Are Auto Insurance Rates Going Up or Down in West Virginia?

Personal experience has taught many drivers that car insurance rates commonly increase each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

Location is one of the rating factors insurance companies use to set rates. The local area and state in which a car is parked and driven contribute to auto insurance prices — this comes down to state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing is so multi-faceted, yearly price trends vary by state. Car insurance prices might be rising each year in one state while they decrease one state over.

See below trending car insurance prices in West Virginia. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison tool gathers rates based on your specific profile — enter your ZIP below to get started.


Car insurance rate trends in West Virginia


In West Virginia, the average annual auto insurance premium went up by $30 over the past year. The usual driver in West Virginia now pays an average premium of $1,420 per year.

The year-over-year trend in West Virginia is leaning toward higher auto insurance rates. From 2015 to 2018, rates increased by an average of $54 annually. Meanwhile, insurance rates across the nation have increased steadily in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.


ANNUAL INSURANCE PRICE TRENDS IN WEST VIRGINIA
Year Avg. Annual Premium — West Virginia Yearly Change — West Virginia Avg. Annual Premium — US Yearly Change — US
2018 $1,420 $30 $1,470 $32
2017 $1,390 -$60 $1,437 $69
2016 $1,450 $84 $1,368 $88
2015 $1,366 $1 $1,280 $51
2014 $1,365 -$86 $1,229 $34
2013 $1,451 -$19 $1,195 -$80
2012 $1,470 $50 $1,276 $82

If your rates are rising faster than the average in your state, shop around for a better deal.


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How are car insurance rates trending in major West Virginia cities?


Car insurance policies are priced at a granular geographic level with myriad variables influencing premiums in the area. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. As an example, drivers in Weirton faced a bigger year-over-year rate increase (0.6%) than their intrastate neighbors in Morgantown (0.5%) between 2018 and 2017.

See below annual rate changes in major West Virginia municipalities. If rates are rising in your city — and moving isn't a feasible option — you can get quotes in an effort to find a lower rate.


City Avg. Premium Increase — 2018 vs. 2017
Weirton 0.6%
Morgantown 0.5%
Fairmont 0.4%
Huntington 0.2%
Charleston -0.1%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance