West Virginia Car Insurance with Bad Credit

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance if you have bad credit. Auto insurance companies use credit tier as a major rating factor, setting policy prices based partially on clients' credit scores. Since auto insurance companies rely on data that show drivers with bad credit are more likely to file auto insurance claims, the companies account for for that extra risk by charging more expensive rates.

Your car insurance costs with bad credit depends on where you live, which insurance company you use, and a variety of other factors. See on this page typical insurance prices for drivers with bad credit in major West Virginia cities and rates from large car insurance companies, followed by tips on how to save on car insurance if you have bad credit in West Virginia.


Car insurance for drivers with bad credit in West Virginia:

  1. Average rates
  2. Prices by city
  3. Costs by company

Car insurance rates with bad credit in West Virginia

Drivers in West Virginia pay an average penalty of $1,193 per year for having a credit score at the low end of the scale. Drivers in the "poor" or "below fair to poor" credit tiers will also face higher-than-average rates.


WEST VIRGINIA CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in West Virginia
Worst$2,571
Poor$2,331
Below Fair to Poor$2,125
Average — All Credit Tiers$1,378

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Car insurance rates with bad credit in West Virginia cities

Car insurance rates will also vary depending on the specific area where you park your car. Insurers look at your address to better understand your likelihood of filing a claim: the more claim-prone your area,, the more you'll pay.

Listed below are major West Virginia cities and their mean car insurance rates for drivers with poor credit ratings.


POOR CREDIT CAR INSURANCE RATES IN WEST VIRGINIA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Charleston$2,463$2,234$2,039
Huntington$2,495$2,261$2,061
Parkersburg000
Morgantown$2,283$2,071$1,891
Wheeling000

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Car insurance companies for bad credit in West Virginia

Another factor that contributes to car insurance rates is the company you buy from. Every auto insurance company prices its policies in a different manner, giving rating factors varying weights in their calculations. Credit is often a significant pricing differentiator between otherwise-similar insurance companies. In West Virginia, the cheapest insurance company for drivers with bad credit is Nationwide, which offers a premium cut of $10 per year in comparison to the second-cheapest company, Westfield.

See rates from leading auto insurance companies in West Virginia for drivers with bad credit.


WEST VIRGINIA CAR INSURANCE PREMIUMS WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit Tier
Nationwide$1,756
Westfield$1,765
State Farm$2,538
GEICO$2,711
Erie$3,019

If you’re facing the prospect of buying auto insurance with bad credit, keep these tips in mind:

  1. Get car insurance quotes
  2. Be smart with your claims
  3. Know what goes into car insurance rates

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