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The cost of car insurance in West Virginia can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in West Virginia is $1,528 annually for the profile of a 30-year-old driver.

When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.

KEY TAKEAWAYS
  • The state minimum coverage in West Virginia costs $430 annually.
  • The cheapest full coverage policy for West Virginia drivers is offered by Geico at $917 per year.
  • Teen drivers in West Virginia get the cheapest car insurance from State Farm at $3,102 a year.
  • For drivers with a DUI on their driving history in West Virginia, State Farm offers the cheapest rates at $2,485 per year.

Cheapest car insurance companies in West Virginia

Geico is the cheapest car insurance company in West Virginia that offers full coverage policy at about $917 per year or $76 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in West Virginia.

Following is the list of the cheap auto insurance companies and their average annual and monthly premium.

CompanyAverage annual premiumAverage monthly premium
Geico$917$76
Nationwide$1,047$87
USAA$1,061$88
State Farm$1,258$105
Erie Insurance$1,321$110
Progressive$1,701$142
Westfield Insurance$1,806$150
Automobile Club MI (AAA)$2,183$182
Allstate$2,457$205

Cheapest car insurance for teens in West Virginia

State Farm is the cheapest car insurance provider for teen drivers in West Virginia. It offers insurance at about $3,102 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.

CompanyAverage annual premium
State Farm$3,102
Geico$3,378
Erie Insurance$3,712
Nationwide$3,728
USAA$4,049
Westfield Insurance$7,637
Automobile Club MI (AAA)$8,064
Allstate$8,487
Progressive$9,224

Cheapest car insurance for young drivers in West Virginia

The cheapest car insurance company for young drivers in West Virginia is Geico at about $1,393 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
Geico$1,393
Nationwide$1,785
USAA$1,839
State Farm$2,169
Erie Insurance$2,476
Progressive$3,630
Allstate$3,878
Automobile Club MI (AAA)$4,744
Westfield Insurance$4,775

Cheapest car insurance for adults in West Virginia

According to Insurance.com's rate analysis, Geico offers the cheapest car insurance for adults in West Virginia. Its average rate is $928 annually.

Below are the companies that offer cheap insurance rates for adult drivers in West Virginia.

CompanyAverage annual premium
Geico$928
Nationwide$1,055
USAA$1,094
State Farm$1,288
Erie Insurance$1,357
Progressive$1,756
Westfield Insurance$1,901
Automobile Club MI (AAA)$2,268
Allstate$2,500

Cheapest car insurance for seniors in West Virginia

Geico offers the cheapest car insurance for seniors in West Virginia. The average annual premium offered is $885. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.

Below is the list of companies that offer the cheapest car insurance for seniors in West Virginia:

CompanyAverage annual premium
Geico$885
Nationwide$1,041
USAA$1,102
State Farm$1,189
Erie Insurance$1,354
Westfield Insurance$1,743
Progressive$1,824
Automobile Club MI (AAA)$2,098
Allstate$2,494

Cheapest car insurance rates in West Virginia by driving record

The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide has the cheapest auto insurance for drivers with poor credit at about $2,538 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.

CompanyAverage annual premium
Nationwide$1,321
Geico$1,643
USAA$1,821
State Farm$2,462
Progressive$2,668
Erie$3,030
Allstate$3,631
Automobile Club of MI$3,732

Cheapest auto insurance for drivers with a speeding ticket: USAA

If you have a speeding ticket on your record, USAA offers the cheapest car insurance at about $1,781 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.

CompanyAverage annual premium
USAA$1,079
Nationwide$1,191
State Farm$1,272
Erie$1,357
Progressive$2,016
Geico$2,261
Automobile Club of MI$2,484
Allstate$2,591

Cheapest auto insurance after an at-fault accident : USAA

USAA offers the cheapest car insurance after an at-fault accident. Its average cost for West Virginia drivers is $2,078 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.

CompanyAverage annual premium
USAA$1,168
State Farm$1,362
Nationwide$1,425
Erie$1,464
Progressive$2,455
Geico$2,490
Automobile Club of MI$2,975
Allstate$3,282

Cheapest auto insurance after a DUI : State Farm

If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in West Virginia at $2,485 per year. To find the best deal, it is required to shop around and compare insurance quotes.

The table below lists the cheapest car insurance companies after DUI in West Virginia, along with their average annual premium.

CompanyAverage annual premium
State Farm$1,272
USAA$1,679
Nationwide$1,711
Erie$1,850
Progressive$2,109
Geico$2,464
Allstate$3,133
Automobile Club of MI$5,664

Average cost of car insurance in West Virginia

The average car insurance rate for full coverage in West Virginia is $1,528 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

The state minimum average rate in West Virginia is $430 annually.