Car Insurance for Good Drivers in West Virginia

The Zebra
July 15, 2019

Auto insurance for low-risk drivers in West Virginia

Many of the factors that contribute to your car insurance rates lie beyond your control, including your gender, age, and location. There are, however, factors you can more easily alter in pursuit of lower rates.

To ensure you keep your car insurance cheap, consider keeping your driving record squeaky clean, your credit score high, and your monthly driving mileage on the low end. Auto insurance companies provide premium price cuts to customers who present relatively little risk, so low-risk driving behaviors can lead to a price cut.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in West Virginia.

Car insurance rates for drivers with no citations in West Virginia

One way to reduce your auto insurance rates is to avoid tickets and citations. Insurers view safe drivers as less risky customers, in turn charging them less. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your search for insurance with State Farm, with an average annual rate of $998. That totals $422less than the average car insurance rate for citation-free drivers in West Virginia.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN WEST VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$998
Erie$1,059
Westfield$1,256
Nationwide$1,384
GEICO$1,960
Progressive$1,977
Encompass$2,180
Motorists Mutual$2,230

Car insurance rates for drivers with above-average credit in West Virginia

Auto insurance companies reward clients who maintain a solid credit history. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If you have a "good" credit score (670-739), your top option for car insurance in West Virginia could be State Farm, offering an average annual rate of $998. If your credit score is in the “excellent” range, State Farm could be a good company with which to start your search. State Farm's premiums for clients who have credit scores of 800 and up are $412 per year less than the typical car insurance premium for drivers with excellent credit in West Virginia.

Find below a breakdown of auto insurance rates in West Virginia for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN WEST VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$998
Erie$1,059
Westfield$1,256
Nationwide$1,384
GEICO$1,960
Progressive$1,977
Encompass$2,180
Motorists Mutual$2,230

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN WEST VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$889
Erie$918
Westfield$1,187
Nationwide$1,332
Progressive$1,813
GEICO$1,862
Motorists Mutual$2,060
Encompass$2,137

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN WEST VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$794
Erie$879
Westfield$1,118
Nationwide$1,273
Progressive$1,463
GEICO$1,768
Metropolitan$1,933
Motorists Mutual$1,955

Compare rates from top companies!

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Car insurance for low-mileage drivers in West Virginia

The more infrequently you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to assign lower premiums to drivers who use their cars infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a resident of West Virginia who drives less than 7,500 miles per year, consider State Farm, offering average annual savings of $510 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN WEST VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
State Farm$910
Erie$956
Westfield$1,256
Nationwide$1,384
GEICO$1,791
Progressive$1,977
Motorists Mutual$2,046
Encompass$2,180

Start your search today — compare rates now!

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Rates for good drivers in West Virginia — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Car insurance companies price policies by the driver’s home ZIP code, adjusting prices for the risk levels associated with various regions.

Find below a summary of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Morgantown$1,319$1,319$1,244$1,174$1,324
Fairmont$1,361$1,361$1,283$1,212$1,384
Weirton$1,418$1,418$1,338$1,265$1,425
Charleston$1,436$1,436$1,354$1,279$1,453
Huntington$1,484$1,484$1,398$1,321$1,514

Find an affordable policy today!

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