Who Has the Cheapest Car Insurance Quotes in West Virginia? (2020)
Who Has the Cheapest Car Insurance Quotes in West Virginia? (2020)
Find Cheap Auto Insurance Quotes in West Virginia
The average cost of minimum-coverage car insurance in West Virginia is $685 per year, or $57 per month. Depending on the insurer, quotes range from $385 to $1,081 for a minimum-coverage policy.
Drivers should still compare quotes from several insurers, as a policy with the most expensive local carrier cost 2.8 times that of the cheapest auto insurance company in Ohio. 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:
- Westfield
- Erie
- Allstate
Find Cheap Auto Insurance Quotes in West Virginia
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 minimum coverage 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.
| Rank | Insurer | Car insurance quote |
|---|---|---|
| 1 | Westfield | $385 |
| 2 | State Farm | $497 |
| 3 | Erie | $511 |
| 4 | GEICO | $801 |
| 5 | Allstate | $837 |
| 6 | Nationwide | $883 |
| 7 | Progressive | $1,081 |
| N/A | USAA | $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 full coverage insurers 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.
| Rank | Insurer | Quote before accident | Quote after accident | Difference |
|---|---|---|---|---|
| 1 | State Farm | $1,368 | $1,598 | $230 |
| 2 | Westfield | $1,598 | $2,296 | $698 |
| 3 | Nationwide | $2,386 | $2,386 | $0 |
| 4 | Erie | $2,167 | $2,736 | $569 |
| 5 | GEICO | $2,134 | $3,254 | $1,120 |
| 6 | Progressive | $2,610 | $4,405 | $1,795 |
| 7 | Allstate | $3,144 | $4,524 | $1,380 |
| N/A | USAA | $1,643 | $1,944 | $301 |
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 history | Annual 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.
| Rank | Insurer | Complaint ratio |
|---|---|---|
| 1 | Nationwide | 0.43 |
| 2 | State Farm | 0.57 |
| 3 | Allstate | 0.63 |
| 4 | USAA | 0.84 |
| 5 | Erie | 0.91 |
| 6 | GEICO | 0.92 |
| 7 | Progressive | 1.04 |
| 8 | Westfield | 1.83 |
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.
| City | Insurer | Annual car insurance quote |
|---|---|---|
| Barboursville | State Farm | $1,397 |
| Westfield | $1,399 | |
| Erie | $2,139 | |
| Beckley | State Farm | $1,471 |
| Westfield | $1,609 | |
| Erie | $2,041 | |
| Bethlehem | State Farm | $1,214 |
| Westfield | $1,355 | |
| GEICO | $1,846 | |
| Bluefield | State Farm | $1,350 |
| Westfield | $1,609 | |
| Erie | $2,041 | |
| Bridgeport | State Farm | $1,241 |
| Westfield | $1,467 | |
| GEICO | $1,882 | |
| Buckhannon | State Farm | $1,302 |
| Westfield | $1,742 | |
| GEICO | $1,882 | |
| Charles Town | State Farm | $1,231 |
| Westfield | $1,302 | |
| GEICO | $1,755 | |
| Charleston | State Farm | $1,335 |
| Westfield | $1,453 | |
| GEICO | $2,056 | |
| Chester | State Farm | $1,199 |
| Westfield | $1,369 | |
| GEICO | $1,962 | |
| Clarksburg | State Farm | $1,311 |
| Westfield | $1,467 | |
| GEICO | $1,882 | |
| Dunbar | State Farm | $1,291 |
| Westfield | $1,453 | |
| GEICO | $2,056 | |
| Elkins | State Farm | $1,309 |
| Westfield | $1,742 | |
| GEICO | $1,926 | |
| Fairmont | State Farm | $1,288 |
| Westfield | $1,386 | |
| GEICO | $1,882 | |
| Fayetteville | State Farm | $1,270 |
| Westfield | $1,609 | |
| Erie | $2,041 | |
| Follansbee | State Farm | $1,316 |
| Westfield | $1,363 | |
| GEICO | $1,962 | |
| Grafton | State Farm | $1,346 |
| Westfield | $1,742 | |
| GEICO | $1,882 | |
| Granville | State Farm | $1,250 |
| Westfield | $1,378 | |
| GEICO | $1,766 | |
| Hinton | State Farm | $1,291 |
| Westfield | $1,574 | |
| Erie | $1,925 | |
| Huntington | Westfield | $1,399 |
| State Farm | $1,412 | |
| Erie | $2,139 | |
| Hurricane | State Farm | $1,282 |
| Westfield | $1,446 | |
| GEICO | $1,925 | |
| Kenova | Westfield | $1,399 |
| State Farm | $1,424 | |
| Erie | $2,139 | |
| Keyser | State Farm | $1,116 |
| Westfield | $1,453 | |
| Erie | $1,801 | |
| Kingwood | State Farm | $1,320 |
