Best & Cheapest Car Insurance Quotes in West Virginia (2026)
Erie has the best cheap full coverage car insurance in West Virginia, at $135 per month. Erie also has the cheapest minimum coverage quotes, at $35 per month.
Find Cheap Auto Insurance Quotes in West Virginia
ValuePenguin reviewed 167,760 quotes from 7+ top West Virginia car insurance companies to help you find the right coverage at the best price.
West Virginia car insurance quotes and key takeaways
Car insurance quotes in West Virginia
The average cost of full coverage car insurance in West Virginia is $179 per month, or $2,148 per year. That's 14% less than the national average.
Drivers looking to save money can typically find the cheapest rates at Erie, but USAA offers even lower rates for drivers with military ties.
| Cheapest full coverage in WV Erie has the cheapest full coverage car insurance in WV, at $135/mo. See the other cheapest full coverage quotes in West Virginia. |
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| Cheapest minimum coverage in WV Erie also has the cheapest minimum liability insurance in West Virginia, at $35/mo. See the other cheapest minimum coverage rates in West Virginia. |
| Cheapest for drivers with military ties USAA has the cheapest rates in WV for military members, at $112 per month for full coverage and $34 per month for liability-only coverage. |
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| Best car insurance in WV overall ValuePenguin chose Erie as the best car insurance company in West Virginia based on its cheap rates, exceptional scores from J.D. Power and low number of complaints with the NAIC. Read more about why Erie is the best choice for most West Virginia drivers. |
Find Cheap Auto Insurance Quotes in West Virginia
Cheapest full coverage car insurance in West Virginia
In 2026, the average cost of full coverage car insurance is $179 per month in West Virginia. That's $1,074 for a six-month policy that covers your car and damage you cause.
The most expensive company in West Virginia costs an average of $104 per month more than the cheapest company, making it important to shop around for cheap rates.
Based on our analysis of more than 167,000 quotes, Erie, Westfield, State Farm and USAA are your best bet for finding cheap full coverage quotes in West Virginia.
Best cheap full coverage auto insurance in West Virginia
Company | Monthly rate | Annual rate |
|---|---|---|
| Erie | $135 | $1,620 |
| Westfield | $149 | $1,788 |
| State Farm | $172 | $2,064 |
| Geico | $187 | $2,244 |
| Progressive | $209 | $2,508 |
*USAA is only available to military members, veterans and some of their family members.
If you haven’t checked your car insurance rate in a while, you’re not alone. But comparing car insurance takes minutes and can save you $1,200 per year in WV.
Cheapest liability insurance car insurance quotes in WV
The average cost of minimum liability car insurance is $65 per month in West Virginia, which is $114 per month less than a full coverage policy. But minimum coverage doesn't pay for damage to your car, which is why it's so much cheaper.
If you're shopping for the absolute cheapest car insurance in West Virginia, you should compare quotes from Erie, Westfield and State Farm. These companies all charge less than the state average, based on our analysis of thousands of quotes across West Virginia.
Cheapest West Virginia auto insurance rates
Company | Monthly rate | Annual rate |
|---|---|---|
| Erie | $35 | $420 |
| Westfield | $41 | $492 |
| State Farm | $57 | $684 |
| Geico | $74 | $888 |
| Allstate | $87 | $1,044 |
*USAA is only available to military members, veterans and some of their family members.
West Virginia has a higher traffic fatality rate than many other states, according to the National Highway Traffic Safety Administration (NHTSA). Because of the increased risk of severe crashes, you should consider getting higher liability limits to protect yourself if you cause an accident.
You may also want to get full coverage, which adds comprehensive and collision, to give you protection for your own car. Buying medical payments coverage is a good idea too, in case you're hurt in an accident.
Who has the best car insurance in West Virginia?
ValuePenguin chose Erie as the best car insurance company in West Virginia because of its customer service reviews, useful coverage add-ons, helpful discounts, proprietary pricing data and respected third-party ratings, such as J.D. Power and AM Best.
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Full coverage rate$135/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.
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Claims process9.5/10Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.
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AM Best rating A
West Virginia car insurance rates by city
Martinsburg, the largest city in the eastern panhandle of the state, has the cheapest car insurance in West Virginia.
The average cost of car insurance in Martinsburg is $158 per month for a full coverage policy.
Kermit, a very small town on the West Virginia-Kentucky border, has the most expensive rates in the state, at $227 per month.
How much you'll pay for car insurance changes based on where you live. For instance, you might pay more if your town has poorly maintained roads, which may lead to more accidents, or if you live in an area with a lot of car thefts.
