Best & Cheapest Car Insurance Quotes in West Virginia (2024)
State Farm has the best cheap car insurance in West Virginia, at $106 per month, or $1,268 per year for full coverage.
Find Cheap Auto Insurance Quotes in West Virginia
Best car insurance companies in West Virginia
To find the best cheap car insurance for drivers in West Virginia, ValuePenguin editors gathered quotes from top insurance companies across each ZIP code in the state.
Quotes for minimum coverage meet WV state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in property damage protection and uninsured motorist coverage that matches these limits. Full-coverage quotes include comprehensive and collision coverage, plus higher liability limits than the state minimums.
In addition, our experts ranked the best West Virginia car insurance companies based on coverage availability, customer service reviews, affordability and convenience.
Cheapest car insurance in West Virginia: State Farm
State Farm has the cheapest quotes for full coverage in West Virginia, with an average rate of $106 per month, or $1,268 per year.
Erie is just a few cents more per month, at $1,272 per year. They're both excellent companies that offer affordable coverage and great service, and they're each about 25% cheaper than the state average.
The average cost of car insurance in West Virginia is $142 per month for full coverage.
Find Cheap Auto Insurance Quotes in West Virginia
Best full coverage car insurance in WV
Company | Monthly rate | |
|---|---|---|
| State Farm | $106 |
| Erie | $106 |
| Westfield | $123 |
| Progressive | $158 |
| Geico | $168 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in West Virginia: Erie
Erie has the cheapest minimum-coverage car insurance quotes in West Virginia, at an average price of $33 per month, or $399 per year.
Erie's price is 39% lower than the statewide average of $55 per month. The most expensive company, Progressive, offers minimum coverage for $91 per month.
Cheapest WV car insurance companies
Company | Monthly rate |
|---|---|
| Erie | $33 |
| State Farm | $35 |
| Westfield | $37 |
| Nationwide | $71 |
| Allstate | $72 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in West Virginia
Cheapest car insurance for young drivers in West Virginia: Erie
Erie is the cheapest option by far for young drivers shopping for car insurance in West Virginia. Erie offers the cheapest quote for both full and minimum coverage, at $73 and $234 per month, respectively. Westfield and State Farm are the second-cheapest options, but they are both much more expensive.
The average cost of car insurance for an 18-year-old driver in West Virginia is $174 per month for a minimum liability policy.
Insurance companies charge young drivers higher rates because they are involved in crashes more often. The average monthly cost of a full-coverage car insurance policy is $467 in West Virginia for young drivers, or 230% higher than the rate for an older driver.
Cheapest WV car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $73 | $234 |
| Westfield | $114 | $385 |
| State Farm | $116 | $304 |
| Geico | $168 | $376 |
| Allstate | $238 | $700 |
Cheapest car insurance for West Virginia drivers with a speeding ticket: State Farm
State Farm is the cheapest company for drivers with a history of speeding in West Virginia, with an average rate of $112 per month for full coverage. Allstate has the most expensive quotes after a ticket, with an average cost of $212 per month.
Cheapest WV car insurance for tickets
Company | Monthly rate |
|---|---|
| State Farm | $112 |
| Erie | $116 |
| Westfield | $123 |
| Geico | $193 |
| Progressive | $208 |
In West Virginia, drivers with a speeding ticket on their record pay $163 per month on average for insurance — 15% more than a driver without any tickets.
Cheapest car insurance in WV after an accident: State Farm
State Farm is the best company for cheap full-coverage auto insurance quotes for West Virginia drivers with an accident history. The company's rate of $120 per month is 40% cheaper than the average overall. But it's only $9 per month cheaper than the next-best company, Erie, which is worth a look, too.
Cheapest WV car insurance companies after an accident
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Erie | $128 |
| Westfield | $177 |
| Progressive | $247 |
| Geico | $258 |
Drivers who are responsible for a recent crash are statistically more likely to be involved in another crash in the future, so your rates will likely go up after an at-fault accident. The good news is your rates will decrease gradually over time, and will usually return to normal after about three years.
Just one claim filing on your driving record can increase your car insurance quotes by 42%, as companies will likely view you as a higher-risk driver.
Cheapest for teen drivers with a speeding ticket or recent crash in WV: Erie
Erie offers the cheapest rates for a young driver in West Virginia who has been caught speeding, or with a recent at-fault accident.
After a speeding ticket, Erie charges a young driver $85 per month for minimum coverage, on average. This is 55% below the state average, or a savings of $105 per month.
And after an at fault crash, Erie's typical rate is just $87. That's less than half the state average.
Insurance companies have determined that younger drivers with a recent driving incident on their record, like a speeding ticket or at-fault crash, are more likely to be involved in a crash in the future. That's why younger drivers see increases of about 9% after a ticket, or 20% after a crash.
