Who Has the Cheapest Car Insurance Quotes in West Virginia? (2022)
Who Has the Cheapest Car Insurance Quotes in West Virginia? (2022)
State Farm has the best cheap car insurance in West Virginia, at $382 per year and $32 per month for minimum liability quotes.
Best car insurance in West Virginia
To establish 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 West Virginia's state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $10,000 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 for different drivers 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 $382 per year, or about $32 per month.
State Farm's quotes are 41% less than the statewide average of $650. The most expensive insurer, Progressive, offered minimum coverage for $1,193 per year.
Find Cheap Auto Insurance Quotes in West Virginia
The average cost of car insurance in West Virginia is $650 per year for liability only coverage.
Company | Monthly rate | |
|---|---|---|
| State Farm | $32 |
| Westfield | $34 | |
| Erie | $46 |
| Allstate | $52 |
| Geico | $57 |
USAA is only available to current and former military members and their families.
Cheapest quotes for full coverage: State Farm
For drivers who want collision and comprehensive coverage, State Farm quotes average $1,044 per year, which is 41% cheaper than the average rate statewide. Geico and Erie also offer cheaper quotes than average.
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| USAA | $123 |
| Westfield | $128 |
| Geico | $151 |
| Erie | $154 |
*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 comprehensive and collision insurance, whereas minimum coverage does not. Full coverage often also includes higher liability limits.
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 skip comprehensive and collision coverage, you risk having to pay for damages if your car is damaged from a crash or another cause, such as hail or vandalism.
The cost difference between full and minimum coverage in West Virginia is $1,124 per year — a 173% 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 people with a speeding ticket: State Farm
The cheapest company for those with a history of speeding in West Virginia is State Farm — drivers would only pay $94 per month for coverage. Progressive has the most expensive quotes after a ticket, with an average cost of $222 per month.
In West Virginia, drivers with a speeding ticket on their record pay $2,030 per year on average for insurance — 14% more than a driver without any tickets.
Company | Monthly rate |
|---|---|
| State Farm | $94 |
| Westfield | $128 |
| USAA | $143 |
| Erie | $154 |
| Geico | $186 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
West Virginia drivers with an accident history can find cheap full-coverage auto insurance quotes at State Farm. The company's typical price of $1,214 per year is 52% cheaper than the average overall. It's nearly $1,000 cheaper than the next-best widely available option, Westfield 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. The good news is your rates will decrease gradually over time, and will be back to normal after about three years depending on your state.
Company | Monthly rate |
|---|---|
| State Farm | $101 |
| USAA | $149 |
| Westfield | $184 |
| Erie | $198 |
| Progressive | $265 |
*USAA is only available to current and former military members and their families.
Just one claim filing on your record can increase your car insurance quotes by $781 per year, as companies are likely to view you as a higher-risk driver.
Cheapest car insurance for drivers with a DUI: State Farm
State Farm offers the cheapest rates to West Virginia residents who have been caught driving under the influence at $2,693 per year. That's 24% less than the average rate statewide. Erie, the next-cheapest insurer, charges about $100 more than State Farm.
Car insurance quotes are 100% more expensive for those with a DUI in West Virginia.
Company | Monthly rate |
|---|---|
| State Farm | $224 |
| USAA | $226 |
| Erie | $234 |
| Progressive | $234 |
| Allstate | $254 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: State Farm
State Farm offers the best quotes for a West Virginia driver with poor credit at $163 per month. This is 27% cheaper than the average amongst insurers in West Virginia.
If you have poor credit, the average cost of a full coverage policy is $900 more per year in West Virginia compared to a driver with average credit. This is because insurers have found a correlation between a driver's credit score and the likelihood that they'll file an insurance claim.
Company | Monthly rate |
|---|---|
| State Farm | $163 |
| Westfield | $173 |
| Geico | $186 |
| USAA | $191 |
| Nationwide | $222 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
We found the best quotes for married drivers with State Farm, which offered full coverage rates for $1,044 — even though State Farm doesn't reduce rates for married drivers in West Virginia.