Find Cheap Auto Insurance Quotes in West Virginia
Average car insurance quotes in WV by city
City | Monthly rate | % from average |
|---|---|---|
| Charleston | $177 | -1% |
| Huntington | $181 | 1% |
| Morgantown | $166 | -8% |
| Parkersburg | $171 | -4% |
| Wheeling | $163 | -9% |
| Accoville | $205 | 14% |
| Adrian | $191 | 6% |
| Advent | $184 | 3% |
| Albright | $188 | 5% |
| Alderson | $173 | -4% |
| Alkol | $205 | 14% |
| Allen Junction | $195 | 9% |
| Alloy | $173 | -3% |
| Alma | $178 | -1% |
| Alum Bridge | $188 | 5% |
| Alum Creek | $193 | 7% |
| Amherstdale | $205 | 14% |
| Amigo | $194 | 8% |
| Amma | $192 | 7% |
| Anawalt | $195 | 8% |
| Anmoore | $172 | -4% |
| Annamoriah | $193 | 7% |
| Ansted | $173 | -4% |
| Apple Grove | $182 | 1% |
| Arbovale | $187 | 4% |
| Arnett | $184 | 3% |
| Arnoldsburg | $197 | 10% |
| Arthurdale | $187 | 4% |
| Artie | $179 | 0% |
| Asbury | $172 | -4% |
| Ashford | $189 | 5% |
| Ashton | $182 | 1% |
| Athens | $169 | -6% |
| Auburn | $195 | 9% |
| Augusta | $169 | -6% |
| Aurora | $192 | 7% |
| Avondale | $195 | 9% |
| Baisden | $216 | 20% |
| Baker | $170 | -5% |
| Bakerton | $162 | -10% |
| Ballard | $177 | -1% |
| Ballengee | $178 | -1% |
| Bancroft | $176 | -2% |
| Bandytown | $195 | 9% |
| Barboursville | $184 | 3% |
| Barrackville | $171 | -5% |
| Bartley | $196 | 9% |
| Bartow | $186 | 3% |
| Baxter | $171 | -5% |
| Bayard | $180 | 1% |
| Beaver | $175 | -3% |
| Beckley | $176 | -2% |
| Beech Bottom | $167 | -7% |
| Beeson | $174 | -3% |
| Belington | $191 | 6% |
| Belle | $179 | 0% |
| Belleville | $177 | -2% |
| Belmont | $185 | 3% |
| Belva | $179 | 0% |
| Benwood | $168 | -6% |
| Berea | $192 | 7% |
| Bergoo | $188 | 5% |
| Berkeley Springs | $163 | -9% |
| Berwind | $197 | 10% |
| Bethany | $169 | -6% |
| Bethlehem | $162 | -9% |
| Bickmore | $194 | 8% |
| Big Bend | $194 | 8% |
| Big Chimney | $177 | -1% |
| Big Creek | $203 | 13% |
| Big Otter | $193 | 8% |
| Big Run | $179 | 0% |
| Big Sandy | $200 | 12% |
| Big Springs | $193 | 8% |
| Bim | $194 | 8% |
| Birch River | $176 | -2% |
| Blacksville | $172 | -4% |
| Blair | $205 | 14% |
| Blennerhassett | $171 | -5% |
| Bloomingrose | $189 | 5% |
| Blount | $181 | 1% |
| Blue Creek | $179 | 0% |
| Bluefield | $169 | -6% |
| Bluewell | $171 | -5% |
| Boaz | $179 | 0% |
| Bob White | $192 | 7% |
| Bolt | $178 | -1% |
| Bomont | $192 | 7% |
| Boomer | $174 | -3% |
| Borderland | $219 | 22% |
| Bowden | $184 | 2% |
| Bradley | $175 | -3% |
| Bradshaw | $198 | 10% |
| Bramwell | $172 | -4% |
| Branchland | $209 | 16% |
| Brandywine | $187 | 4% |
| Breeden | $226 | 26% |
| Brenton | $197 | 10% |
| Bretz | $187 | 4% |
| Bridgeport | $169 | -6% |
| Brohard | $194 | 8% |
| Brookhaven | $169 | -6% |
| Brownsville | $173 | -4% |
| Bruceton Mills | $190 | 6% |
| Bruno | $205 | 14% |
| Buckeye | $184 | 2% |
| Buckhannon | $190 | 6% |
| Bud | $193 | 8% |
| Buffalo | $178 | -1% |
| Bunker Hill | $160 | -11% |
| Burlington | $170 | -5% |
| Burnsville | $189 | 5% |
| Burnt House | $190 | 6% |
| Burnwell | $178 | -1% |
| Burton | $178 | -1% |
| Cabin Creek | $180 | 0% |
| Cabins | $175 | -2% |
| Cairo | $191 | 7% |
| Caldwell | $171 | -5% |
| Calvin | $179 | 0% |
| Camden | $187 | 4% |
| Camden-on-Gauley | $188 | 5% |
| Cameron | $172 | -4% |
| Camp Creek | $172 | -4% |
| Canebrake | $197 | 10% |
| Cannelton | $175 | -2% |
| Canvas | $180 | 0% |
| Capon Bridge | $168 | -7% |
| Capon Springs | $169 | -6% |
| Carolina | $172 | -4% |
| Carpendale | $168 | -6% |
| Cass | $189 | 5% |
| Cassville | $167 | -7% |
| Cedar Grove | $181 | 1% |
| Cedarville | $190 | 6% |
| Center Point | $187 | 4% |
| Ceredo | $182 | 2% |
| Chapmanville | $201 | 12% |
| Charles Town | $161 | -10% |
| Charlton Heights | $173 | -3% |
| Charmco | $171 | -5% |
| Chattaroy | $219 | 22% |
| Chauncey | $203 | 13% |
| Cheat Lake | $169 | -6% |
| Chesapeake | $180 | 0% |
| Chester | $168 | -6% |
| Chloe | $198 | 10% |
| Circleville | $189 | 5% |
| Clarksburg | $173 | -4% |
| Clay | $192 | 7% |
| Clear Creek | $180 | 0% |
| Clear Fork | $197 | 10% |
| Clendenin | $184 | 2% |
| Cleveland | $193 | 8% |
| Clothier | $203 | 13% |
| Coal City | $177 | -2% |
| Coal Mountain | $200 | 12% |
| Coaldale | $171 | -5% |
| Coalton | $187 | 4% |
| Coburn | $178 | -1% |
| Colcord | $180 | 0% |
| Colfax | $170 | -5% |
| Colliers | $166 | -8% |
| Comfort | $185 | 3% |
| Cool Ridge | $176 | -2% |
| Copen | $186 | 4% |
| Cora | $203 | 13% |
| Corinne | $193 | 8% |
| Costa | $191 | 6% |
| Cottageville | $185 | 3% |
| Cove Gap | $215 | 20% |
| Covel | $194 | 8% |
| Cowen | $184 | 3% |
| Coxs Mills | $194 | 8% |
| Crab Orchard | $176 | -2% |
| Craigsville | $178 | -1% |
| Crawford | $192 | 7% |
| Crawley | $170 | -5% |
| Creston | $193 | 7% |
| Crichton | $172 | -4% |
| Cross Lanes | $176 | -2% |
| Crum | $224 | 25% |
| Cucumber | $195 | 9% |
| Culloden | $178 | -1% |
| Cyclone | $203 | 13% |
| Dailey | $185 | 3% |
| Dallas | $171 | -5% |
| Danese | $174 | -3% |
| Daniels | $175 | -2% |
| Danville | $194 | 8% |
| Davin | $203 | 13% |
| Davis | $189 | 5% |
| Davisville | $176 | -2% |
| Davy | $198 | 10% |
| Dawes | $180 | 0% |
| Deep Water | $173 | -3% |
| Dehue | $212 | 18% |
| Delbarton | $218 | 21% |
| Dellslow | $169 | -6% |
| Delray | $170 | -5% |
| Despard | $171 | -4% |
| Diana | $190 | 6% |
| Dille | $190 | 6% |
| Dingess | $221 | 23% |
| Dixie | $179 | 0% |
| Dorothy | $179 | 0% |
| Dothan | $172 | -4% |
| Drennen | $182 | 2% |
| Dry Creek | $182 | 1% |
| Dry Fork | $188 | 5% |
| Drybranch | $177 | -1% |
| Duck | $189 | 6% |
| Dunbar | $174 | -3% |
| Duncan | $187 | 4% |
| Dunlow | $220 | 23% |
| Dunmore | $185 | 3% |
| Durbin | $188 | 5% |
| Earling | $204 | 14% |
| East Bank | $178 | -1% |
| East Lynn | $217 | 21% |
| Eccles | $176 | -2% |
| Eckman | $195 | 9% |
| Edgarton | $219 | 22% |
| Edmond | $173 | -4% |
| Eglon | $192 | 7% |
| Elbert | $195 | 9% |
| Eleanor | $176 | -2% |
| Elizabeth | $194 | 8% |
