499 | 121% | $1,369 |
| Automobile Club of MI (AAA) | $1,904 | $2,537 | 33% | $632 |
| Allstate | $2,410 | $2,687 | 12% | $277 |
| USAA* | $937 | $1,079 | 15% | $141 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in West Virginia after a DUI conviction
State Farm offers the cheapest car insurance to West Virginia drivers with a DUI conviction at $1,272 per year and Nationwide has the second-cheapest insurance premiums at $1,707 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,272 | 8% | $90 |
| Nationwide | $980 | $1,707 | 74% | $727 |
| Erie Insurance | $1,252 | $1,866 | 49% | $614 |
| Progressive | $1,596 | $2,117 | 33% | $522 |
| Geico | $1,131 | $2,560 | 126% | $1,429 |
| Allstate | $2,410 | $3,258 | 35% | $848 |
| Automobile Club of MI (AAA) | $1,904 | $5,494 | 188% | $3,590 |
| USAA* | $937 | $1,679 | 79% | $742 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in West Virginia after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,362 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,421.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,362 | 15% | $180 |
| Nationwide | $980 | $1,421 | 45% | $441 |
| Erie Insurance | $1,252 | $1,476 | 18% | $224 |
| Progressive | $1,596 | $2,465 | 54% | $869 |
| Geico | $1,131 | $2,521 | 123% | $1,391 |
| Automobile Club of MI (AAA) | $1,904 | $2,893 | 52% | $989 |
| Allstate | $2,410 | $3,411 | 42% | $1,001 |
| USAA* | $937 | $1,168 | 25% | $231 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in West Virginia have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in West Virginia is Triadelphia, at $1,798 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in West Virginia with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Triadelphia | $1,798 |
| Valley Grove | $1,805 |
| Tuscarora | $1,807 |
| Martinsburg | $1,807 |
| Wheeling | $1,810 |
| Falling Waters | $1,813 |
| Shepherdstown | $1,814 |
| West Liberty | $1,814 |
| Norborne | $1,818 |
| Shenandoah Junction | $1,820 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in West Virginia
If you compare car insurance quotes, you could enjoy an annual saving of around 40% on a full coverage policy in West Virginia.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in West Virginia: Save on premiums
Car insurance discounts in West Virginia can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in West Virginia.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $37 |
| Daily commute | 8% | $129 |
| Days advanced purchase | 7% | $132 |
| Education | 8% | $135 |
| Electronic funds transfer | 4% | $109 |
| Electronic signature | 8% | $132 |
| Homeowner | 5% | $98 |
| Lower annual mileage | 5% | $91 |
| Loyalty – years renewal with company | 10% | $149 |
| Marital status | 7% | $150 |
| Multi policy | 7% | $150 |
| Paperless/electornic documents | 3% | $83 |
| Payment type | 10% | $321 |
| Primary use | 13% | $214 |
| Profession | 12% | $198 |
| Safety devices | 2% | $61 |
| Telematics | 13% | $286 |
| Years insured | 17% | $565 |
| Years licensed | 24% | $640 |
Final thoughts on cheap car insurance in West Virginia
Our research shows that Nationwide has the cheapest full coverage car insurance rates in West Virginia for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in West Virginia, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of West Virginia for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs