Who Has the Cheapest Car Insurance Quotes in West Virginia? (2020)

Find Cheap Auto Insurance Quotes in Your Area

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The average cost of minimum-coverage car insurance in West Virginia is $685 per year, or $57 per month.

Cheapest car insurance companies in West Virginia

The cheapest minimum-coverage car insurance quotes in West Virginia are offered by:

  • Westfield
  • Erie
  • Allstate
This graph shows the three cheapest auto insurance companies in West Virginia compared to the state average.
This graph shows the three cheapest auto insurance companies in West Virginia compared to the state average.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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These three carriers have average car insurance rates of $474 per year, or $39 per month — 32% cheaper than the West Virginia average.

The insurers with the most expensive quotes in West Virginia are:

  • Allstate
  • Nationwide
  • Progressive

These West Virginia insurance companies offer average annual quotes of $934, or 36% more than the state average.

RankInsurerCar insurance quote
1Westfield$385
2State Farm$497
3Erie$511
4GEICO$801
5Allstate$837
6Nationwide$883
7Progressive$1,081
N/AUSAA$481

Minimum coverage meets West Virginia's minimum legal requirements for car insurance.

Full coverage includes comprehensive and collision insurance, whereas minimum coverage does not.

Collision and comprehensive insurance covers property damage to your automobile following collision, theft, vandalism or a natural disaster — regardless of who's at fault.

If you choose lower liability coverage limits and forgo comprehensive and collision coverage, then you risk having insufficient protection after a costly accident.

The average cost difference between full and minimum coverage in West Virginia is $1,447 per year, or $121 per month.

Cheapest full-coverage car insurance: State Farm

The cheapest insurers for full coverage auto insurance in West Virginia are:

  • State Farm: $1,368
  • Westfield: $1,598
  • GEICO: $2,134

These insurers were the most affordable in West Virginia, as average annual quotes were $1,700 per year, or $142 per month. That's 20% less than the annual state average of $2,131.

The most expensive West Virginia insurers for full coverage are:

  • Allstate
  • Progressive
  • Nationwide

Cheapest full-coverage car insurance with a prior accident: State Farm

West Virginia drivers with an accident history can find cheap full-coverage auto insurance quotes at State Farm, Westfield and Nationwide.

The average annual premium with these insurers is $2,093 per year, or 28% less than the state average.

RankInsurerQuote before accidentQuote after accidentDifference
1State Farm$1,368$1,598$230
2Westfield$1,598$2,296$698
3Nationwide$2,386$2,386$0
4Erie$2,167$2,736$569
5GEICO$2,134$3,254$1,120
6Progressive$2,610$4,405$1,795
7Allstate$3,144$4,524$1,380
N/AUSAA$1,643$1,944$301
Quotes shown are for an at-fault accident causing $2,000 in property damage.

Just one claim filing on your record can increase your car insurance rate, as carriers are likely to view you as a higher-risk driver.

The annual difference in West Virginia car insurance quotes for full coverage with no accident history compared to a policy with one accident was $762 per year, or $64 per month.

Accident historyAnnual rate
No accidents$2,131
One accident$2,893

Best auto insurance companies in West Virginia

The best insurers typically have high customer service ratings. The National Association of Insurance Commissioners (NAIC) measures this using a complaint ratio. According to NAIC data, the best auto insurance companies in West Virginia were:

  • Nationwide
  • State Farm
  • Allstate

State Farm had fewer complaints relative to its peers and was among the cheapest insurers for several policy types in our study.

RankInsurerComplaint ratio
1Nationwide0.43
2State Farm0.57
3Allstate0.63
4USAA0.84
5Erie0.91
6GEICO0.92
7Progressive1.04
8Westfield1.83

To find the best car insurers near you in West Virginia, we used the complaint ratio to compare the number of complaints a company received per $1 million in premiums written.

The lower the ratio, the better the company is performing in terms of complaints, and we infer from this how satisfied customers are with their provider.

Minimum auto insurance requirements in West Virginia

Drivers in West Virginia need to carry a minimum amount of car insurance in order to legally drive.

In addition to standard liability insurance, West Virginia drivers also need uninsured motorist insurance, which covers you in the event of an accident with an uninsured driver.

