Car insurance costs in West Virginia vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in West Virginia at $1,215 annually.
This guide makes buying car insurance in West Virginia easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in West Virginia works and how much coverage you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in West Virginia, costing $1,215 per year.
- In West Virginia, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in West Virginia costs around $510 annually for limits of 25/50/25, while liability-only coverage costs $585 per year for limits of 50/100/50.
- In West Virginia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 75%, and an at-fault accident by up to 47%.
How much is car insurance in West Virginia?
According to CarInsurance.com data, drivers in West Virginia pay about $167 per month for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in West Virginia by coverage level
In West Virginia, the cost of car insurance can vary depending on how much coverage you purchase. West Virginia drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in West Virginia, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in West Virginia for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $43 | $510 |
| Liability Only – 50/100/50 BI/PD | $49 | $585 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 | $2,005 |
State minimum car insurance in West Virginia
West Virginia laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum car insurance cost in West Virginia is $510 a year. However, this basic coverage only offers limited protection. West Virginia drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in West Virginia must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in West Virginia
The average cost of liability-only insurance in West Virginia is $585 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in West Virginia
In West Virginia, you can expect to pay around $2,005 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
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Calculate the cost of car insurance in West Virginia
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of West Virginia have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
West Virginia Car Insurance Rates by ZIP Code
Estimate car insurance in West Virginia by car model
Car insurers in West Virginia use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific make and model in West Virginia.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in West Virginia
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In West Virginia, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,956 annually.
Drivers aged 16-19 pay $4,431 more for car insurance than West Virginia drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,387 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,065 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,956 annually in West Virginia.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,959 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in West Virginia
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in West Virginia can increase your premiums by up to 75% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in West Virginia, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in West Virginia following driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 47% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in West Virginia for high-risk drivers
High-risk drivers in West Virginia pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $1,691 |
| USAA | $1,745 |
| Nationwide | $1,870 |
| Erie Insurance | $2,014 |
| Progressive | $2,830 |
| Westfield Insurance | $3,095 |
| Farmers | $3,616 |
| Allstate | $4,392 |
| Geico | $5,105 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in West Virginia
In West Virginia, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in West Virginia by getting quotes from different insurance companies.
Below are the details of West Virginia car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $424 | $455 | $1,215 |
| State Farm | $395 | $463 | $1,691 |
| Erie Insurance | $368 | $440 | $1,709 |
| Progressive | $701 | $757 | $1,825 |
| Westfield Insurance | $368 | $443 | $2,111 |
| Geico | $578 | $678 | $2,248 |
| Farmers | $681 | $716 | $2,442 |
| Encova | $778 | $913 | $2,933 |
| Allstate | $774 | $837 | $3,132 |
| USAA | $270 | $325 | $1,189 |
Car insurance rates by city in West Virginia
Genoa is West Virginia’s most expensive city for car insurance at an average cost of $2,275 annually. Triadelphia is the state’s least expensive city, with an average car insurance rate of $1,798 annually.
Car insurance rates vary by city in West Virginia for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of West Virginia’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $998 |
| USAA | $1,202 |
| Erie Insurance | $1,579 |
| State Farm | $1,745 |
| Progressive | $1,890 |
| Westfield Insurance | $1,985 |
| Farmers | $2,119 |
| Geico | $2,218 |
| Encova Insurance | $3,025 |
| Allstate | $3,077 |
How much does car insurance cost in West Virginia per month?
In West Virginia, a full coverage car insurance policy with 100/300/100 limits typically costs about $167 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $43 |
| Liability Only – 50/100/50 BI/PD | $49 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 |
Final thoughts on choosing car insurance in West Virginia
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in West Virginia. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of West Virginia