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 differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in West Virginia costs $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?
In West Virginia, drivers pay an average of $167 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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
Car insurance costs in West Virginia can differ based on the coverage limit. To legally drive, West Virginia residents must adhere to the minimum liability limits of 25/50/25.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in West Virginia. However, they don’t offer much 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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in West Virginia for different coverage levels.
| 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
In West Virginia, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
In West Virginia, you can get state minimum car insurance for $510 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in West Virginia must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in West Virginia
Liability-only car insurance costs $585 in West Virginia for coverage limits of 50/100/50, according to CarInsurance.com data.
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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in West Virginia
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in West Virginia pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
West Virginia car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in West Virginia by car model
West Virginia car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper 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.
Find out how much car insurance costs for your car 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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. West Virginia drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In West Virginia, a DUI conviction often results in higher premiums and you may see an increase of up to 75% as insurers perceive you as a high-risk driver.
If you receive a speeding ticket in West Virginia, be prepared for your car insurance rates to rise by up to 30% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Explore car insurance costs in your neighboring states
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.
Begin your search for the top car insurance policy in West Virginia by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in West Virginia and their average 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 the priciest city in West Virginia for car insurance, costing an average of $2,275 annually. On the other hand, Triadelphia is the most affordable city, where drivers pay an average of $1,798 per year for car insurance.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the 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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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