Car Insurance in West Virginia
- GEICO offers the cheapest full coverage and Erie the cheapest liability-only auto insurance in WV
- Compare the cheapest car insurance quotes in WV from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in West Virginia
The average cost for full coverage car insurance in West Virginia is $1,037 for a six-month policy — 5% cheaper than the national average.[1] For West Virginians eager to save, GEICO offers the cheapest full coverage and Erie the cheapest liability coverage.
While our data indicates 35% of West Virginia drivers feel they’re overpaying for car insurance, many are willing to spend more for comprehensive customer support and coverage options.[2] For those seeking a balance of value, price, and service, Erie is our top recommendation.
- GEICO offered the cheapest full insurance coverage in West Virginia at $149/mo*Â
- See the other cheapest full coverage insurance companies and best discounts in West Virginia ↓
- Erie Insurance offered the cheapest liability insurance in West Virginia at $44/mo*
- Read about the rest of the top and best companies in West Virginia ↓
- As a highly-rated regional carrier, Erie Insurance scored a 713 on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top rated by J.D. Power in the region for Customer Service.
- Read about the rest of the top and best companies in West Virginia ↓
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- The Zebra used 3rd party reviews from JD Power and AM Best as well as thousands of customer ratings in West Virginia to name Erie Insurance as the best overall company for West Virginian drivers.Â
- Read more about why we've ranked Erie Insurance as a great fit for many West Virginians ↓
*Note: USAA offers the cheapest rates in Connecticut overall, but due to its strict eligibility requirements, it has been excluded from this list. The Zebra caters to a wide audience of insurance seekers, so we focus on listing insurance companies that are accessible to the majority of consumers, ensuring our recommendations are relevant to as many drivers as possible. If you or a family member qualify for USAA coverage, it is an excellent choice for your insurance provider.
Cheap liability insurance in West Virginia
The average cost for liability insurance in West Virginia is $309 for a 6-month policy.[1]Â For our user profile, USAA, Erie, and GEICO offer the most affordable liability insurance in West Virginia.
This rate is noticeably lower than full coverage, as the level of coverage you choose greatly impacts the overall cost. The table below provides monthly and 6-month liability insurance quotes from West Virginia's most popular insurance companies.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $200 | $33 |
Erie | $262 | $44 |
GEICO | $303 | $51 |
State Farm | $344 | $57 |
Progressive | $410 | $68 |
Allstate | $555 | $93 |
Source: The Zebra
Our data shows that 46% of West Virginian drivers insure their vehicles with liability-only coverage. The state requires West Virginian drivers to cary liability limits of at least 25/50/25. This equates to $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage per accident. For a more detailed explanation of West Virginia car insurance limits and related laws.
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Company | Liability Coverage | Full Coverage |
---|---|---|
USAA | $200 | $812 |
Erie | $262 | $949 |
GEICO | $303 | $891 |
State Farm | $344 | $1,147 |
Progressive | $410 | $1,235 |
Allstate | $555 | $1,699 |
Source: The Zebra
Cheap full coverage insurance in West Virginia
In 2024, full coverage insurance in West Virginia averages around $1,037 for a 6-month policy. It's a popular choice among drivers, with 54% of The Zebra's West Virginia customers opting for full coverage quotes.[2]Â
Though pricier than liability insurance, West Virginians seeking the most affordable full coverage should begin their search with Erie and State Farm.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $812 | $135 |
GEICO | $891 | $149 |
Erie | $949 | $158 |
State Farm | $1,147 | $191 |
Progressive | $1,235 | $206 |
Allstate | $1,699 | $283 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Find the best coverage and price in West Virginia with The Zebra.
What are the best car insurance companies in West Virginia?
Based on consumer reviews, third-party ratings (like J.D. Power, Trustpilot, and AM Best), their available discounts and coverage options, and relatively cheap rates, we’ve chosen Erie Insurance as the top car insurance company in West Virginia. Check out the pros and cons of Erie Insurance below, along with a list of other highly rated companies in the state.
Erie Insurance stands out as the best choice for West Virginians not just because of its consistently low average rates, but also for its excellent customer service and extensive coverage options. Erie offers unique perks, like Rate Lock, which helps prevent sudden premium hikes, and flexible payment plans and range of add-ons, such as roadside assistance make Erie a top pick for those looking for both affordability and effective coverage.