Car insurance companies sometimes charge married drivers slightly cheaper rates than those who are single or unmarried.
Progressive offered the biggest discount to married drivers, at 18% or $314 off the typical rate for a single person. We found a typical discount of 7% across all insurers.
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| USAA | $109 |
| Westfield | $128 |
| Erie | $144 |
| Geico | $144 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers: State Farm
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 both full and minimum coverage, at $1,067 and $2,496 per year, 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 $2,155 per year, or about $180 per month, for a minimum liability policy.
Insurers charge higher rates for young drivers because they are involved in crashes more often. The average annual cost of a full coverage car insurance policy is $5,971 in West Virginia for young drivers, or 237% higher than rates for an older driver.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $89 | $208 |
| Erie | $99 | $337 |
| USAA | $100 | $276 |
| Westfield | $141 | $507 |
| Allstate | $159 | $639 |
*USAA is only available to current and former military members and their families.
Cheapest for teen 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 $99 per month. This is 49% below the state average, or savings of $95 per month.
Insurers have determined that younger drivers with a speeding ticket on their records are more likely to be involved in a crash, and in turn, raise rates to reflect that increased risk. We found an average increase of 8% for young drivers after a ticket.
Company | Monthly rate |
|---|---|
| State Farm | $99 |
| Erie | $104 |
| USAA | $130 |
| Westfield | $141 |
| Allstate | $182 |
*USAA is only available to current and former military members and their families.
Cheapest for young drivers after an accident: State Farm
State Farm has the best insurance prices for a young driver who was recently in an at-fault accident, charging $1,298 per year for coverage. That's about half the typical price of $2,518.
An incident on your driving record — at any age — will lead to higher auto insurance costs. The average cost of an insurance policy is 17% higher in West Virginia for young drivers with an accident on their record.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| USAA | $121 |
| Erie | $133 |
| Westfield | $160 |
| Allstate | $195 |
*USAA is only available to current and former military members and their families.
Best auto insurance companies in West Virginia
In West Virginia, Erie is the best car insurance company for customer service quality.
We also recommend State Farm and USAA. These insurers all offer dependable service, plenty of good coverage options and generally offer affordable rates. Erie Insurance is among our top picks for a small insurer, while State Farm is a good choice if you prefer a large company.
USAA is only available to military members and their families, but it's a great option if you're eligible.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Erie | 856 | A+ | |
| State Farm | 852 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 823 | A+ | |
| Westfield | NR | A | |
| Progressive | 834 | A+ | |
| Allstate | 830 | A+ | |
| USAA | 896 | A++ |
Average car insurance cost in West Virginia by city
The cheapest city in West Virginia for car insurance is Berkeley Springs, while Kermit has the most expensive quotes.
Typical rates for an auto insurance policy in Berkeley Springs are approximately 20% lower than the state average, at 1,426 annually. In Kermit, the average cost is $2,217 per year. That's 25% higher than average. The average cost of full-coverage car insurance in West Virginia is $1,774 per year, or $148 per month.
City | Average monthly cost | Percent from average |
|---|---|---|
| Accoville | $173 | 17% |
| Adrian | $146 | -1% |
| Advent | $147 | -1% |
| Albright | $139 | -6% |
| Alderson | $137 | -7% |
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.
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 | |
| $25,000 per accident |
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 may not give you enough protection following an expensive accident.
Frequently asked questions
How much is car insurance in West Virginia?
Car insurance in West Virginia costs an average of $650 per year or $54 per month for minimum coverage. Full coverage costs $1,774 per year and $148 per month.
What's the cheapest car insurance in West Virginia?
State Farm offers the cheapest car insurance rates in West Virginia for full and minimum coverage. The company's average rate is $382 per year for minimum coverage and $1,044 for full coverage.
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 38% cheaper for minimum coverage and 8% cheaper for full coverage.
Methodology
We collected thousands of rates from ZIP codes across West Virginia for the 10 largest 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:
Coverage type | Study 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. We also used a minimum-coverage policy for most quotes for 18-year-olds.
For other rates analyses (credit score, accident history and marital status) the base policy listed above was altered 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.
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.