- Cheapest car insurance in West Virginia for a bad driving record
- How much is high-risk car insurance in West Virginia?
- Cheapest car insurance in West Virginia with a DUI
- Cheapest car insurance in West Virginia with multiple tickets
- Cheapest car insurance in West Virginia with a reckless driving conviction
- Cheapest car insurance in West Virginia with bad credit
- Cheapest car insurance after an accident in West Virginia
- Cheapest car insurance in West Virginia by city
- How to reduce car insurance rates in West Virginia for a bad driving record
- West Virginia car insurance laws for high-risk drivers
Cheapest car insurance in West Virginia for a bad driving record
If you have a bad driving record in West Virginia, Nationwide, Erie Insurance, Progressive offer affordable car insurance. However, Nationwide has the lowest average rate of $1,955.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you’ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Nationwide | $1,215 | $1,955 |
| Erie Insurance | $1,709 | $2,343 |
| Progressive | $1,825 | $2,494 |
| State Farm | $1,691 | $2,664 |
| Allstate | $3,132 | $4,020 |
| Westfield Insurance | $2,111 | $4,376 |
| Farmers | $2,442 | $4,733 |
| Geico | $2,248 | $4,971 |
| USAA | $1,189 | $1,749 |
How much is high-risk car insurance in West Virginia?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,381 in West Virginia, you can find rates as low as $1,955 from Nationwide.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $1,189 | $1,745 |
| Nationwide | $1,215 | $1,870 |
| Erie Insurance | $1,709 | $2,014 |
| Progressive | $1,825 | $2,830 |
| Westfield Insurance | $2,111 | $3,095 |
| Farmers | $2,442 | $3,616 |
| Allstate | $3,132 | $4,392 |
| Geico | $2,248 | $5,105 |
Cheapest car insurance in West Virginia with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,795.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you’ll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in West Virginia.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,691 | $1,795 |
| Nationwide | $1,215 | $2,310 |
| Progressive | $1,825 | $2,429 |
| Erie Insurance | $1,709 | $2,552 |
| Allstate | $3,132 | $4,187 |
| Westfield Insurance | $2,111 | $5,062 |
| Geico | $2,248 | $5,259 |
| Farmers | $2,442 | $5,561 |
| USAA | $1,189 | $2,160 |
Cheapest car insurance in West Virginia with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is State Farm, with rates averaging $1,795 or $150.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows West Virginia drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,691 | $1,795 |
| Nationwide | $1,215 | $1,799 |
| Erie Insurance | $1,709 | $1,876 |
| Progressive | $1,825 | $2,322 |
| Allstate | $3,132 | $3,477 |
| Farmers | $2,442 | $4,150 |
| Geico | $2,248 | $5,094 |
| USAA | $1,189 | $1,372 |
Cheapest car insurance in West Virginia with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,795.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,691 | $1,795 |
| Erie Insurance | $1,709 | $1,876 |
| Nationwide | $1,215 | $2,310 |
| Progressive | $1,825 | $2,521 |
| Allstate | $3,132 | $4,187 |
| Westfield Insurance | $2,111 | $5,062 |
| Farmers | $2,442 | $5,561 |
| Geico | $2,248 | $5,907 |
| USAA | $1,189 | $1,668 |
Cheapest car insurance in West Virginia with bad credit
The cheapest West Virginia insurer for bad credit is Nationwide, with rates averaging $1,715 or $143. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects West Virginia car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,215 | $1,715 |
| Westfield Insurance | $2,111 | $3,005 |
| Progressive | $1,825 | $3,052 |
| Geico | $2,248 | $3,383 |
| Erie Insurance | $1,709 | $4,004 |
| Farmers | $2,442 | $4,826 |
| Allstate | $3,132 | $5,314 |
| State Farm | $1,691 | $7,008 |
| USAA | $1,189 | $2,550 |
Cheapest car insurance after an accident in West Virginia
Nationwide has the lowest average rates after an accident at $1,870. State Farm also offers affordable rates, averaging $1,926.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Nationwide | $1,215 | $1,870 | $2,516 |
| State Farm | $1,691 | $1,926 | $1,926 |
| Erie Insurance | $1,709 | $2,014 | $2,724 |
| Progressive | $1,825 | $2,830 | $3,893 |
| Westfield Insurance | $2,111 | $3,095 | $4,274 |
| Farmers | $2,442 | $3,616 | $5,022 |
| Allstate | $3,132 | $4,392 | $5,401 |
| Geico | $2,248 | $5,105 | $8,558 |
| USAA | $1,189 | $1,745 | $2,526 |
Cheapest car insurance in West Virginia by city
Martinsburg has the cheapest car insurance rates in West Virginia at $3,025. But the most expensive city is Ravenswood with rates of $3,472.
Your location in West Virginia also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Martinsburg | $1,807 | $3,025 |
| Wheeling | $1,810 | $3,033 |
| Clarksburg | $1,886 | $3,182 |
| Parkersburg | $1,932 | $3,245 |
| Vienna | $1,944 | $3,270 |
| Dunbar | $1,958 | $3,337 |
| Beckley | $1,984 | $3,368 |
| Charleston | $1,987 | $3,378 |
| Ravenswood | $2,082 | $3,472 |
How to reduce car insurance rates in West Virginia for a bad driving record
Finding affordable car insurance in West Virginia is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren’t added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
West Virginia car insurance laws for high-risk drivers
If you're a high-risk driver in West Virginia, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn’t a type of insurance; it’s just a form. You don’t need special coverage, but your rates might be higher because you’re considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Helpful auto insurance tools and calculators
You might also be interested in- Traffic ticket calculator in West Virginia
- Non-owner car insurance in West Virginia: Best and cheapest companies
- West Virginia gap insurance: Everything you need to know
- Low-income car insurance in West Virginia: What you need to know
- West Virginia car insurance guide
- Cheapest home and auto insurance bundle in West Virginia
- Best cheap car insurance in West Virginia for 2024
- Best condo insurance in West Virginia for 2024
- Best and cheapest renters insurance in West Virginia
- Best and cheapest homeowners insurance in West Virginia for 2024