| Elk Garden | $173 | -4% |
| Elkhorn | $197 | 10% |
| Elkins | $184 | 3% |
| Elkview | $181 | 1% |
| Ellamore | $189 | 5% |
| Ellenboro | $190 | 6% |
| Emmett | $220 | 23% |
| Enterprise | $174 | -3% |
| Erbacon | $189 | 5% |
| Eskdale | $181 | 1% |
| Ethel | $211 | 18% |
| Eureka | $185 | 3% |
| Evans | $184 | 2% |
| Exchange | $187 | 4% |
| Fairdale | $181 | 1% |
| Fairlea | $170 | -5% |
| Fairmont | $169 | -6% |
| Fairview | $172 | -4% |
| Falling Rock | $180 | 0% |
| Falling Waters | $158 | -12% |
| Falls Mill | $189 | 6% |
| Fanrock | $196 | 9% |
| Farmington | $174 | -3% |
| Fayetteville | $171 | -5% |
| Fenwick | $177 | -1% |
| Filbert | $195 | 9% |
| Fisher | $171 | -5% |
| Flat Top | $173 | -3% |
| Flatwoods | $187 | 4% |
| Flemington | $187 | 4% |
| Floe | $198 | 10% |
| Follansbee | $165 | -8% |
| Folsom | $180 | 0% |
| Forest Hill | $180 | 0% |
| Fort Ashby | $168 | -6% |
| Fort Gay | $217 | 21% |
| Foster | $193 | 7% |
| Four States | $173 | -4% |
| Frametown | $186 | 4% |
| Frankford | $170 | -5% |
| Franklin | $185 | 3% |
| Fraziers Bottom | $180 | 0% |
| Freeman | $171 | -5% |
| French Creek | $192 | 7% |
| Frenchton | $190 | 6% |
| Friendly | $178 | -1% |
| Gallagher | $178 | -1% |
| Gallipolis Ferry | $180 | 0% |
| Galloway | $193 | 7% |
| Gandeeville | $193 | 8% |
| Gap Mills | $180 | 0% |
| Gary | $195 | 9% |
| Gassaway | $184 | 2% |
| Gauley Bridge | $173 | -4% |
| Gauley Mills | $188 | 5% |
| Gay | $185 | 3% |
| Genoa | $219 | 22% |
| Gerrardstown | $160 | -11% |
| Ghent | $176 | -2% |
| Gilbert | $216 | 20% |
| Gilboa | $179 | 0% |
| Given | $184 | 2% |
| Glady | $184 | 3% |
| Glasgow | $179 | 0% |
| Glen | $195 | 9% |
| Glen Dale | $168 | -6% |
| Glen Daniel | $181 | 1% |
| Glen Easton | $171 | -5% |
| Glen Ferris | $174 | -3% |
| Glen Fork | $197 | 10% |
| Glen Jean | $174 | -3% |
| Glen Rogers | $199 | 11% |
| Glen White | $177 | -1% |
| Glengary | $160 | -11% |
| Glenville | $193 | 7% |
| Glenwood | $178 | -1% |
| Gordon | $193 | 8% |
| Gormania | $176 | -2% |
| Grafton | $188 | 5% |
| Grant Town | $172 | -4% |
| Grantsville | $193 | 8% |
| Granville | $166 | -7% |
| Grassy Meadows | $174 | -3% |
| Great Cacapon | $165 | -8% |
| Green Bank | $185 | 3% |
| Green Spring | $171 | -5% |
| Green Sulphur Springs | $177 | -1% |
| Greenville | $178 | -1% |
| Griffithsville | $209 | 16% |
| Gypsy | $177 | -1% |
| Hacker Valley | $192 | 7% |
| Halltown | $162 | -10% |
| Hambleton | $194 | 8% |
| Hamlin | $208 | 16% |
| Handley | $178 | -1% |
| Hanover | $199 | 11% |
| Hansford | $179 | 0% |
| Harman | $187 | 4% |
| Harper | $176 | -2% |
| Harrisville | $190 | 6% |
| Hartford | $179 | 0% |
| Hartford City | $179 | 0% |
| Harts | $207 | 15% |
| Haywood | $172 | -4% |
| Heaters | $189 | 6% |
| Hedgesville | $160 | -11% |
| Helen | $178 | -1% |
| Helvetia | $189 | 6% |
| Henderson | $183 | 2% |
| Hendricks | $190 | 6% |
| Henlawson | $203 | 13% |
| Hensley | $201 | 12% |
| Hepzibah | $172 | -4% |
| Herndon | $194 | 8% |
