Cheap West Virginia Car Insurance

Find affordable auto insurance that works for you in West Virginia. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in West Virginia

Across the Mountain State, there are 79,144 miles of road just waiting to be driven. Below, learn how much auto insurance costs in West Virginia based on the most common rating factors. Or, let The Zebra help you shop for cheap insurance via our quote comparison tool.


 

Affordable insurance companies in West Virginia

What's the cheapest car insurance in West Virginia?
Rank Company Name Avg. Annual Premium
1 The Hartford $1,039
2 Erie $1,228
3 State Farm $1,292
4 Nationwide $1,361
5 Westfield $1,417
6 Safeco $1,785
7 Progressive $2,117
8 Motorists Mutual $2,562
9 Allstate $2,691
10 Sentry $3,996

Compare quotes from dozens of insurance providers offering coverage throughout West Virginia. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in West Virginia

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. West Virginia drivers without a recent at-fault accident can save 34% on their car insurance premiums, on average — just a bit better than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $287 17.19%
No Accidents $723 34.37%
Good Credit $1,049 43.15%

 

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 16-19 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, the average teen driver pays $5,366 — approximately $400 per year more than the nationwide average and approximately three times more than an older West Virginia driver.

Age Annual Rate with Parents Annual Rate Alone
16 $5,828 $6,342
17 $5,608 $5,835
18 $5,734 $5,169
19 $4,909 $3,510

 

Cheap auto insurance for bad drivers in West Virginia

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 37% after a DUI, 34% after an at-fault accident, and 17% after a speeding ticket in West Virginia. The post-citation penalties assessed by car insurance companies in the Mountain State are similar to nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,105 34.37%
DUI $2,227 37.96%
Speeding Violation $1,668 17.19%
Bad Credit $2,430 43.15%

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Top rated car insurance companies in West Virginia

Each car insurance company boasts about its low costs. But just like with any product or service, the cheapest option isn't always the best choice. Considering the financial stakes, it's worth doing the research to purchase an auto insurance policy that covers your vehicle completely in the event of an incident. Work to find a great value, rather than settling for the cheapest car insurance available.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Cal Casualty N/A N/A Good N/A
Erie Excellent Above average Superior 4.5 / 5
GEICO Average Average Superior 4.4 / 5
Motorists Mutual N/A N/A Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A

West Virginia auto insurance laws

In West Virginia, the state minimum coverage requirement is liability, with limits of:

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per accident
  • Property Damage Liability: $25,000 per accident

Optional coverage in West Virginia (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage

If you choose the minimum coverage level in West Virginia, expect to pay an average of $604 annually. This is cheaper than the nationwide average by 8%. If you choose more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by car crashes, theft, or weather incidents. It's worth noting that better insurance coverage comes at a price: in West Virginia, a comprehensive policy with a $1,000 deductible costs $1,202, 99% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 130% more than you would for basic coverage.

Check out a detailed summary of West Virginia's insurance regulations

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How tickets change insurance rates in West Virginia

If you get a ticket, your auto insurance costs may rise. How much your rates rise depends on the violation's severity, 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.

See below average car insurance rates in West Virginia after some common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,510 77% $1,090
Refused Breathalyzer/Chemical Test $2,494 76% $1,074
DUI $2,494 76% $1,074
Racing $2,427 71% $1,007
Reckless Driving $2,291 61% $871
Driving with a Suspended License $2,325 64% $905
At-Fault Accident $2,120 49% $700
Driving with an Open Container $1,866 31% $446
Operating a Vehicle Without Permission $1,968 39% $548
Passing a School Bus $2,030 43% $610
Improper Passing $1,660 17% $240
Following Too Closely $1,660 17% $240
Speeding $1,658 17% $238
Failure to Stop at a Red Light $1,660 17% $240
Illegal Turn $1,660 17% $240
Driving Wrong Way/Wrong Lane $1,660 17% $240
Failure to Yield $1,660 17% $240
Speeding in a School Zone $1,628 15% $208
Driving Too Slowly $1,628 15% $208
Distracted Driving $1,648 16% $228
Driving with Expired Registration $1,432 1% $12
Failure to Show Documents $1,432 1% $12
Not-at-Fault Accident $1,497 5% $77
Failure to Use Child Safety Restraint $1,420 0% $0
Failure to Wear a Seat Belt $1,420 0% $0
Driving Without Lights $1,420 0% $0

 

West Virginia car insurance FAQs

How much is car insurance in West Virginia?

Auto insurance premiums in West Virginia change based on your driving record and your coverage level. For a 30-year-old driver with no accidents, a six-month full coverage policy costs $695. A liability-only policy costs $302.

What is the cheapest car insurance in West Virginia?

Our data suggest Erie ($519) and The Hartford ($614) offer the cheapest rates for auto insurance in West Virginia.

Does West Virginia require car insurance?

Yes, West Virginia requires every driver to carry at least the minimum liability coverage.

How much does car insurance cost in West Virginia cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Martinsburg, West Virginia, and the most expensive in Beckley, West Virginia.

Rank City Avg. Annual Premium
1 Beckley $1,534
2 Huntington $1,493
3 Dunbar $1,493
4 Charleston $1,491
5 Elkins $1,450
6 Vienna $1,420
7 Fairmont $1,404
8 Clarksburg $1,404
9 Weirton $1,395
10 Martinsburg $1,307

 

Recent Questions:

How long into getting a new policy can I file a claim?

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage.
Dec 9, 2017 Charleston, West Virginia

Where can I find vacant home insurance for my grandmother's house?

Vacant or unoccupied homes are still covered under many homeowners plans. You'll just want to specify that the home is vacant upfront as you search for a new plan.
Jun 9, 2020 Birch River, WV

If I just purchased a vehicle, how many days do I have to insure it?

Technically since you traded in a vehicle that already had an active policy, your new vehicle should be covered. Most insurance companies will automatically cover a new vehicle, for existing policy holders, for a few days until you are able to contact them to change vehicles on your policy.
May 25, 2017 Grafton, WV

My neighbor flooded my apartment, does renters insurance cover the damage?

If you have renters insurance, your policy should cover the damage to your personal property up to the coverage limit. You'd be subject to a deductible if you were to file a claim.
Jul 1, 2020 Granville, WV

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.