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

The Zebra
Feb. 7, 2019

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

Your auto insurance rates are impacted by factors aside from state lines. Auto insurance premiums price based on an array of factors, including your driving record, credit history, gender, age, and marital status.

We analyzed average West Virginia car insurance premiums by all of the major rating components. Continue reading to learn how much car insurance costs in your state — or submit your zip code to receive tailored rates from leading car insurers.


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Average West Virginia auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Prices in West Virginia by Age Group

It's impossible to avoid: as you age, your auto insurance premiums shift. As a general rule, car insurance is more costly for young drivers and teens, as car insurers see inexperienced drivers as less responsible.

In West Virginia, car insurance runs $6,342 each year for a 16-year-old motorist, but only $1,211 yearly for a driver in their 50s.


WEST VIRGINIA CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage 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

If you're facing the frightful prospect of finding insurance for a teen driver, consider that West Virginia is the 28th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Outlays in West Virginia by Gender

While gender doesn’t carry as significant an impact on auto insurance rates as location or age, it is employed as a pricing factor by car insurance underwriters.


WEST VIRGINIA AUTO INSURANCE PREMIUMS FOR WOMEN AND MEN
GenderAverage Yearly Rate
Male$1,381.43
Female$1,363.19

If you're concerned you aren't getting the best possible value with your current car insurer, the best thing to do is to shop around.




Average Car Insurance Premiums in West Virginia by Marital Status

One pro of getting married — aside from the honeymoon — is the price cut you may get on your car insurance policy. In West Virginia, married motorists save $99 each year on auto insurance. This is more than the national average of $76.


WEST VIRGINIA CAR INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,381.43
Married$1,282.23
Divorced$1,373.45
Widowed$1,333.39

Car insurance for divorced drivers in West Virginia is the 21st most expensive in the nation. If you feel like you're being overcharged for your car insurance, weigh your options. You could save big!


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Average Auto Insurance Prices in West Virginia by Credit Tier

Car insurance companies rely on credit score to get an idea of how reliable a client will be. Data trends show drivers with superior credit scores are more dependable car insurance customers: they less commonly file claims covered by insurance companies.

In the state of West Virginia, a driver who maintains unblemished credit can save $1,207.94 per year on auto insurance rates, compared to a driver saddled with a less-favorable credit score. Learn more about how credit can impact car insurance premiums:


WEST VIRGINIA AUTO INSURANCE COSTS BY CREDIT TIER
Credit TierAverage Yearly 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

Getting cheap car insurance if you have a bad credit history can be difficult. But we're here to provide some help. Review our guide to getting car insurance with poor credit and start saving!




Average Car Insurance Prices for High-Risk Drivers in West Virginia

If you are determined to be at fault for a crash or found guilty of an on-road infraction, your insurance costs are going to rise. The more violations you accumulate, the pricier your car insurance gets.

In West Virginia, your first minor at-fault accident results in an additional $726.38 annually in car insurance payments. A DUI — considered among the most serious driving offenses — can raise your insurance rates in West Virginia by an average of $848.26.


WEST VIRGINIA CAR INSURANCE PREMIUMS AFTER OFFENSES
AgeAverage Yearly Premium
DWI/DUI$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 you're saddled with high car insurance costs, consider policy-shopping to find inexpensive insurance coverage that suits you.




Average Auto Insurance Costs by Coverage Level in West Virginia

The amount you pay every month for auto insurance is dependent on the tier of coverage you select. Liability-only coverage normally is less expensive, while low-deductible comprehensive coverage costs more. In West Virginia, the cost gap between liability-only coverage and full coverage with a $500 deductible is $831.


WEST VIRGINIA AUTO INSURANCE COSTS BY COVERAGE TYPE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$669
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,300
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,487
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$569
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,200
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,387
State Minimum — Liability Only$484
State Minimum — $1,000 Comprehensive/Collision$1,125
State Minimum — $500 Comprehensive/Collision$1,315

If your premiums are above-average, it's worth getting quotes to find affordable insurance coverage that fits your budget.