| Hernshaw | $180 | 0% |
| Hewett | $194 | 8% |
| Hiawatha | $175 | -2% |
| Hico | $174 | -3% |
| High View | $168 | -6% |
| Hillsboro | $182 | 1% |
| Hilltop | $170 | -5% |
| Hinton | $181 | 1% |
| Holden | $207 | 15% |
| Hometown | $176 | -2% |
| Hooverson Heights | $166 | -8% |
| Horner | $187 | 4% |
| Hugheston | $179 | 0% |
| Hundred | $182 | 2% |
| Hurricane | $177 | -2% |
| Iaeger | $196 | 9% |
| Idamay | $172 | -4% |
| Ikes Fork | $201 | 12% |
| Independence | $188 | 5% |
| Indian Mills | $180 | 0% |
| Indore | $193 | 8% |
| Institute | $175 | -2% |
| Inwood | $160 | -11% |
| Ireland | $185 | 3% |
| Isaban | $206 | 15% |
| Itmann | $193 | 8% |
| Ivydale | $193 | 8% |
| Jacksonburg | $180 | 0% |
| Jane Lew | $186 | 4% |
| Jeffrey | $195 | 9% |
| Jenkinjones | $195 | 9% |
| Jesse | $199 | 11% |
| Job | $185 | 3% |
| Jolo | $200 | 11% |
| Josephine | $181 | 1% |
| Julian | $192 | 7% |
| Jumping Branch | $179 | 0% |
| Junior | $192 | 7% |
| Justice | $219 | 22% |
| Kanawha Falls | $174 | -3% |
| Kanawha Head | $191 | 7% |
| Kearneysville | $161 | -10% |
| Kegley | $170 | -5% |
| Kellysville | $171 | -5% |
| Kenna | $187 | 4% |
| Kenova | $183 | 2% |
| Kerens | $185 | 3% |
| Kermit | $227 | 27% |
| Keslers Cross Lanes | $179 | 0% |
| Keyser | $168 | -6% |
| Kiahsville | $215 | 20% |
| Kimball | $195 | 9% |
| Kimberly | $173 | -3% |
| Kincaid | $175 | -3% |
| Kingmont | $170 | -5% |
| Kingwood | $186 | 3% |
| Kirby | $169 | -6% |
| Kistler | $204 | 13% |
| Kopperston | $199 | 11% |
| Kyle | $193 | 7% |
| Lahmansville | $177 | -1% |
| Lake | $202 | 13% |
| Lanark | $176 | -2% |
| Lansing | $174 | -3% |
| Lashmeet | $170 | -6% |
| Lavalette | $200 | 12% |
| Layland | $174 | -3% |
| Le Roy | $187 | 4% |
| Left Hand | $195 | 9% |
| Lehew | $170 | -5% |
| Leivasy | $179 | 0% |
| Lenore | $221 | 23% |
| Leon | $181 | 1% |
| Lerona | $169 | -6% |
| Lesage | $181 | 1% |
| Leslie | $172 | -4% |
| Lester | $178 | -1% |
| Letart | $180 | 0% |
| Levels | $168 | -6% |
| Lewisburg | $171 | -5% |
| Liberty | $175 | -2% |
| Lindside | $179 | 0% |
| Linn | $194 | 8% |
| Little Birch | $189 | 5% |
| Littleton | $180 | 1% |
| Liverpool | $187 | 4% |
| Livingston | $178 | -1% |
| Lizemores | $195 | 8% |
| Lochgelly | $171 | -5% |
| Logan | $203 | 13% |
| London | $178 | -1% |
| Lookout | $176 | -2% |
| Looneyville | $193 | 8% |
| Lorado | $205 | 14% |
| Lorentz | $190 | 6% |
| Lost City | $171 | -4% |
| Lost Creek | $180 | 0% |
| Lost River | $171 | -4% |
| Lubeck | $171 | -5% |
| Lumberport | $176 | -2% |
| Lundale | $205 | 14% |
| Lyburn | $204 | 14% |
| Lynco | $198 | 10% |
| Maben | $197 | 10% |
| Mabie | $185 | 3% |
| Mabscott | $175 | -2% |
| MacArthur | $176 | -2% |
| Macfarlan | $191 | 7% |
| Madison | $194 | 8% |
| Mahan | $178 | -1% |
| Maidsville | $169 | -6% |
| Mallory | $204 | 13% |
| Mammoth | $179 | 0% |
| Man | $204 | 13% |
| Mannington | $175 | -3% |
| Marfrance | $172 | -4% |
| Marianna | $199 | 11% |
| Marlinton | $186 | 4% |
