The average cost of minimum-coverage car insurance in West Virginia is $627 per year, or $52 per month. Depending on the insurer, quotes range from $405 to $919 for a minimum-coverage policy.
Drivers should still compare quotes from several insurers, as a policy with the most expensive local carrier costs 2.3 times that of the cheapest auto insurance company in West Virginia. This highlights the importance of comparison shopping when searching for good rates.
Cheapest car insurance companies in West Virginia
The cheapest minimum-coverage car insurance quotes in West Virginia are offered by State Farm, Erie and USAA.
Find Cheap Auto Insurance Quotes in West Virginia
These three carriers have average car insurance rates of $442 per year, or $37 per month — 29% cheaper than the West Virginia average.
The insurers with the most expensive minimum coverage quotes in West Virginia are:
These West Virginia insurance companies offer average annual rates of $849, or 35% more than the state average.
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 cover 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 $1,479 per year, or $123 per month.
Cheapest company for full coverage: State Farm
The cheapest insurers for full coverage auto insurance in West Virginia are:
|West Virginia average||$2,106||$176|
These insurers were the most affordable in West Virginia, as average annual rates were $1,668 per year, or $139 per month. That's 21% less than the annual state average of $2,106.
Cheap car insurance for drivers with prior incidents
Drivers in West Virginia who have incidents on their record, such as a traffic violation or DUI (driving under the influence) history, will pay higher car insurance rates. To help you determine the most affordable option, we analyzed which insurer offers the cheapest quotes for drivers who:
Cheapest for drivers with an accident: State Farm
West Virginia drivers with an accident history can find cheap full-coverage auto insurance quotes at State Farm, Westfield and Erie.
The average annual premium with these insurers is $2,171 per year, or 27% less than the state average.
|West Virginia average||$2,967||$247|
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 is $860 per year, or $72 per month.
Cheapest car insurance for people with a speeding ticket: State Farm
In West Virginia, drivers with a speeding ticket on their record pay $261 more for auto insurance than those with a clean record, or $22 per month. The cheapest insurer for those with a history of speeding is State Farm, according to our analysis — drivers would only pay $122 per month for coverage. Allstate has the most expensive quotes after a ticket, with an average cost of $294 per month.
|West Virginia average||$2,367||$197|
Cheapest car insurance for drivers with a DUI: State Farm
Car insurance costs 80% more for those with a DUI in West Virginia, according to our analysis. State Farm offers the cheapest rates to residents who have driven under the influence at $1,469 per year, an 8% increase over their base price for a full coverage policy. Progressive, the next cheapest insurer, charges 37% more to cover a driver with a DUI.
|West Virginia average||$3,795||$316|
Cheapest car insurance for drivers with poor credit: Westfield
If you have poor credit, the average cost of a full coverage policy is $900 more per year in West Virginia, in comparison to a driver with average credit, or $75 per month. On the other hand, drivers with very good credit would receive $357 cheaper car insurance rates on average.
Westfield offers the best quotes for a driver with poor credit at $170 per month. This is 25% cheaper than the average amongst insurers in West Virginia.
|West Virginia average||$2,714||$226|
Cheapest car insurance for married drivers: State Farm
Car insurance companies typically charge married drivers cheaper rates than those who are single or unmarried. This isn't the case for State Farm or Westfield in West Virginia. However, the average cost of a Progressive insurance policy is $373 less expensive annually, or 17% lower. For members of the military who are eligible for USAA, rates for married policyholders are $144 cheaper per year.
|West Virginia average||$1,969||$164|
Cheapest car insurance for young drivers: State Farm
The average cost of car insurance for young drivers in West Virginia is $2,168 per year, or $181 per month, for a minimum liability policy.
Insurers charge higher rates for young drivers based on their risk profile. The average annual cost of a full coverage car insurance policy is $6,839 in West Virginia for young drivers, or 225% higher than rates for an older driver.
Young drivers shopping for the cheapest car insurance in West Virginia are likely to find the best rates with State Farm or Erie. State Farm offers the cheapest quote for a full coverage policy, $3,288 per year, whereas Erie has the best rates for the state-mandated minimum coverage.
|-||West Virginia average||$6,839||$2,168|
USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: State Farm
At any age, having incidents on your driving record will lead to higher auto insurance costs. The average cost of an insurance policy is 16% higher in West Virginia for young drivers with an accident on their record. Nationwide has the highest quote for a driver in this situation, charging $11,244 per year for coverage on average.
|West Virginia average||$7,914||$660|
Cheapest for young drivers with one speeding ticket: State Farm
If you've been caught speeding, State Farm offers the cheapest rates for a young driver in West Virginia at $300 per month. This is 52% below the state average, or savings of $320 per month.
|West Virginia average||$7,438||$620|
Best auto insurance companies in West Virginia
In West Virginia, USAA has the best car insurance based on 62% of customers rating its customer service as "excellent" and 78% having been extremely satisfied with their most recent claim.
% of respondents extremely satisfied with most recent claim
% who rated customer service as "excellent"
Nationwide also stands out as one of the best insurers based on its high customer service ratings. Unlike USAA, which is only available to members of the military and certain related groups, Nationwide is available to all applicants.
Beyond its positive scores for claims and customer service, Nationwide is the best-rated insurer in West Virginia due to its lower history of customer complaints. We measure this using the National Association of Insurance Commissioners (NAIC) complaint ratio — scores above 1.00 indicate an insurer has more complaints than average relative to its size.
2019 NAIC complaint index
2020 J.D. Power claims satisfaction
AM Best rating
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.
Average car insurance cost in West Virginia by city
The average cost of full-coverage car insurance in West Virginia is $2,106 per year, or $176 per month.
The cheapest cities in West Virginia for full coverage insurance are Martinsburg, Falling Waters and Gerrardstown. Typical rates for an auto insurance policy in these cities are approximately 14% lower than the state average.
The most expensive West Virginia cities for full coverage are Gilbert, Justice and Ragland. In Gilbert, the average annual cost of coverage is $2,668, or 26.7% higher than average.
Here is a list of the largest cities in West Virginia, in order from the cheapest to the most expensive car insurance rates.
Average annual cost
Difference from average
West Virginia rate changes by company
In West Virginia, auto insurance providers decreased their premiums by 3.7% in 2020, continuing a trend of lower rates observed in the past few years. State Farm showed the most significant decrease in rates, down 9.9% compared to 2019, followed by a 6% drop in rates from Progressive.
Premiums written (millions)
Rate change 2019
Rate change 2020
|State Farm||$ 317.8||-5.6%||-9.9%|
|Liberty Mutual||$ 59.8||0.0%||2.7%|
|Hartford Fire & Casualty||$ 31.5||0.0%||0.0%|
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.
Recap of the cheapest auto insurance in West Virginia
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: Westfield
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with a speeding ticket: State Farm
We collected thousands of rates from ZIP codes across West Virginia for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|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 our minimum-coverage policy, we quoted a policy with the minimum required limits in West Virginia, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.