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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 $1,311 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.

Cheapest car insurance companies in West Virginia

United Svcs Automobile is the cheapest car insurance company in West Virginia that offers full coverage policy at about $778 per year or $65 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
United Svcs Automobile Assn$778$65
Nationwide of Am$791$66
GEICO Advantage$1,037$86
State Farm Mutl Automobile Ins$1,067$89
Erie Ins P&C Co$1,093$91
Progressive Max$1,470$122
Metropolitan P&C$1,566$131
Auto Club Property-Casualty$1,852$154
Allstate P&C$2,147$179

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 $2,640 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 Mut Auto$2,640
Erie Ins Prop & Cas Co$3,081
Geico Gen$4,270
Nationwide Of Amer$4,447
Allstate Prop & Cas$9,260
Progressive Max$10,041

Cheapest car insurance for young drivers in West Virginia

The cheapest car insurance company for young drivers in West Virginia is State Farm at about $1,974 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
State Farm Mut Auto$1,974
Geico Gen$2,086
Erie Ins Prop & Cas Co$2,176
Nationwide Of Amer$2,336
Progressive Max$3,441
Allstate Prop & Cas$3,817

Cheapest car insurance for adults in West Virginia

According to Insurance.com's rate analysis, State Farm offers the cheapest car insurance for adults in West Virginia. Its average rate is $1,252 annually.

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

CompanyAverage annual premium
State Farm Mut Auto$1,252
Erie Ins Prop & Cas Co$1,255
Geico Gen$1,273
Nationwide Of Amer$1,418
Progressive Max$1,650
Allstate Prop & Cas$2,640

Cheapest car insurance for seniors in West Virginia

State Farm offers the cheapest car insurance for seniors in West Virginia. The average annual premium offered is $1,201. 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
State Farm Mut Auto$1,201
Erie Ins Prop & Cas Co$1,261
Geico Gen$1,314
Nationwide Of Amer$1,341
Progressive Max$1,507
Allstate Prop & Cas$2,592

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 $1,352 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$1,352
Geico$1,716
United$1,839
State Farm$2,526
Progressive$2,893
Erie Ins$3,284
Allstate$3,631
Metropolitan$4,061
Auto Club$4,082

Cheapest auto insurance for drivers with a speeding ticket: United

If you have a speeding ticket on your record, United offers the cheapest car insurance at about $1,176 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
United$1,176
State Farm$1,303
Nationwide$1,391
Erie Ins$1,476
Progressive$2,158
Geico$2,550
Allstate$2,591
Auto Club$2,849
Metropolitan$3,532

Cheapest auto insurance after an at-fault accident : United

United offers the cheapest car insurance after an at-fault accident. Its average cost for West Virginia drivers is $1,219 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
United$1,219
State Farm$1,395
Nationwide$1,456
Erie Ins$1,596
Progressive$2,613
Geico$2,615
Auto Club$3,251
Allstate$3,282
Metropolitan$3,899

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 $1,303 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$1,303
Nationwide$1,742
United$1,837
Erie Ins$2,021
Progressive$2,245
Geico$2,559
Allstate$3,133
Metropolitan$4,521
Auto Club$6,190

Average cost of car insurance in West Virginia

The average car insurance rate for full coverage in West Virginia is $1,311 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 $422 annually.