- Average cost of car insurance in West Virginia
- Best car insurance in West Virginia: Erie Insurance
- Cheapest car insurance in West Virginia: GEICO
- West Virginia car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in West Virginia
- 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
- Car insurance premium trends in West Virginia
- Methodology
- Compare West Virginia car insurance rates with other states
Average cost of car insurance in West Virginia
The average car insurance rate in West Virginia is $2,557 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 $577.
Best car insurance in West Virginia: Erie Insurance
Erie Insurance is the best car insurance company in West Virginia, based on our data analysis, with an overall rating of 4.38. Nationwide is 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 | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 713 | 0.89 | $1,709 | 4.38 |
| Nationwide | A | 642 | 0.63 | $1,215 | 4.32 |
| State Farm | A++ | 652 | 0.79 | $1,691 | 4.14 |
| GEICO | A++ | 647 | 0.69 | $2,248 | 3.92 |
| Progressive | A+ | 624 | 0.71 | $1,825 | 3.87 |
| Farmers | A | 610 | 0.86 | $2,442 | 3.2 |
| Allstate | A+ | 624 | 1.1 | $3,132 | 2.77 |
| USAA | A++ | 743 | 1.18 | $1,189 | 4.5 |
Cheapest car insurance in West Virginia: GEICO
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, GEICO is the cheapest auto insurance company in West Virginia, with average rates of $1,934 annually or $161 a month for full coverage. USAA offers cheaper rates if you are eligible.
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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $472 | $540 | $1,934 |
| Erie Insurance | $348 | $430 | $2,092 |
| Westfield Insurance | $438 | $537 | $2,620 |
| Farmers | $868 | $901 | $2,801 |
| State Farm | $633 | $732 | $2,801 |
| Progressive | $727 | $837 | $2,974 |
| Allstate | $879 | $951 | $3,819 |
| USAA | $305 | $370 | $1,451 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in West Virginia
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Kermit | $992 | $83 |
| Crum | $983 | $82 |
| Lenore | $979 | $82 |
| Breeden | $976 | $81 |
| Dingess | $974 | $81 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Mathias | $616 | $51 |
| Petersburg | $625 | $52 |
| Purgitsville | $628 | $52 |
| South Fork | $628 | $52 |
| Old Fields | $628 | $52 |
The West Virginia Offices of the Insurance Commissioner says...
State law requires that West Virginia vehicle owners purchase the minimum coverage for liability and uninsured motorist protection. The West Virginia Department of Motor Vehicles conducts a random sample of registered vehicles to ensure that vehicle owners have purchased the minimum required insurance coverage. If the Department of Motor Vehicles cannot verify coverage, it will suspend your license and vehicle license plate.
- The West Virginia Offices of the Insurance CommissionerWest Virginia car insurance requirements
West Virginia's minimum car insurance coverage limits are 25/50/25. West Virginia's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $577 annually or $48 monthly.
Minimum liability insurance requirements for West Virginia:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per accident
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
- Uninsured motorist property damage coverage : $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in West Virginia
According to Insurance.com, Erie Insurance provides the cheapest state minimum liability insurance, averaging $430 annually or $36 monthly. USAA offers cheaper rates but is available only to military veterans and their families.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in West Virginia.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Erie Insurance | $430 | $36 |
| GEICO | $540 | $45 |
| Westfield Insurance | $537 | $45 |
| State Farm | $732 | $61 |
| Progressive | $837 | $70 |
| Farmers | $901 | $75 |
| Allstate | $951 | $79 |
| USAA | $370 | $31 |
*USAA offers coverage only to military veterans and their family
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.
Erie Insurance offers the cheapest car insurance for a 16-year-old driver in West Virginia at $6,007 per year.
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, GEICO offers the cheapest full coverage car insurance for a 25-year-old and a 65-year-old driver at $2,242 per year and $1,806 per year, respectively. USAA offers cheaper rates if you are eligible.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Erie Insurance | $6,007 | $501 |
| GEICO | $7,583 | $632 |
| Westfield Insurance | $7,734 | $645 |
| State Farm | $9,400 | $783 |
| USAA | $10,701 | $892 |
| Progressive | $11,557 | $963 |
| Farmers | $16,704 | $1,392 |
| Allstate | $21,970 | $1,831 |
*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 |
|---|---|---|---|
| Westfield Insurance | $2,620 | $3,841 | $0 |
| Erie Insurance | $2,092 | $2,465 | $2,296 |
| State Farm | $2,801 | $3,191 | $2,974 |
| Progressive | $2,974 | $4,611 | $3,782 |
| Allstate | $3,819 | $5,356 | $4,239 |
| GEICO | $1,934 | $4,392 | $4,382 |
| Farmers | $2,801 | $4,147 | $4,760 |
| USAA | $1,451 | $2,129 | $1,674 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in West Virginia
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in West Virginia will impact what you pay. Below, we've gathered West Virginia car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Charleston | $1,987 |
Parkersburg | $1,932 |
Car insurance premium trends in West Virginia
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in West Virginia to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare West Virginia car insurance rates with other states
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