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 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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
Erie InsuranceA+8630.613.75$1,709
NationwideA+8200.643.43$1,215
State FarmA++8430.73.42$1,691
ProgressiveA+8140.653.15$1,825
GeicoA++8180.912.89$2,248
FarmersA8030.82.66$2,442
Westfield InsuranceA8331.082.57$2,111
AllstateA+8250.652.57$3,132

Data updated in 2024
Read our full methodology

Cheapest car insurance in West Virginia: Nationwide

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.

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.

CompanyState minimum liability50/100/50 liability100/300/100 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.

Auto insurance calculator

Average auto insurance rates in West Virginia
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
25305 - Charleston
For a 30-year-old male
$50 State minimum
$175 Full coverage
$56 Liability only

Most & least expensive ZIP codes for auto insurance in West Virginia

Most Expensive

ZIP codeCityHighest rate
25511Dunlow$210
25669Crum$209
25534Cove Gap$205
25699Wilsondale$205

Least Expensive

ZIP codeCityLowest rate
26059Triadelphia$158
25401Martinsburg$159
25405Martinsburg$159
25404Tuscarora$159
Data updated in 2024
Read our full methodology

West Virginia car insurance requirements

West Virginia's minimum car insurance coverage limits are 25/50/25. West Virginia's state minimum liability insurance costs an average of $505 annually or $42 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 provides the cheapest state minimum liability insurance, averaging $362 annually or $30 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.

State minimum auto insurance coverage in West Virginia, WV
Company Liability insurance premiumMonthly liability insurance premium
USAA*$270$22
Erie Insurance$362$30
Westfield Insurance$368$31
State Farm$395$33
Nationwide$421$35
Geico$562$47
Progressive$690$57
Farmers$758$63
Allstate$764$64
Encova$823$69

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in West Virginia by age

company_name
Cheapest for teens
$3,879/yr
Learn more
company_name
Cheapest for adults
$1,191/yr
Learn more
company_name
Cheapest for seniors
$1,189/yr
Learn more

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.

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.

Age group
Teen
Age
16
Table
Graph
Nationwide$4,412$368
Erie Insurance$4,862$405
State Farm$5,486$457
Westfield Insurance$6,216$518
Geico$6,701$558
USAA$8,783$732
Encova$9,931$828
Progressive$11,071$923
Farmers$12,992$1,083
Allstate$17,614$1,468
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in West Virginia by driver profile

company_name
Cheapest for at-fault accident
$1,848/yr
Learn more
company_name
Cheapest for DUI
$1,795/yr
Learn more
company_name
Cheapest for speeding ticket
$1,795/yr
Learn more

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. 

CompanyClean recordAccidentSpeeding ticket
USAA$1,189$1,745$1,372
State Farm$1,691$1,848$1,795
Nationwide$1,215$1,870$1,799
Erie Insurance$1,709$2,014$1,876
Westfield Insurance$2,111$3,095$2,111
Progressive$1,825$2,830$2,322
Allstate$3,132$4,392$3,477
Farmers$2,442$3,616$4,150
Geico$2,248$5,105$5,094

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

Data updated in 2024
Read our full methodology

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
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in West Virginia have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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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