Temporary Car Insurance in West Virginia

The Zebra
Jan. 18, 2019

If you're looking for insurance flexibility, you could be interested in a temporary auto insurance policy. However, temporary auto insurance agreements are rare for a few reasons.

Firstly, major insurance companies won't draw up contract terms for periods shorter than six months. As car insurance coverage is required by law in every state but one, it can be risky to hop between policies. Additionally, you risk having lapses in your car insurance record by swapping policies with frequency, which could lead to more expensive premiums in the future.

There's some good news: car insurance contracts typically last for only a half-year. This quick turnaround allows insurers to re-rate — or re-price — your policy considering your current driving profile and demographic profile.

It also stands as the perfect chance for you to improve your insurance by looking into other companies. Getting quotes online is easy and complimentary, and there’s no penalty for trading car insurance companies when your policy expires — or even mid-policy, assuming you never let your insurance lapse.


Find a short-term policy today!


The flexible nature of car insurance means it's relatively easy to find with limited advance notice. If you're asked to purchase a policy before you can drive a new car away, shopping for coverage for a relatively long-term auto rental, or searching for coverage on a car you don't own but regularly drive, consider purchasing a half-year policy and ending the term as needed.

See below typical auto insurance premiums in West Virginia, organized by major auto insurance companies and cities. If your bills exceed what you see below, consider other options.


TEMPORARY CAR INSURANCE RATES IN WEST VIRGINIA — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
West Virginia State Average — All Companies$689$115
Erie$512$85
State Farm$1,088$181
Westfield$723$120
Nationwide$752$125
GEICO$928$155

The most affordable option for single-month auto insurance in West Virginia is Erie, which can save you $96 each month, compared to the next-best choice, State Farm. In West Virginia, the average monthly cost of car insurance is $115, or $689 over a six-month contract.

Where you drive can have as great an influence on your insurance rates as the insurance company you choose. Car insurance companies weigh the frequency of claims in a given area when drafting prices by ZIP code. View insurance rates in West Virginia's most populous cities and compare how much you pay.


SHORT-TERM AUTO INSURANCE RATES IN WEST VIRGINIA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Charleston$662$110
Huntington$670$112
Parkersburg$660$110
Morgantown$628$125
Wheeling$633$105

If your rates don’t align with the above, take some time to weigh your options. The temporary duration of a car insurance contract adds to the importance of remaining informed and ready to shop.

Find out more about temporary car insurance or use The Zebra to compare rates today.


Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.