West Virginia's minimum car insurance coverage limits are as follows:

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident
  • Uninsured motorist property damage liability: $25,000

While your auto policy may meet West Virginia's minimum state requirements, we recommend purchasing both higher liability limits and comprehensive and collision coverage. Having a minimum-coverage plan means you might not have enough protection following an expensive accident.

Cheapest car insurance companies in West Virginia by city

The best car insurance quotes in West Virginia can vary depending on where you live. Typically, however, the cheapest auto insurers in West Virginia cities were:

  • State Farm
  • Westfield
  • GEICO

Current or former service members and their families may qualify for even cheaper auto quotes with USAA, which only provides policies to eligible customers.

Your quotes may differ based on your own background, policy type and desired liability limits.

The table below shows a local version of the cheapest car insurance companies in West Virginia for full-coverage policies. We've shown which three carriers have the best auto insurance rates within the state's largest cities.

CityInsurerAnnual car insurance quote
BarboursvilleState Farm$1,397
Westfield$1,399
Erie$2,139
BeckleyState Farm$1,471
Westfield$1,609
Erie$2,041
BethlehemState Farm$1,214
Westfield$1,355
GEICO$1,846
BluefieldState Farm$1,350
Westfield$1,609
Erie$2,041
BridgeportState Farm$1,241
Westfield$1,467
GEICO$1,882
BuckhannonState Farm$1,302
Westfield$1,742
GEICO$1,882
Charles TownState Farm$1,231
Westfield$1,302
GEICO$1,755
CharlestonState Farm$1,335
Westfield$1,453
GEICO$2,056
ChesterState Farm$1,199
Westfield$1,369
GEICO$1,962
ClarksburgState Farm$1,311
Westfield$1,467
GEICO$1,882
DunbarState Farm$1,291
Westfield$1,453
GEICO$2,056
ElkinsState Farm$1,309
Westfield$1,742
GEICO$1,926
FairmontState Farm$1,288
Westfield$1,386
GEICO$1,882
FayettevilleState Farm$1,270
Westfield$1,609
Erie$2,041
FollansbeeState Farm$1,316
Westfield$1,363
GEICO$1,962
GraftonState Farm$1,346
Westfield$1,742
GEICO$1,882
GranvilleState Farm$1,250
Westfield$1,378
GEICO$1,766
HintonState Farm$1,291
Westfield$1,574
Erie$1,925
HuntingtonWestfield$1,399
State Farm$1,412
Erie$2,139
HurricaneState Farm$1,282
Westfield$1,446
GEICO$1,925
KenovaWestfield$1,399
State Farm$1,424
Erie$2,139
KeyserState Farm$1,116
Westfield$1,453
Erie$1,801
KingwoodState Farm$1,320
Westfield$1,742
GEICO$1,926
MadisonState Farm$1,565
Westfield$1,609
Erie$2,041
ManningtonState Farm$1,326
Westfield$1,386
GEICO$1,882
MartinsburgState Farm$1,143
Westfield$1,302
GEICO$1,755
MiltonState Farm$1,376
Westfield$1,419
GEICO$2,136
MoorefieldState Farm$1,125
Westfield$1,453
GEICO$1,926
MorgantownState Farm$1,259
Westfield$1,378
GEICO$1,766
MoundsvilleState Farm$1,296
Westfield$1,474
GEICO$1,846
New MartinsvilleState Farm$1,267
Westfield$1,474
GEICO$2,136
Paden CityState Farm$1,251
Westfield$1,474
GEICO$2,136
PetersburgState Farm$1,182
Westfield$1,453
Erie$1,925
PhilippiState Farm$1,357
Westfield$1,742
GEICO$1,882
Point PleasantState Farm$1,300
Westfield$1,474
GEICO$2,136
PrincetonState Farm$1,355
Westfield$1,609
Erie$2,041
RansonState Farm$1,227
Westfield$1,302
GEICO$1,755
RavenswoodState Farm$1,237
Westfield$1,474
GEICO$2,136
RichwoodState Farm$1,277
Westfield$1,574
GEICO$1,926
RipleyState Farm$1,246
Westfield$1,474
GEICO$2,136
SpencerState Farm$1,371
Westfield$1,716
GEICO$2,226
St. AlbansState Farm$1,339
Westfield$1,453
GEICO$2,056
SummersvilleState Farm$1,297
Westfield$1,574
GEICO$1,926
ViennaState Farm$1,335
Westfield$1,437
Erie$2,022
WeirtonState Farm$1,227
Westfield$1,363
GEICO$1,962
WellsburgState Farm$1,359
Westfield$1,363
GEICO$1,962
WestonState Farm$1,299
Westfield$1,592
GEICO$1,882
White Sulphur SpringsState Farm$1,128
Westfield$1,574
Erie$1,925
WilliamsonState Farm$1,685
Westfield$1,748
GEICO$2,533
WinfieldState Farm$1,358
Westfield$1,446
GEICO$1,925

