What's the Average Cost of Car Insurance in West Virginia?

The Zebra
Oct. 11, 2018

Car insurance is typically inexpensive in West Virginia. The average car insurance rate in West Virginia is $1,378 per year — 3.4% less than the national average.

Your car insurance costs are affected by factors aside from state lines. Auto insurance premiums take into account a number of factors, including the insured party's driving record, credit history, gender, age, and marital status.

We assessed average West Virginia auto insurance rates by all of the main rating components. Read on to learn how much car insurance costs in each state — or enter your zip to view tailored prices from leading insurers.


Average Car Insurance Premiums in West Virginia by Age

It’s a fact of life: as you age, your car insurance prices change. Generally speaking, car insurance is more expensive for young drivers, as insurers view newer motorists as more risky.

In West Virginia, auto insurance runs $6,342 per year for a 16-year-old motorist, compared to $1,211 yearly for a driver in their 50s.


WEST VIRGINIA CAR INSURANCE COSTS BY AGE
Age Average Annual Rate
16 $6,342.28
17 $5,835.45
18 $5,168.63
19 $3,510.07
20s $1,876.88
30s $1,362.80
40s $1,312.02
50s $1,211.00
60s $1,238.82
70s $1,523.58



Average Car Insurance Outlays in West Virginia by Gender

While gender does not have as sizable an impact on car insurance prices as a driver's location or age, it is used as a rating factor. Women pay less than do men for car insurance in West Virginia, but the difference is just $18.24 per year.

WEST VIRGINIA CAR INSURANCE PREMIUMS FOR MEN AND WOMEN
Gender Average Yearly Premium
Male $1,381.43
Female $1,363.19



Average Auto Insurance Rates in West Virginia by Marital Status

One benefit of getting hitched — in addition to the honeymoon — is the lower prices you may receive on insurance. In West Virginia, married motorists save $99 per year on car insurance. This is a better deal than the national post-wedding price break of $76.


WEST VIRGINIA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,381.43
Married $1,282.23
Divorced $1,373.45
Widowed $1,333.39



Average Car Insurance Prices in West Virginia by Credit Score

Auto insurers rely on credit score as a prediction of a potential customer's insurability. Data show drivers with exceptional credit scores are more dependable car insurance clients: they less frequently file claims covered by insurance companies.

In West Virginia, a motorist boasting excellent credit can save $1,207.94 annually on car insurance, versus a driver saddled with a poor credit score. Learn more about how credit affects car insurance costs:


WEST VIRGINIA AUTO INSURANCE RATES BY CREDIT TIER
Credit Score Average Annual Premium
Very Poor (300-579) $2,430.04
Fair (580-669) $2,046.18
Good (670-739) $1,723.72
Very Good (740-799) $1,441.49
Exceptional (800-850) $1,222.10



Average Auto Insurance Premiums for Bad Drivers in West Virginia

If you are determined to be at fault after an accident or found guilty of an on-road infraction, your auto insurance premiums are bound to climb. The more violations you amass, the pricier your car insurance becomes.

In West Virginia, your first minor at-fault accident results in an additional $726.38 each year in car insurance premiums. A DUI — considered among the most grievous driving infractions — can raise your annual car insurance costs in West Virginia by as much as $848.26.


WEST VIRGINIA AUTO INSURANCE COSTS WITH VIOLATIONS
Age Average Yearly Rate
DUI or DWI $2,226.70
Reckless Driving $2,432.31
At-Fault Accident (<$1,000) $2,104.81
At-Fault Accident ($1,000-$2,000) $1,589.95
At-Fault Accident (>$2,000) $2,104.81
Open Container $1,450.88
Speeding (21-25 MPH > limit) $1,395.60
Speeding (16-20 MPH > limit) $1,300.02

If your premiums are above-average, consider weighing rates to find affordable insurance coverage that works.


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