| Marmet | $179 | 0% |
| Martinsburg | $158 | -12% |
| Mason | $179 | 0% |
| Masontown | $188 | 5% |
| Matewan | $217 | 21% |
| Matheny | $199 | 11% |
| Mathias | $168 | -6% |
| Matoaka | $174 | -3% |
| Maxwelton | $171 | -5% |
| Maybeury | $194 | 8% |
| Maysel | $194 | 8% |
| Maysville | $177 | -1% |
| McGraws | $198 | 10% |
| McMechen | $169 | -6% |
| Meadow Bluff | $173 | -4% |
| Meadow Bridge | $175 | -3% |
| Meadow Creek | $177 | -1% |
| Meadowbrook | $173 | -4% |
| Metz | $175 | -2% |
| Miami | $179 | 0% |
| Middlebourne | $177 | -1% |
| Midkiff | $208 | 16% |
| Midway | $176 | -2% |
| Milam | $175 | -2% |
| Mill Creek | $189 | 5% |
| Millstone | $195 | 9% |
| Millville | $162 | -10% |
| Millwood | $185 | 3% |
| Milton | $180 | 0% |
| Minden | $170 | -5% |
| Mineral Wells | $175 | -2% |
| Moatsville | $193 | 8% |
| Mohawk | $203 | 13% |
| Monongah | $169 | -6% |
| Montana Mines | $172 | -4% |
| Montcalm | $169 | -6% |
| Monterville | $187 | 4% |
| Montgomery | $176 | -2% |
| Montrose | $187 | 4% |
| Moorefield | $171 | -5% |
| Moundsville | $168 | -6% |
| Mount Alto | $184 | 3% |
| Mount Carbon | $173 | -4% |
| Mount Clare | $174 | -3% |
| Mount Gay | $203 | 13% |
| Mount Gay-Shamrock | $203 | 13% |
| Mount Hope | $172 | -4% |
| Mount Lookout | $178 | -1% |
| Mount Nebo | $177 | -1% |
| Mount Storm | $179 | 0% |
| Mount Zion | $196 | 9% |
| Mullens | $195 | 9% |
| Munday | $191 | 6% |
| Myra | $204 | 14% |
| Nallen | $174 | -3% |
| Naoma | $185 | 3% |
| Napier | $189 | 6% |
| Naugatuck | $221 | 23% |
| Nebo | $192 | 7% |
| Nellis | $190 | 6% |
| Nemours | $169 | -6% |
| Nettie | $177 | -1% |
| New Creek | $170 | -5% |
| New Cumberland | $168 | -6% |
| New Haven | $178 | -1% |
| New Manchester | $168 | -6% |
| New Martinsville | $174 | -3% |
| New Milton | $190 | 6% |
| New Richmond | $197 | 10% |
| Newburg | $190 | 6% |
| Newell | $169 | -6% |
| Newhall | $197 | 10% |
| Newton | $198 | 10% |
| Newtown | $219 | 22% |
| Nicut | $192 | 7% |
| Nimitz | $177 | -1% |
| Nitro | $176 | -2% |
| Nobe | $193 | 8% |
| Normantown | $192 | 7% |
| North Hills | $174 | -3% |
| North Matewan | $219 | 22% |
| North Spring | $201 | 12% |
| Northfork | $197 | 10% |
| Norton | $184 | 3% |
| Nutter Fort | $173 | -4% |
| Oak Hill | $170 | -6% |
| Oakvale | $171 | -5% |
| Oceana | $198 | 10% |
| Odd | $179 | 0% |
| Old Fields | $171 | -5% |
| Omar | $207 | 16% |
| Ona | $180 | 0% |
| Onego | $187 | 4% |
| Orgas | $191 | 6% |
| Orlando | $187 | 4% |
| Orma | $197 | 10% |
| Osage | $169 | -6% |
| Ottawa | $195 | 9% |
| Paden City | $174 | -3% |
| Page | $174 | -3% |
| Pageton | $195 | 9% |
| Palestine | $195 | 9% |
| Panther | $198 | 10% |
| Parsons | $192 | 7% |
| Paw Paw | $164 | -9% |
| Pax | $171 | -4% |
| Paynesville | $199 | 11% |
| Pea Ridge | $181 | 1% |
| Peach Creek | $203 | 13% |
| Pecks Mill | $203 | 13% |
| Pence Springs | $177 | -1% |
| Pennsboro | $190 | 6% |
| Pentress | $169 | -6% |
| Perkins | $192 | 7% |
| Petersburg | $177 | -1% |
