- Average cost of car insurance in West Virginia
- Best car insurance companies in West Virginia: Erie Insurance
- Cheapest car insurance companies in West Virginia: Nationwide
- Cheapest car insurance cost in West Virginia by age
- Cheapest car insurance companies in West Virginia by driver profile
- Compare auto insurance rates by city in West Virginia
- Methodology
- Compare auto insurance rates with other states
Average cost of car insurance in West Virginia
The average car insurance rate in West Virginia is $2,005 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in West Virginia is $510.
Best car insurance companies in West Virginia: Erie Insurance
Erie Insurance is the best car insurance company in West Virginia, based on an analysis by Insurance.com, with an overall rating of 3.75. Nationwide was a close second.
Below is a full list of the top West Virginia insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average Annual Premium |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 863 | 0.61 | 3.75 | $1,709 |
| Nationwide | A+ | 820 | 0.64 | 3.43 | $1,215 |
| State Farm | A++ | 843 | 0.7 | 3.42 | $1,691 |
| Progressive | A+ | 814 | 0.65 | 3.15 | $1,825 |
| Geico | A++ | 818 | 0.91 | 2.89 | $2,248 |
| Farmers | A | 803 | 0.8 | 2.66 | $2,442 |
| Westfield Insurance | A | 833 | 1.08 | 2.57 | $2,111 |
| Allstate | A+ | 825 | 0.65 | 2.57 | $3,132 |
Cheapest car insurance companies in West Virginia: Nationwide
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in West Virginia and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide is the cheapest auto insurance company in West Virginia, with average rates of $1,215 annually or $101 a month for full coverage. USAA offers cheaper rates if you are eligible.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA* | $270 | $325 | $1,189 |
| 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 offers car insurance only to military members, veterans and their families.
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Most & least expensive ZIP codes for auto insurance in West Virginia
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 25511 | Dunlow | $210 |
| 25669 | Crum | $209 |
| 25534 | Cove Gap | $205 |
| 25699 | Wilsondale | $205 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 26059 | Triadelphia | $158 |
| 25401 | Martinsburg | $159 |
| 25405 | Martinsburg | $159 |
| 25404 | Tuscarora | $159 |
Cheapest car insurance cost in West Virginia by age
In West Virginia, car insurance rates are higher for teenagers; they’re more likely to have an accident.
Nationwide offers the cheapest car insurance for teen drivers in West Virginia at $3,879 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In West Virginia, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $1,191 per year and $1,189 per year, respectively.
| Age | Company | Average annual premium |
|---|---|---|
| Teens (16-19) | Nationwide | $3,879 |
| Teens (16-19) | Erie Insurance | $3,962 |
| Teens (16-19) | State Farm | $4,620 |
| Teens (16-19) | Geico | $4,789 |
| Teens (16-19) | Westfield Insurance | $5,191 |
| Teens (16-19) | USAA* | $5,508 |
| Teens (16-19) | Farmers | $8,488 |
| Teens (16-19) | Encova | $8,531 |
| Teens (16-19) | Progressive | $9,502 |
| Teens (16-19) | Allstate | $10,954 |
| Young Adults (20-24) | Nationwide | $1,937 |
| Young Adults (20-24) | USAA* | $2,322 |
| Young Adults (20-24) | Erie Insurance | $2,691 |
| Young Adults (20-24) | State Farm | $2,739 |
| Young Adults (20-24) | Geico | $3,053 |
| Young Adults (20-24) | Progressive | $3,370 |
| Young Adults (20-24) | Westfield Insurance | $3,373 |
| Young Adults (20-24) | Farmers | $3,943 |
| Young Adults (20-24) | Encova | $4,399 |
| Young Adults (20-24) | Allstate | $4,876 |
| Adults (25-60) | Nationwide | $1,191 |
| Adults (25-60) | USAA* | $1,232 |
| Adults (25-60) | State Farm | $1,689 |
| Adults (25-60) | Erie Insurance | $1,723 |
| Adults (25-60) | Progressive | $1,860 |
| Adults (25-60) | Westfield Insurance | $2,208 |
| Adults (25-60) | Geico | $2,282 |
| Adults (25-60) | Farmers | $2,412 |
| Adults (25-60) | Encova | $2,786 |
| Adults (25-60) | Allstate | $3,116 |
| Seniors (65-75) | Nationwide | $1,189 |
| Seniors (65-75) | USAA* | $1,293 |
| Seniors (65-75) | State Farm | $1,596 |
| Seniors (65-75) | Erie Insurance | $1,745 |
| Seniors (65-75) | Progressive | $1,989 |
| Seniors (65-75) | Westfield Insurance | $2,025 |
| Seniors (65-75) | Farmers | $2,141 |
| Seniors (65-75) | Geico | $2,166 |
| Seniors (65-75) | Encova | $2,725 |
| Seniors (65-75) | Allstate | $3,145 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in West Virginia by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay higher rates.
However, the severity and frequency of the incidents will also affect insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average West Virginia rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $937 | $1,247 | $1,140 |
| Nationwide | $980 | $1,526 | $1,355 |
| Geico | $1,131 | $2,929 | $2,504 |
| State Farm | $1,183 | $1,362 | $1,272 |
| Erie Insurance | $1,252 | $1,607 | $1,430 |
| Progressive | $1,596 | $2,694 | $2,093 |
| Automobile Club of MI (AAA) | $1,904 | $3,199 | $2,931 |
| Allstate | $2,410 | $3,609 | $2,719 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in West Virginia
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in West Virginia.
| City | Annual insurance premium |
|---|---|
Charleston | $1,991 |
Parkersburg | $1,932 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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