Who Has the Cheapest Car Insurance Quotes in West Virginia? (2023)
Who Has the Cheapest Car Insurance Quotes in West Virginia? (2023)
State Farm has the best cheap car insurance in West Virginia, at $28 per month and $341 per year for minimum liability quotes.
Best car insurance in West Virginia
To find the best cheap car insurance for drivers in West Virginia, our editorial team 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 the limits above. Full coverage quotes include comprehensive and collision coverage, plus higher liability limits than the state minimums.
In addition, we ranked the best West Virginia car insurance companies based on coverage availability, customer service reviews, affordability and convenience.
Cheapest car insurance company in West Virginia: State Farm
State Farm has the cheapest minimum coverage car insurance quotes in West Virginia, at an average price of $28 per year, or about $341 per month.
State Farm's quote is 43% lower than the statewide average of $597 per year. The most expensive company, Progressive, offers minimum coverage for $1,058 per year.
Find Cheap Auto Insurance Quotes in West Virginia
The average cost of car insurance in West Virginia is $50 per month for liability-only coverage.
Cheapest WV car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $28 |
| Westfield | $34 |
| Erie | $41 |
| Geico | $50 |
| Allstate | $55 |
USAA is only available to current and former military members and their families.
Cheapest quotes in West Virginia for full coverage: State Farm
State Farm has the cheapest quotes for full coverage in West Virginia, with an average rate of $77 per month, 43% cheaper than the average statewide. Westfield also offers cheaper quotes than average.
Company | Monthly rate |
|---|---|
| State Farm | $77 |
| Westfield | $123 |
| Erie | $137 |
| Geico | $140 |
| Progressive | $146 |
USAA is only available to current and former military members and their families.
Minimum coverage meets West Virginia's minimum legal requirements for car insurance.
Full coverage includes liability coverage plus comprehensive and collision insurance, whereas minimum coverage only includes liability. Full coverage often also includes higher liability limits.
Collision and comprehensive insurance cover damage to your car after a crash, theft, vandalism or a natural disaster — regardless of who's at fault.
If you choose lower liability coverage limits and skip comprehensive and collision coverage, you risk having to pay for damage if your car is damaged in an at-fault crash.
The average cost difference between full and minimum coverage in West Virginia is $86 per month — a 174% increase.
Cheap car insurance quotes for drivers with prior incidents
State Farm has the best rates for most drivers after a ticket, accident claim or DUI.
Find Cheap Auto Insurance Quotes in West Virginia
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 — drivers only pay $83 per month on average for full coverage. Nationwide has the most expensive quotes after a ticket, with an average cost of $211 per month.
In West Virginia, drivers with a speeding ticket on their record pay $157 per month on average for insurance — 15% more than a driver without any tickets.
Cheapest WV car insurance for tickets
Company | Monthly rate |
|---|---|
| State Farm | $83 |
| Westfield | $123 |
| Erie | $137 |
| Geico | $181 |
| Progressive | $191 |
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 $89 per month is 55% cheaper than the average overall. It's $87 per month cheaper than the next-best company, Erie Insurance.
Drivers who were 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 often return to normal after about three years.
Cheapest WV car insurance companies after an accident
Company | Monthly rate |
|---|---|
| State Farm | $89 |
| Erie | $176 |
| Westfield | $177 |
| Progressive | $227 |
| Allstate | $254 |
Just one claim filing on your driving record can increase your car insurance quotes by $775 per year, as companies are likely to view you as a higher-risk driver.
Cheapest car insurance for West Virginia drivers with a DUI: State Farm
State Farm has the cheapest rate in West Virginia if you've been caught driving under the influence, at $194 per month for full coverage. That's 31% less than the average rate statewide. Progressive, the next-cheapest company, charges about $7 per month more than State Farm.
Car insurance quotes are 108% more expensive for drivers with a DUI in West Virginia.
Cheapest WV car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $194 |
| Progressive | $201 |
| Erie | $208 |
| Allstate | $242 |
| Westfield | $284 |
Cheapest car insurance for drivers with poor credit: State Farm
State Farm has the best quote for a West Virginia driver with poor credit, at $164 per month for full coverage. This is 27% cheaper than average.