| Peterstown | $177 | -1% |
| Petroleum | $191 | 7% |
| Peytona | $188 | 5% |
| Philippi | $194 | 8% |
| Pickens | $186 | 4% |
| Piedmont | $168 | -6% |
| Pinch | $180 | 1% |
| Pine Grove | $181 | 1% |
| Pineville | $196 | 9% |
| Piney View | $176 | -2% |
| Pipestem | $178 | -1% |
| Pleasant Valley | $169 | -6% |
| Poca | $178 | -1% |
| Point Pleasant | $179 | 0% |
| Points | $169 | -6% |
| Pond Gap | $182 | 1% |
| Pool | $179 | 0% |
| Porters Falls | $176 | -2% |
| Powellton | $174 | -3% |
| Pratt | $178 | -1% |
| Premier | $194 | 8% |
| Prichard | $206 | 15% |
| Prince | $175 | -3% |
| Princeton | $171 | -5% |
| Princewick | $176 | -2% |
| Procious | $193 | 7% |
| Proctor | $170 | -5% |
| Prosperity | $176 | -2% |
| Pullman | $195 | 9% |
| Purgitsville | $170 | -5% |
| Pursglove | $169 | -6% |
| Quinwood | $172 | -4% |
| Rachel | $174 | -3% |
| Racine | $187 | 4% |
| Ragland | $219 | 22% |
| Rainelle | $174 | -3% |
| Raleigh | $176 | -2% |
| Ranger | $209 | 17% |
| Ranson | $161 | -10% |
| Ravencliff | $199 | 11% |
| Ravenswood | $182 | 2% |
| Rawl | $219 | 22% |
| Raysal | $199 | 11% |
| Reader | $176 | -2% |
| Red Creek | $188 | 5% |
| Red House | $177 | -2% |
| Red Jacket | $216 | 21% |
| Reedsville | $186 | 4% |
| Reedy | $195 | 9% |
| Renick | $169 | -6% |
| Reynoldsville | $174 | -3% |
| Rhodell | $177 | -1% |
| Richwood | $178 | -1% |
| Ridgeley | $168 | -6% |
| Ridgeview | $187 | 4% |
| Ridgeway | $160 | -11% |
| Rio | $169 | -6% |
| Ripley | $183 | 2% |
| Rippon | $162 | -10% |
| Riverton | $187 | 4% |
| Rivesville | $171 | -5% |
| Robinette | $205 | 14% |
| Robson | $174 | -3% |
| Rock | $169 | -6% |
| Rock Castle | $184 | 2% |
| Rock Cave | $194 | 8% |
| Rock Creek | $180 | 1% |
| Rock View | $196 | 9% |
| Rockport | $178 | -1% |
| Roderfield | $198 | 11% |
| Romney | $170 | -5% |
| Ronceverte | $170 | -5% |
| Rosedale | $192 | 7% |
| Rosemont | $189 | 5% |
| Rossmore | $203 | 13% |
| Rowlesburg | $191 | 7% |
| Rupert | $171 | -5% |
| Russelville | $175 | -2% |
| Sabine | $196 | 9% |
| Salem | $182 | 1% |
| Salt Rock | $186 | 4% |
| Sand Fork | $191 | 6% |
| Sand Ridge | $197 | 10% |
| Sandstone | $179 | 0% |
| Sandyville | $189 | 5% |
| Sarah Ann | $207 | 15% |
| Saulsville | $198 | 10% |
| Saxon | $181 | 1% |
| Scarbro | $171 | -5% |
| Scott Depot | $177 | -2% |
| Second Creek | $177 | -1% |
| Selbyville | $191 | 7% |
| Seneca Rocks | $187 | 4% |
| Seth | $189 | 5% |
| Shady Spring | $175 | -2% |
| Shanks | $169 | -6% |
| Shannondale | $162 | -10% |
| Sharples | $211 | 18% |
| Shenandoah Junction | $159 | -11% |
| Shepherdstown | $159 | -11% |
| Shinnston | $172 | -4% |
| Shirley | $183 | 2% |
| Shoals | $193 | 7% |
| Shock | $193 | 7% |
| Short Creek | $167 | -7% |
| Simon | $200 | 11% |
| Simpson | $189 | 5% |
| Sinks Grove | $176 | -2% |
| Sissonville | $183 | 2% |
| Sistersville | $177 | -1% |
| Skelton | $176 | -2% |
| Slab Fork | $177 | -1% |
| Slanesville | $168 | -6% |
| Slatyfork | $187 | 4% |
| Smithburg | $186 | 4% |