| Westfield | $1,742 | |
| GEICO | $1,926 | |
| Madison | State Farm | $1,565 |
| Westfield | $1,609 | |
| Erie | $2,041 | |
| Mannington | State Farm | $1,326 |
| Westfield | $1,386 | |
| GEICO | $1,882 | |
| Martinsburg | State Farm | $1,143 |
| Westfield | $1,302 | |
| GEICO | $1,755 | |
| Milton | State Farm | $1,376 |
| Westfield | $1,419 | |
| GEICO | $2,136 | |
| Moorefield | State Farm | $1,125 |
| Westfield | $1,453 | |
| GEICO | $1,926 | |
| Morgantown | State Farm | $1,259 |
| Westfield | $1,378 | |
| GEICO | $1,766 | |
| Moundsville | State Farm | $1,296 |
| Westfield | $1,474 | |
| GEICO | $1,846 | |
| New Martinsville | State Farm | $1,267 |
| Westfield | $1,474 | |
| GEICO | $2,136 | |
| Paden City | State Farm | $1,251 |
| Westfield | $1,474 | |
| GEICO | $2,136 | |
| Petersburg | State Farm | $1,182 |
| Westfield | $1,453 | |
| Erie | $1,925 | |
| Philippi | State Farm | $1,357 |
| Westfield | $1,742 | |
| GEICO | $1,882 | |
| Point Pleasant | State Farm | $1,300 |
| Westfield | $1,474 | |
| GEICO | $2,136 | |
| Princeton | State Farm | $1,355 |
| Westfield | $1,609 | |
| Erie | $2,041 | |
| Ranson | State Farm | $1,227 |
| Westfield | $1,302 | |
| GEICO | $1,755 | |
| Ravenswood | State Farm | $1,237 |
| Westfield | $1,474 | |
| GEICO | $2,136 | |
| Richwood | State Farm | $1,277 |
| Westfield | $1,574 | |
| GEICO | $1,926 | |
| Ripley | State Farm | $1,246 |
| Westfield | $1,474 | |
| GEICO | $2,136 | |
| Spencer | State Farm | $1,371 |
| Westfield | $1,716 | |
| GEICO | $2,226 | |
| St. Albans | State Farm | $1,339 |
| Westfield | $1,453 | |
| GEICO | $2,056 | |
| Summersville | State Farm | $1,297 |
| Westfield | $1,574 | |
| GEICO | $1,926 | |
| Vienna | State Farm | $1,335 |
| Westfield | $1,437 | |
| Erie | $2,022 | |
| Weirton | State Farm | $1,227 |
| Westfield | $1,363 | |
| GEICO | $1,962 | |
| Wellsburg | State Farm | $1,359 |
| Westfield | $1,363 | |
| GEICO | $1,962 | |
| Weston | State Farm | $1,299 |
| Westfield | $1,592 | |
| GEICO | $1,882 | |
| White Sulphur Springs | State Farm | $1,128 |
| Westfield | $1,574 | |
| Erie | $1,925 | |
| Williamson | State Farm | $1,685 |
| Westfield | $1,748 | |
| GEICO | $2,533 | |
| Winfield | State 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 average 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.
| Rank | City | Car insurance quote |
|---|---|---|
| 1 | Martinsburg | $1,806 |
| 2 | Ranson | $1,829 |
| 3 | Keyser | $1,840 |
| 4 | Charles Town | $1,841 |
| 5 | Moorefield | $1,883 |
| 6 | White Sulphur Springs | $1,910 |
| 7 | Bethlehem | $1,910 |
| 8 | Morgantown | $1,916 |
| 9 | Follansbee | $1,919 |
| 10 | Granville | $1,924 |
| 11 | Weirton | $1,926 |
| 12 | Moundsville | $1,929 |
| 13 | Petersburg | $1,930 |
| 14 | Chester | $1,930 |
| 15 | Wellsburg | $1,944 |
| 16 | Fairmont | $1,958 |
| 17 | Clarksburg | $1,977 |
| 18 | Bridgeport | $1,980 |
| 19 | Vienna | $1,984 |
| 20 | Hinton | $1,994 |
| 21 | Fayetteville | $2,002 |
| 22 | Richwood | $2,010 |
| 23 | Hurricane | $2,033 |
| 24 | Summersville | $2,034 |
| 25 | Bluefield | $2,044 |
| 26 | Winfield | $2,046 |
| 27 | Mannington | $2,052 |
| 28 | Princeton | $2,053 |
| 29 | Ripley | $2,053 |
| 30 | St. Albans | $2,058 |
| 31 | Paden City | $2,059 |
| 32 | Charleston | $2,061 |
| 33 | Dunbar | $2,063 |
| 34 | Elkins | $2,070 |
| 35 | Ravenswood | $2,070 |
| 36 | Buckhannon | $2,071 |
| 37 | Weston | $2,071 |
| 38 | New Martinsville | $2,078 |
| 39 | Philippi | $2,078 |
| 40 | Grafton | $2,081 |
| 41 | Huntington | $2,081 |
| 42 | Milton | $2,093 |
| 43 | Barboursville | $2,103 |
| 44 | Point Pleasant | $2,107 |
| 45 | Kenova | $2,111 |
| 46 | Kingwood | $2,111 |
| 47 | Beckley | $2,114 |
| 48 | Spencer | $2,176 |
| 49 | Madison | $2,378 |
| 50 | Williamson | $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 type | Study 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.
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.