To help you find the best rates in West Virginia, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Charleston, WV

  • Average annual auto insurance quote in Charleston = $2,061
  • 3% cheaper than West Virginia average

We recommend drivers looking to save money on their auto insurance start by comparing quotes from State Farm, Westfield and GEICO.

These companies offered the most affordable local auto insurance quotes, averaging $1,165 per year. That's 22% less than what a typical Charleston driver would have spent and translates to an extra $465 of savings per year.

Cheap car insurance in Huntington, WV

  • Average annual auto insurance quote in Huntington = $2,081
  • 2% cheaper than West Virginia average

Car insurance rates in Huntington were similar to the West Virginia state average. We still recommend drivers compare quotes from multiple insurers, as carriers vary substantially in the rates offered to customers. For example, a policy with the most expensive insurer in our sample, Allstate, cost $1,721 more annually than that of the cheapest, Westfield.

Cheap car insurance in Morgantown, WV

  • Average annual auto insurance quote in Morgantown = $1,916
  • 10% cheaper than West Virginia average

Car insurance in Morgantown was generally less costly than statewide. Still, drivers looking to save on their premiums should consider obtaining quotes from several carriers. The three most expensive insurers in Morgantown averaged $2,525 annually, or 32% more than the city average.

Cheap car insurance in Weirton, WV

  • Average annual auto insurance quote in Weirton = $1,806
  • 15% cheaper than West Virginia average

Weirton is among the best West Virginia cities for cheap car insurance quotes. We nonetheless recommend that Weirton drivers compare quotes to get the best rate, as the most expensive carrier's annual premium in town cost 2.4 times that of the cheapest.

Cheap car insurance in Fairmont, WV

  • Average annual auto insurance quote in Fairmont = $1,958
  • 8% cheaper than West Virginia average

Full-coverage policies in Fairmont are slightly more affordable than the West Virginia average. Drivers can still save on car insurance by comparing rates online.

Average cost of car insurance in West Virginia

The average cost of full-coverage car insurance in West Virginia is $2,131 per year, or $178 per month.

The cheapest cities in West Virginia for full coverage are:

  • Martinsburg
  • Ranson
  • Keyser

The most expensive West Virginia cities for full coverage are:

  • Williamson
  • Madison
  • Spencer

Here is a list of the 50 largest cities in West Virginia, in order from the cheapest to the most expensive car insurance rates.

RankCityCar insurance quote
1Martinsburg$1,806
2Ranson$1,829
3Keyser$1,840
4Charles Town$1,841
5Moorefield$1,883
6White Sulphur Springs$1,910
7Bethlehem$1,910
8Morgantown$1,916
9Follansbee$1,919
10Granville$1,924
11Weirton$1,926
12Moundsville$1,929
13Petersburg$1,930
14Chester$1,930
15Wellsburg$1,944
16Fairmont$1,958
17Clarksburg$1,977
18Bridgeport$1,980
19Vienna$1,984
20Hinton$1,994
21Fayetteville$2,002
22Richwood$2,010
23Hurricane$2,033
24Summersville$2,034
25Bluefield$2,044
26Winfield$2,046
27Mannington$2,052
28Princeton$2,053
29Ripley$2,053
30St. Albans$2,058
31Paden City$2,059
32Charleston$2,061
33Dunbar$2,063
34Elkins$2,070
35Ravenswood$2,070
36Buckhannon$2,071
37Weston$2,071
38New Martinsville$2,078
39Philippi$2,078
40Grafton$2,081
41Huntington$2,081
42Milton$2,093
43Barboursville$2,103
44Point Pleasant$2,107
45Kenova$2,111
46Kingwood$2,111
47Beckley$2,114
48Spencer$2,176
49Madison$2,378
50Williamson$2,634

Methodology

We collected auto insurance quotes for West Virginia cities from eight auto insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in West Virginia.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

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.

Source: West Virginia Department of Insurance

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