Cheap West Virginia Car Insurance

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

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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. We’ll get you prepped, then you take the wheel.


Affordable Insurance Premiums in West Virginia

What's the cheapest car insurance in West Virginia?
RankCompany NameAvg. Annual Premium
1The Hartford$1,039
3State Farm$1,292
8Motorists Mutual$2,562

Compare quotes from close to 20 insurance companies that provide coverage throughout West Virginia. Enter your ZIP code below to get started.

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Cheap 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$28717.19%
No Accidents$72334.37%
Good Credit$1,04943.15%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$2,10534.37%
Speeding Violation$1,66817.19%
Bad Credit$2,43043.15%

Best 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 auto insurance 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.

Compare top auto insurance companies' fiscal strength and claims satisfaction levels to better predict the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Cal CasualtyNot RatedExcellent
EncompassNot RatedSuperior
Liberty Mutual3Excellent
Motorists MutualNot RatedExcellent
State Farm3Superior
State AutoNot RatedExcellent
The Hartford4Excellent
WestfieldNot RatedExcellent


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What is the Best Auto Insurance Coverage in West Virginia?

The legal auto insurance minimum in West Virginia is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Compare usual expenditures for basic, better, and best car insurance levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
West Virginia$604.36$1,202.27$1,390.17
National Average$657.66$1,241.26$1,397.94

West Virginia Auto Insurance Laws

State minimum insurance requirements in West Virginia

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

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

Driving Laws in West Virginia

West Virginia Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for drivers <18 years old with Learner or Intermediate Licenses
  3. Ban on text messaging for all drivers

West Virginia DUI Laws

The DUI lookback period in West Virginia is 10 years. Multiple offenses within this timeframe subject offenders to harsher penalties. Penalties are also enhanced for DUI offenders whose BAC is 0.15% or higher, for a DUI with a minor passenger, or for DUI leading to injury or death.

First-time DUI offenses in West Virginia lead to:

  • Up to six months in jail
  • $100 to $500 in fines
  • License revocation for 90 days
  • May require the installation and use of an interlock ignition device

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,51077%$1,090
Refused Breathalyzer/Chemical Test$2,49476%$1,074
Reckless Driving$2,29161%$871
Driving with a Suspended License$2,32564%$905
At-Fault Accident$2,12049%$700
Driving with an Open Container$1,86631%$446
Operating a Vehicle Without Permission$1,96839%$548
Passing a School Bus$2,03043%$610
Improper Passing$1,66017%$240
Following Too Closely$1,66017%$240
Failure to Stop at a Red Light$1,66017%$240
Illegal Turn$1,66017%$240
Driving Wrong Way/Wrong Lane$1,66017%$240
Failure to Yield$1,66017%$240
Speeding in a School Zone$1,62815%$208
Driving Too Slowly$1,62815%$208
Distracted Driving$1,64816%$228
Driving with Expired Registration$1,4321%$12
Failure to Show Documents$1,4321%$12
Not-at-Fault Accident$1,4975%$77
Failure to Use Child Safety Restraint$1,4200%$0
Failure to Wear a Seat Belt$1,4200%$0
Driving Without Lights$1,4200%$0

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West Virginia Car Insurance FAQs

Why is car insurance so expensive in West Virginia?

Car insurance costs in West Virginia are actually slightly below the national average. Your individual premium might be high because of individual features related to your driving profile. Shop around and compare rates to find a more competitive price. 

How much does car insurance cost in West Virginia?

On average, state minimum car insurance coverage costs $604 per year in West Virginia. Full coverage costs an average of $1,390 per year.

Do you need car insurance in West Virginia?

Yes. Car insurance is required by law in West Virginia.

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.

RankCityAvg. Annual Premium
4St. Albans$1,493
6Cross Lanes$1,486

Recent West Virginia Car Insurance Questions and Answers

If I buy a vehicle privately will my current auto policy cover this vehicle while driving it home?

Most insurance companies give you 14 days to update the policy with the new vehicle and will cover the new vehicle for those 14 days. Every company is different so make sure to check with your insurance company to for the exact information.

How long do I have to add my new vehicle to my existing policy?

This can vary by company so your best bet is to add the new vehicle as quickly as possible to avoid any issues with your finance company or insurance provider. Generally speaking, there is a 14-30 day window for you to add your vehicle and have it insured from the date of purchase.

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.

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.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and