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Top customer ratings
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Customizable coverage
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ERIE Rate Lock
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Erie Auto Plus endorsement (diminishing deductible, waved deductible for some claims, extra loss of use coverage )
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Local agents
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Highly competetive prices
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Only available in 12 states (a concern only if you plan to move)
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Limited web-based services (e.g. inability to add Auto ID card to Apple Wallet)
Best car insurance in West Virginia — honorable mentions
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $812 | $135 |
Erie | $949 | $158 |
State Farm | $1,147 | $191 |
Source: The Zebra
How did we pick what company has the "Best Value" in West Virginia?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in West Virginia
- Available coverage options
- The author's 4+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare car insurance rates from the best companies in West Virginia.
West Virginia auto insurance quotes after an accident or ticket
Finding affordable car insurance in West Virginia after an accident can be challenging. Insurers often review your accident and ticket history to assess your risk as a customer. If you’re found at fault, your rates could jump to around $949 per year.
Here’s a look at what some of the top insurance companies in West Virginia might charge after an at-fault accident.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $1,147 | $191 |
Erie | $1,163 | $194 |
GEICO | $1,269 | $212 |
State Farm | $1,416 | $236 |
Progressive | $1,996 | $333 |
Allstate | $2,302 | $384 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
Ideally, you'll never need your insurance, but if you do, a stress-free experience is crucial. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. Erie emerged as a great choice and is worth considering if you live in West Virginia.[4]
In West Virginia, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 77% after a DUI and 20% after a speeding ticket.
See below average auto insurance rates in West Virginia after a few common citations.
Source: The Zebra
The Zebra's guide to West Virginia car insurance laws for high-risk drivers
Some of the violations listed above, like a DUI or driving without insurance, can lead to more complex insurance issues. Below, you’ll find detailed guides on West Virginia’s car insurance laws and regulations to help you navigate these situations.
Learn more about car insurance requirements in the state of West Virginia with our helpful guide.
West Virginia DUI laws
In West Virginia, a DUI offense can increase your annual car insurance premium by an average of $768. That’s 10% less than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in West Virginia
If you're convicted of a DUI or DWI violation in West Virginia, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in West Virginia, GEICO advertises annual rates over 30% less than the statewide average insurance rate with a DUI. The second cheapest insurer for auto insurance after a DUI in West Virginia is Erie.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
GEICO | $1,259 | $210 |
Erie | $1,403 | $234 |
USAA | $1,498 | $250 |
State Farm | $1,610 | $268 |
Progressive | $1,715 | $286 |
Allstate | $2,154 | $359 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy. Learn more about car insurance and DUI infractions here.
West Virginia SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of West Virginia to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in West Virginia might require some research, but it could pay off in the end.
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How to acquire an SR-22 in West Virginia
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
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For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in West Virginia in minutes!
Car insurance in popular West Virginia cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Wheeling, West Virginia, and the most expensive in Huntington, West Virginia.
Have a look at the table below to see average car insurance costs in some of West Virginia's biggest cities.
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City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Wheeling | $926 | $154 |
Morgantown | $951 | $158 |
Parkersburg | $986 | $164 |
Charleston | $1,006 | $168 |
Huntington | $1,019 | $170 |
Source: The Zebra
Car insurance price trends in West Virginia
Year | Avg. Annual Premium | Yearly Change |
---|---|---|
2024 | $1,748 | $30 |
2023 | $1,718 | $9 |
2022 | $1,709 | $211 |
2021 | $1,498 | $69 |
2020 | $1,429 | -$93 |
2019 | $1,522 | -$6 |
2018 | $1,528 | -$268 |
2017 | $1,796 | $234 |
2016 | $1,562 | -$323 |
2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Cheap auto insurance for young drivers in West Virginia
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In West Virginia, teen drivers pay especially high rates: $5,373 per year — that's $577 more than the nationwide average and over twice as much as a typical West Virginia driver.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
GEICO | $1,612 | $269 |
Erie | $2,233 | $372 |
USAA | $2,506 | $418 |
State Farm | $3,975 | $662 |
Progressive | $4,634 | $772 |
Allstate | $5,129 | $855 |
Source: The Zebra
Updating data...
Company | Avg. Monthly Premium | Avg. 6 Mo. Premium |
---|---|---|
GEICO | $357 | $2,143 |
Erie | $458 | $2,747 |
USAA | $629 | $3,774 |
State Farm | $872 | $5,233 |
Progressive | $998 | $5,989 |
Allstate | $1,102 | $6,614 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
West Virginia car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding West Virginia auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN WV
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.