If you have poor credit, the average cost of a full coverage policy is $1,046 more per year in West Virginia compared to a driver with good credit. This is because insurance companies have found a correlation between a driver's credit score and the likelihood that they'll file an insurance claim.
Cheapest WV car insurance with poor credit
Company | Monthly rate |
|---|---|
| State Farm | $164 |
| Westfield | $175 |
| Geico | $201 |
| Nationwide | $228 |
| Progressive | $238 |
Cheapest car insurance for young drivers in West Virginia: State Farm
State Farm is far and away the best option for young drivers shopping for the cheapest car insurance in West Virginia. State Farm offers the cheapest quote for both full and minimum coverage, at $79 and $182 per month, respectively. Erie has the second-best rates for both, though its full coverage is much more expensive.
The average cost of car insurance for 18-year-old drivers in West Virginia is $169 per month, or about $2,026 per year, for a minimum liability policy.
Insurance companies charge higher rates for young drivers because they are involved in crashes more often. The average monthly cost of a full coverage car insurance policy is $473 in West Virginia for young drivers, or 247% higher than the rate for an older driver.
Cheapest WV car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $79 | $182 |
| Erie | $90 | $303 |
| Westfield | $143 | $489 |
| Allstate | $183 | $668 |
| Geico | $195 | $531 |
Cheapest for teen drivers with a speeding ticket in WV: State Farm
State Farm offers the cheapest rates for a young driver in West Virginia who has been caught speeding: $87 per month for minimum coverage. This is 53% below the state average, or a savings of $98 per month.
Insurance companies have determined that younger drivers with a speeding ticket on their record are more likely to be involved in a crash, which is why they raise rates to reflect that increased risk. The average increase is 10% for young drivers who get a ticket.
Cheapest WV car insurance for teens with tickets
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| Erie | $95 |
| Westfield | $143 |
| Allstate | $211 |
| Geico | $228 |
Cheapest quotes for young drivers after an accident: State Farm
State Farm has the best insurance rates for a young driver who was recently in an at-fault accident, charging $96 per month for minimum coverage. That's less than half the average price of $202.
An incident on your driving record at any age will lead to higher auto insurance costs. The average cost of an insurance policy is 20% higher in West Virginia for young drivers with an at-fault accident on their record compared to young drivers with a clean record.
Cheapest WV car insurance for teens with an accident history
Company | Monthly rate |
|---|---|
| State Farm | $96 |
| Erie | $112 |
| Westfield | $163 |
| Allstate | $225 |
| Geico | $255 |
Cheapest car insurance for WV married drivers: State Farm
State Farm has the best quotes for married drivers in West Virginia, with a full coverage rate of $77 per month — even though State Farm doesn't reduce rates for married drivers. Progressive offers the biggest discount to married drivers, at 15% or $260 per year off its typical rate for a single person.
Car insurance companies sometimes charge married drivers slightly cheaper rates than those who are single or unmarried, with an average discount of 7% in West Virginia.
Company | Monthly rate per car |
|---|---|
| State Farm | $77 |
| Erie | $121 |
| Westfield | $123 |
| Progressive | $124 |
| Geico | $133 |
Best auto insurance companies in West Virginia
In West Virginia, Erie is the best car insurance company for customer service quality.
State Farm and USAA are also good companies that offer dependable service, plenty of good coverage options and generally affordable rates.
USAA is only available to military members and their families, but it's a great company if you're eligible.
Best WV car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Erie | 870 | A+ | |
| State Farm | 842 | A++ | |
| USAA | 881 | 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 $118 per month, while Kermit has the most expensive quote, at $170 per month.
The average cost of full coverage car insurance in West Virginia is $1,637 per year, or $136 per month.
City | Average monthly cost | Percent from average |
|---|---|---|
| Accoville | $159 | 17% |
| Adrian | $136 | 0% |
| Advent | $135 | -1% |
| Albright | $136 | -1% |
| Alderson | $128 | -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 purchase 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.
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 and minimum coverage. The company's average rate is $28 per month for minimum coverage and $77 per month for full coverage.
How much is car insurance in West Virginia?
Car insurance in West Virginia costs an average of $597 per year or $50 per month for minimum coverage. Full coverage costs $1,637 per year or $136 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 34% cheaper for minimum coverage and 5% 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:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Uninsured/underinsured motorist property damage | $25,000 per accident |
| Comprehensive and collision | $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.