- How much is car insurance in West Virginia?
- West Virginia car insurance rates by company
- West Virginia car insurance costs by coverage level
- West Virginia car insurance by driver profile
- West Virginia car insurance rates by age group
- How much does car insurance cost in West Virginia per month?
- West Virginia car insurance discounts
- Car insurance requirements in West Virginia
- Car insurance rates in West Virginia by model year
- Compare auto insurance rates by city in West Virginia
- Car insurance premium trends in West Virginia
- Methodology
- Compare West Virginia car insurance rates with other states
How much is car insurance in West Virginia?
The average cost of full coverage car insurance in West Virginia is $2,005 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
West Virginia drivers who choose to carry only the minimum car insurance will pay $510 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $2,005 |
| Average monthly premium | $167 |
West Virginia car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in West Virginia can differ greatly from one company to another.
On average, Erie Insurance has the lowest car insurance rates in West Virginia. The table below shows average car insurance rates in West Virginia from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Erie Insurance | $368 | $440 | $1,709 |
| Westfield Insurance | $368 | $443 | $2,111 |
| State Farm | $395 | $463 | $1,691 |
| Nationwide | $424 | $455 | $1,215 |
| GEICO | $578 | $678 | $2,248 |
| Farmers | $681 | $716 | $2,442 |
| Progressive | $701 | $757 | $1,825 |
| Allstate | $774 | $837 | $3,132 |
| Encova Insurance | $778 | $913 | $2,933 |
| USAA | $270 | $325 | $1,189 |
West Virginia car insurance costs by coverage level
Generally, West Virginia minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare West Virginia car insurance costs based on coverage level below.
| State minimum car insurance | $510 |
| Liability-only car insurance | $585 |
| Full coverage car insurance | $2,005 |
West Virginia car insurance by driver profile
Car insurance companies consider your driving record when deciding your rates because it shows how likely you are to file a claim. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in West Virginia based on driver profiles. The highest rates in West Virginia are for drivers with Bad Credit.
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $2,005 | $2,978 | $973 | 49% |
| Bad credit | $2,005 | $4,215 | $2,210 | 110% |
| Careless driving | $2,005 | $2,888 | $883 | 44% |
| Claims | $2,005 | $2,093 | $88 | 4% |
| DUI | $2,005 | $3,805 | $1,800 | 90% |
| Reckless driving | $2,005 | $3,725 | $1,720 | 86% |
| Speeding | $2,005 | $2,710 | $705 | 35% |
| Texting ticket | $2,005 | $2,458 | $453 | 23% |
West Virginia car insurance rates by age group
Age has a big effect on car insurance rates. In West Virginia, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in West Virginia based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $6,387 |
| Young Adults (20-24) | $3,197 |
| Adults (25-60) | $2,010 |
| Seniors (65-75) | $1,959 |
How much does car insurance cost in West Virginia per month?
The average monthly cost of West Virginia car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $43 |
| Liability Only - 50/100/50 BI/PD | $49 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $167 |
West Virginia car insurance discounts
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in West Virginia, savings can be very different from one company to another.
Take a look at the car insurance discounts available in West Virginia below and see the average amount you can save.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,889 | $6 |
| Anti-Theft Device | $1,895 | $1,864 | $31 |
| Daily Commute | $1,895 | $1,752 | $143 |
| Days Advanced Purchase | $1,895 | $1,761 | $134 |
| Education | $1,895 | $1,749 | $146 |
| Electronic Funds Transfer | $1,895 | $1,818 | $77 |
| Electronic Signature | $1,895 | $1,743 | $152 |
| Homeowner | $1,895 | $1,798 | $97 |
| Lower Annual Mileage | $1,895 | $1,793 | $102 |
| Loyalty - Years Renewal With Company | $1,895 | $1,705 | $190 |
| Marital Status | $1,895 | $1,753 | $142 |
| Multi Policy | $1,895 | $1,754 | $141 |
| Paperless/Electornic Documents | $1,895 | $1,829 | $66 |
| Payment Type | $1,895 | $1,704 | $191 |
| Primary Use | $1,895 | $1,650 | $245 |
| Profession | $1,895 | $1,671 | $224 |
| Safety Devices | $1,895 | $1,850 | $45 |
| Telematics | $1,895 | $1,655 | $240 |
| Years Insured | $1,895 | $1,566 | $329 |
| Years Licensed | $1,895 | $1,434 | $461 |
Car insurance requirements in West Virginia
West Virginia requires drivers to have a minimum amount of car insurance, including:
- 25/50/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by West Virginia is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State minimum requirements | 25/50/25 |
| State minimum car insurance | $510 |
| Liability-only car insurance | $585 |
| Full coverage car insurance | $2,005 |
Car insurance rates in West Virginia by model year
The car you drive also impacts car insurance rates in West Virginia. For example, newer cars usually cost more to fix because they have pricey parts like collision warning systems, cameras and anti-theft features.
Take a look below to see how the car's model and age can change car insurance rates in West Virginia.
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,254 |
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $1,308 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,351 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $1,423 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,997 |
Compare auto insurance rates by city in West Virginia
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in West Virginia will impact what you pay. Below, we've gathered West Virginia car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Charleston | $1,987 |
Parkersburg | $1,932 |
Car insurance premium trends in West Virginia
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in West Virginia to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
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