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.
- 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
- Cheapest car insurance for teens in West Virginia
- Cheapest car insurance for young drivers in West Virginia
- Cheapest car insurance for adults in West Virginia
- Cheapest car insurance for seniors in West Virginia
- Cheapest car insurance rates in West Virginia by driving record
- Average cost of car insurance in West Virginia
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.
| Company | Average annual premium | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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:
| Company | Average 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.| Company | Average 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.
| Company | Average 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.| Company | Average 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.
| Company | Average 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.
