Best & Cheapest Car Insurance Quotes in West Virginia (2025)
Erie has the best cheap car insurance in West Virginia, at $113 per month for full coverage.
Find Cheap Auto Insurance Quotes in West Virginia
Best cheap auto insurance in WV
How we chose the top companies
Best and cheapest car insurance in West Virginia
- Cheapest full coverage: Erie, $113/mo
- Cheapest minimum liability: Erie, $36/mo
- Cheapest for young drivers: Erie, $80/mo
- Cheapest after a ticket: Westfield, $123/mo
- Cheapest after an accident: State Farm, $128/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Erie, $93/mo
- Cheapest after a DUI: Erie, $177/mo
- Cheapest for poor credit: Westfield, $175/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of reliable customer service and cheap quotes in West Virginia. Drivers should also compare quotes from State Farm, which also has affordable rates and good service.
Cheapest car insurance in West Virginia: Erie
Erie has the cheapest quotes for full coverage car insurance in West Virginia.
A full coverage policy from Erie costs $113 per month, which is $36 per month less than the West Virginia average.
USAA has even cheaper rates for full coverage insurance, at just $100 per month. However, only military members, veterans and some of their family members can get car insurance from USAA.
Find Cheap Auto Insurance Quotes in West Virginia
The average cost of car insurance in West Virginia is $149 per month for full coverage. That's $26 less than the national average.
Best cheap full coverage auto insurance in West Virginia
Company | Monthly rate | |
|---|---|---|
| Erie | $113 |
| Westfield | $123 |
| State Farm | $128 |
| Progressive | $154 |
| Geico | $173 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance car insurance quotes in WV: Erie
Erie has the cheapest minimum liability car insurance quotes in West Virginia.
At $36 per month, a minimum liability policy from Erie costs $24 per month less than the state average.
Cheapest West Virginia auto insurance
Company | Monthly rate |
|---|---|
| Erie | $36 |
| Westfield | $37 |
| State Farm | $42 |
| Geico | $74 |
| Nationwide | $82 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in West Virginia
Cheap car insurance in WV for young drivers: Erie
Erie is the cheapest option for young drivers shopping for car insurance in West Virginia.
A minimum liability policy from Erie costs $80 per month for an 18-year-old driver. That's less than half the West Virginia average.
Erie also has the cheapest full coverage rates for teen drivers. At $252 per month, full coverage from Erie costs $197 per month less than the state average.
Affordable WV auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $80 | $252 |
| Westfield | $114 | $385 |
| State Farm | $138 | $365 |
| Geico | $165 | $384 |
| Progressive | $215 | $434 |
*USAA is only available to current and former military members and their families.
In West Virginia, 18-year-old drivers pay around three times more for car insurance than 30-year-olds. Insurance companies charge young drivers higher rates because their lack of driving experience makes them more likely to cause an accident.
The best way for West Virginia teens to save money on their car insurance is by sharing a policy with their parents or an older relative. A family policy typically costs much less than two separate policies.
Most car insurance companies also offer discounts geared toward young drivers. For example, Erie offers discounts for drivers under 21 years old who live with their parents or take a driver training course.
Cheap insurance in WV after a speeding ticket: Westfield
Westfield is the cheapest company for West Virginia drivers with a recent speeding ticket. Full coverage from Westfield costs $123 per month, which is $48 per month less than the West Virginia average. However, Westfield doesn't offer online quotes, so you'll have to contact a local agent to compare rates.
If you're looking to get quotes quickly online, you should compare Erie and State Farm instead. Both companies have affordable rates after a ticket and offer online quotes.
Cheapest West Virginia insurance after a ticket
Company | Monthly rate |
|---|---|
| Westfield | $123 |
| Erie | $125 |
| State Farm | $136 |
| Progressive | $191 |
| Geico | $199 |
*USAA is only available to current and former military members and their families.
In West Virginia, drivers with a speeding ticket pay 15% more for car insurance than those with a clean record. That's an average increase of $22 per month for a full coverage policy.
Cheapest insurance in WV after an accident: State Farm
State Farm has the best auto insurance quotes for West Virginia drivers with an at-fault accident. At $128 per month, full coverage from State Farm is $83 per month cheaper than the state average.
Erie also has affordable rates after an accident, at $137 per month, on average.
Affordable WV car insurance companies after an accident
Company | Monthly rate |
|---|---|
| State Farm | $128 |
| Erie | $137 |
| Westfield | $177 |
| Progressive | $239 |
| Geico | $265 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in West Virginia go up by an average of 42% after an accident.
You shouldn't rush to switch insurance companies right after an accident. Your rates won't increase until your current policy renews. However, any quotes you get will consider your accident, so they'll probably be more expensive than your current rate.
Instead, wait until you get your renewal offer in the mail or via email before you shop for a new policy. This typically arrives a few weeks to a month before your current policy expires. Then, you should compare quotes from multiple companies to find the best price for you.
Cheapest WV insurance for teens with a speeding ticket or accident: Erie
Erie offers the cheapest rates for young drivers in West Virginia with a speeding ticket or recent at-fault accident.
After a speeding ticket, Erie charges teens $93 per month for minimum liability insurance. That's less than half the West Virginia state average.
