Average cost of car insurance in West Virginia

The average car insurance rate in West Virginia is $1,528 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 $430. 

Best car insurance companies in West Virginia

Geico is the best car insurance company in West Virginia, based on a 2023 analysis by Insurance.com, with an overall rating of 4.81. USAA 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.

Best car insurance companies in West Virginia
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 9170.774.81
USAA*A++$ 1,0610.994.51
NationwideA+$ 1,0470.664.48
State FarmA++$ 1,2580.524.39
Erie InsuranceA+$ 1,3210.954.01
ProgressiveA+$ 1,7010.733.83
AllstateA+$ 2,4570.952.98
Automobile Club MI (AAA)A$ 2,1831.382.6

*USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in West Virginia

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, Geico is the cheapest auto insurance company in West Virginia, with average rates of $917 annually or $76 a month for full coverage. 

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Geico$ 320$ 372$ 917
Nationwide$ 460$ 485$ 1,047
USAA$ 245$ 285$ 1,061
State Farm$ 348$ 409$ 1,258
Erie Insurance$ 290$ 343$ 1,321
Progressive$ 799$ 853$ 1,701
Westfield Insurance$ 394$ 475$ 1,806
Automobile Club MI (AAA)$ 526$ 615$ 2,183
Allstate$ 487$ 534$ 2,457

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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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.

State Farm offers the cheapest car insurance for teen drivers in West Virginia at $2,779 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, Geico offers the cheapest full coverage car insurance for adult and senior drivers at $963 per year and $906 per year, respectively. 

Cheapest car insurance by age in West Virginia
Age (group) Company Group Avg. Annual Premium
Teens (16-19)State Farm$ 2,779
Teens (16-19)Erie Insurance$ 3,227
Teens (16-19)Geico$ 3,302
Teens (16-19)Nationwide$ 3,304
Teens (16-19)USAA$ 4,049
Teens (16-19)Westfield Insurance$ 6,588
Teens (16-19)Automobile Club MI (AAA)$ 7,222
Teens (16-19)Allstate$ 8,256
Teens (16-19)Progressive$ 8,723
Young Adults (20-24)Geico$ 1,405
Young Adults (20-24)Nationwide$ 1,649
Young Adults (20-24)USAA$ 1,839
Young Adults (20-24)State Farm$ 1,990
Young Adults (20-24)Erie Insurance$ 2,258
Young Adults (20-24)Progressive$ 3,435
Young Adults (20-24)Allstate$ 3,651
Young Adults (20-24)Westfield Insurance$ 4,211
Young Adults (20-24)Automobile Club MI (AAA)$ 4,232
Adults (25-55)Geico$ 963
Adults (25-55)Nationwide$ 1,039
Adults (25-55)USAA$ 1,094
Adults (25-55)State Farm$ 1,274
Adults (25-55)Erie Insurance$ 1,365
Adults (25-55)Progressive$ 1,759
Adults (25-55)Westfield Insurance$ 1,881
Adults (25-55)Automobile Club MI (AAA)$ 2,188
Adults (25-55)Allstate$ 2,546
Seniors (60-75)Geico$ 906
Seniors (60-75)Nationwide$ 1,018
Seniors (60-75)USAA$ 1,102
Seniors (60-75)State Farm$ 1,189
Seniors (60-75)Erie Insurance$ 1,332
Seniors (60-75)Westfield Insurance$ 1,743
Seniors (60-75)Progressive$ 1,789
Seniors (60-75)Automobile Club MI (AAA)$ 2,097
Seniors (60-75)Allstate$ 2,489

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. 

Cheapest car insurance companies for tickets and accidents in West Virginia
CompanyClean recordAccidentTicket
USAA*$ 937$ 1,168$ 1,102
Nationwide$ 982$ 1,425$ 1,191
Geico$ 1,092$ 2,490$ 1,919
State Farm$ 1,183$ 1,362$ 1,236
Erie$ 1,243$ 1,464$ 1,357
Progressive$ 1,586$ 2,455$ 2,043
Automobile Club of MI$ 1,956$ 2,975$ 2,363
Allstate$ 2,328$ 3,282$ 2,591

*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.

CityAnnual insurance premium
Charleston
$1,991
Parkersburg
$1,932

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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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