Cheapest WV car insurance for teens with tickets
Company | Ticket | Accident |
|---|---|---|
| Erie | $85 | $87 |
| Westfield | $114 | $130 |
| State Farm | $126 | $138 |
| Geico | $185 | $239 |
| Allstate | $274 | $291 |
Cheapest car insurance for West Virginia drivers with a DUI: Erie
Erie has the cheapest rate in West Virginia if you've been caught driving under the influence, at $166 per month for full coverage. That's 34% less than the average rate statewide. Progressive, the next-cheapest company, charges about $54 per month more than Erie.
Car insurance quotes are 76% more expensive for drivers with a DUI in West Virginia. A DUI is one of the most serious driving offenses, and insurers have found that people who've been convicted of one are much more likely to make an insurance claim.
Cheapest WV car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Erie | $166 |
| Progressive | $219 |
| State Farm | $249 |
| Allstate | $257 |
| Westfield | $285 |
Cheapest car insurance for drivers with poor credit: Westfield
Westfield has the best quote for a West Virginia driver with poor credit, at $175 per month for full coverage. This is 32% cheaper than average.
If you have poor credit, the average cost of a full-coverage policy is 83% more each month in West Virginia compared to a driver with good credit. This is because insurance companies believe that drivers with a poor credit score are more likely to file an insurance claim.
Cheapest WV car insurance with poor credit
Company | Monthly rate |
|---|---|
| Westfield | $175 |
| Erie | $245 |
| Geico | $248 |
| Nationwide | $253 |
| Progressive | $258 |
Best auto insurance companies in West Virginia
In West Virginia, Erie is the best car insurance company overall.
Erie customers are routinely satisfied with their claims service, and the company has a great overall mix of low rates, helpful staff and useful coverages.
State Farm and USAA are also good companies with similarly excellent service.
USAA is only available to military members and their families, but it's a great choice if you're eligible.
Best WV car insurance companies
Company |
Editor's rating
|
J.D. Power
|
A.M. Best
|
|---|---|---|---|
| Erie | 871 | A+ | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
Average car insurance cost in West Virginia by city
The cheapest city in West Virginia for car insurance is Martinsburg, at $123 per month, while Kermit has the most expensive quote, at $177 per month.
The price of car insurance in West Virginia varies by up to $54 per month, depending on where you live.
How much you'll pay for car insurance changes based on location. For instance, you might pay more if your city has poorly maintained roads, which may lead to more accidents, or if there are a lot of car thefts in your area.
Average monthly car insurance quotes by city in WV
City | Monthly rate | % from average |
|---|---|---|
| Accoville | $164 | 16% |
| Adrian | $144 | 2% |
| Advent | $140 | -1% |
| Albright | $141 | -1% |
| Alderson | $133 | -6% |
Minimum auto insurance requirements in West Virginia
Drivers in West Virginia need to have a minimum amount of liability car insurance to legally drive, often written as 25/50/25. In addition to standard liability insurance, West Virginia drivers also need uninsured motorist insurance, which covers you if you're in an accident with an uninsured driver.
Car insurance coverage | WV minimum limits |
|---|---|
| $25,000 per person; $50,000 per accident | |
| $25,000 per accident | |
| $25,000 per person; $50,000 per accident | |
|
Uninsured/underinsured motorist property damage | $25,000 per accident |
While your auto insurance policy may meet West Virginia's minimum state requirements, drivers with newer cars or long commutes should have higher liability limits and comprehensive and collision coverage.
Having a minimum-coverage plan may not be enough to pay for all the damage after an expensive accident.
What's the best car insurance coverage for West Virginia drivers?
Full vs. minimum coverage
Minimum coverage meets West Virginia's minimum legal requirements for car insurance, but it doesn't protect you or your vehicle.
Collision and comprehensive insurance cover damage to your car after a crash, theft, vandalism or natural disaster — regardless of who's at fault.
If you choose lower liability coverage limits and skip comprehensive and collision coverage, you'll save money, but you risk having to pay if your car is damaged in an at-fault crash.
The average cost difference between full and minimum coverage in West Virginia is $87 per month — full coverage is about one and a half times more expensive.
Frequently asked questions
What's the cheapest car insurance in West Virginia?
State Farm has the cheapest car insurance rates in West Virginia for full coverage, at $106 per month. Erie is the cheapest for minimum coverage, at $33 per month.
How much is car insurance in West Virginia?
Car insurance in West Virginia costs an average of $659 per year, or $55 per month, for minimum coverage. Full coverage costs $1,701 per year, or $142 per month.
Is West Virginia car insurance cheaper than Maryland car insurance?
Yes, car insurance in West Virginia is cheaper than car insurance in Maryland. Rates in West Virginia are 40% cheaper for minimum coverage and 17% cheaper for full coverage.
Methodology
We collected thousands of rates from ZIP codes across West Virginia for the largest insurance companies. Quotes, unless otherwise noted, are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Unless otherwise mentioned, policies in this article are for full coverage with liability coverage above the minimum limits, plus collision and comprehensive coverage.
- $50,000 of bodily injury liability coverage per person; $100,000 per accident
- $25,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage for bodily injury per person; $100,000 per accident
- $25,000 of uninsured motorist property damage coverage
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only, Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.