Minimum liability coverage from Erie costs $95 per month after an at-fault accident, which is also less than half the state average.
Cheapest car insurance in WV for teens with a bad driving record
Company | Ticket | Accident |
|---|---|---|
| Erie | $93 | $95 |
| Westfield | $114 | $130 |
| State Farm | $150 | $138 |
| Geico | $183 | $234 |
| Progressive | $232 | $253 |
*USAA is only available to current and former military members and their families.
Young drivers in West Virginia see increases of about 10% after a ticket, or 20% after a crash. This is because insurance companies believe teens with a recent ticket or crash are more likely to cause a crash in the future.
Cheap auto insurance for West Virginia drivers with a DUI: Erie
Erie has the cheapest quotes in West Virginia for drivers with a DUI, at $177 per month for full coverage. That's $83 per month less than the average rate statewide.
Best rates from WV car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Erie | $177 |
| Progressive | $213 |
| State Farm | $261 |
| Westfield | $285 |
| Allstate | $289 |
*USAA is only available to current and former military members and their families.
Car insurance quotes are 74% more expensive for drivers with a DUI in West Virginia. A DUI is one of the most serious driving offenses, and insurance companies believe that people with a DUI are much more likely to make an insurance claim.
Low-cost car insurance in WV for drivers with poor credit: Westfield
Westfield has the best quote for West Virginia drivers with poor credit, at $175 per month for full coverage. This is $110 per month cheaper than average.
Although Westfield doesn't offer online quotes, its cheap rates make up for the extra time it takes to speak with an agent. Progressive is the cheapest company with online quotes for drivers with a DUI in West Virginia, but its rates are still $77 per month more than Westfield's.
Cheapest WV car insurance with poor credit
Company | Monthly rate |
|---|---|
| Westfield | $175 |
| Progressive | $252 |
| Nationwide | $254 |
| Geico | $255 |
| Erie | $262 |
*USAA is only available to current and former military members and their families.
Drivers in West Virginia with poor credit pay an average of 91% more for full coverage insurance than those with a good credit score. This is because insurance companies believe drivers with poor credit scores are more likely to file an insurance claim.
Best car insurance in West Virginia
Erie is the best car insurance company in West Virginia for most people.
Erie customers are typically happy 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 reliable service. USAA is only available to current military members, veterans and some of their family members, but it's a great choice if you're eligible.
Top insurance companies in West Virginia
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Erie | 700 | A+ | |
| State Farm | 657 | A++ | |
| Nationwide | 641 | A | |
| Geico | 637 | A++ |
Average car insurance quotes in WV by city
Martinsburg, the largest city in the eastern panhandle, has the cheapest car insurance in West Virginia.
The average cost of car insurance in Martinsburg is $130 per month for a full coverage policy.
Kermit, a very small town on the West Virginia - Kentucky border, has the most expensive rates in the state, at $186 per month.
Average car insurance quotes in West Virginia by city
City | Monthly rate | % from average |
|---|---|---|
| Accoville | $169 | 11% |
| Adrian | $155 | 2% |
| Advent | $151 | 0% |
| Albright | $153 | 1% |
| Alderson | $141 | -7% |
How much you'll pay for car insurance changes based on where you live. For instance, you might pay more if your city has poorly maintained roads, which may lead to more accidents, or if you live in an area with a lot of car thefts.
What is the minimum insurance 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, West Virginia drivers also need uninsured motorist insurance, which covers you if you're in an accident with an uninsured driver.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage: $25,000 per accident
What's the best car insurance coverage for West Virginia drivers?
Most drivers in West Virginia should get full coverage car insurance.
Minimum coverage meets West Virginia's minimum legal requirements for car insurance, but it doesn't protect you or your vehicle.
Full coverage includes collision and comprehensive insurance. These coverages pay for damage to your car after a crash, theft, vandalism or a natural disaster — regardless of who's at fault.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. They're also a good idea if your car is newer than 8 years old, or worth more than $8,000.
If you choose lower liability coverage limits and skip comprehensive and collision coverage, you'll save money, but you risk having to pay more if your car is damaged in an at-fault crash.
For example, if you crash into and total a brand new pickup truck, $25,000 of property damage liability probably won't be enough to pay for a new vehicle for the other driver. If you only have minimum liability insurance, you'll have to pay the difference.
Frequently asked questions
What is the cheapest car insurance in WV?
Erie has the cheapest full coverage car insurance rates in West Virginia, at $113 per month. It also has the cheapest minimum liability coverage, at $36 per month.
How much is car insurance in West Virginia?
Car insurance in West Virginia costs an average of $149 per month for full coverage insurance. Minimum liability coverage costs $60 per month.
What is full coverage insurance in WV?
Full coverage insurance usually means that you get liability insurance plus collision and comprehensive coverage, which pay for many types of damage to your car, regardless of who causes it. Typically with full coverage, you also choose higher liability limits than the state requirements. This can be very important if you cause an expensive accident because the minimum liability limits may not cover the full cost.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across West Virginia for the largest insurance companies in the state. Quotes are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Full coverage rates are for a policy with liability coverage above the minimum limits, plus collision and comprehensive coverage.
- $50,000 of bodily injury liability coverage per person and $100,000 per accident
- $25,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person and $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 insurance company 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.