| Smithers | $175 | -3% |
| Smithfield | $185 | 3% |
| Smithville | $190 | 6% |
| Smoot | $173 | -4% |
| Snowshoe | $186 | 4% |
| Sod | $206 | 15% |
| Sophia | $177 | -1% |
| South Charleston | $174 | -3% |
| Southside | $181 | 1% |
| Spanishburg | $172 | -4% |
| Spelter | $172 | -4% |
| Spencer | $192 | 7% |
| Spring Dale | $174 | -3% |
| Spurlockville | $201 | 12% |
| Squire | $199 | 11% |
| St. Albans | $177 | -1% |
| St. Marys | $186 | 4% |
| Stanaford | $176 | -2% |
| Standard | $178 | -1% |
| Star City | $165 | -8% |
| Stephenson | $197 | 10% |
| Stollings | $205 | 14% |
| Stonewood | $172 | -4% |
| Stouts Mills | $191 | 6% |
| Sugar Grove | $187 | 4% |
| Sumerco | $206 | 15% |
| Summersville | $179 | 0% |
| Summit Point | $163 | -9% |
| Surveyor | $175 | -3% |
| Sutton | $185 | 3% |
| Swiss | $180 | 0% |
| Switchback | $194 | 8% |
| Switzer | $203 | 13% |
| Sylvester | $191 | 6% |
| Tad | $179 | 0% |
| Talcott | $178 | -1% |
| Tallmansville | $191 | 7% |
| Tanner | $193 | 8% |
| Taplin | $204 | 14% |
| Teays Valley | $177 | -1% |
| Terra Alta | $189 | 5% |
| Tesla | $189 | 5% |
| Thacker | $219 | 22% |
| Thomas | $192 | 7% |
| Thornton | $192 | 7% |
| Thorpe | $195 | 9% |
| Thurmond | $173 | -4% |
| Tioga | $179 | 0% |
| Tornado | $183 | 2% |
| Triadelphia | $162 | -10% |
| Trout | $171 | -5% |
| Troy | $194 | 8% |
| Tunnelton | $190 | 6% |
| Turtle Creek | $194 | 8% |
| Twilight | $195 | 9% |
| Uneeda | $194 | 8% |
| Union | $177 | -1% |
| Upper Falls | $181 | 1% |
| Upper Tract | $186 | 4% |
| Upperglade | $187 | 4% |
| Valley Bend | $185 | 3% |
| Valley Fork | $194 | 8% |
| Valley Grove | $163 | -9% |
| Valley Head | $187 | 4% |
| Vallscreek | $197 | 10% |
| Van | $194 | 8% |
| Varney | $219 | 22% |
| Verdunville | $201 | 12% |
| Verner | $220 | 23% |
| Victor | $173 | -3% |
| Vienna | $176 | -2% |
| Vivian | $195 | 9% |
| Volga | $190 | 6% |
| Vulcan | $219 | 22% |
| Waiteville | $176 | -2% |
| Walkersville | $191 | 7% |
| Wallace | $180 | 0% |
| Wallback | $194 | 8% |
| Walton | $197 | 10% |
| Wana | $174 | -3% |
| War | $195 | 9% |
| Wardensville | $171 | -5% |
| Warriormine | $196 | 9% |
| Washington | $171 | -5% |
| Waverly | $177 | -2% |
| Wayne | $209 | 16% |
| Wayside | $177 | -2% |
| Webster Springs | $187 | 4% |
| Weirton | $166 | -7% |
| Welch | $195 | 9% |
| Wellsburg | $167 | -7% |
| West Columbia | $179 | 0% |
| West Hamlin | $208 | 16% |
| West Liberty | $164 | -8% |
| West Milford | $179 | 0% |
| West Union | $186 | 4% |
| Weston | $187 | 4% |
| Westover | $166 | -7% |
| Wharncliffe | $216 | 21% |
| Wharton | $195 | 9% |
| White Oak | $176 | -2% |
| White Sulphur Springs | $170 | -5% |
| Whitesville | $182 | 1% |
| Whitman | $203 | 13% |
| Whitmer | $185 | 3% |
| Whittaker | $178 | -1% |
| Widen | $191 | 7% |
| Wilcoe | $195 | 9% |
| Wildcat | $185 | 3% |
| Wiley Ford | $169 | -6% |
| Wilkinson | $203 | 13% |
| Williamsburg | $171 | -5% |
| Williamson | $219 | 22% |
| Williamstown | $178 | -1% |
| Willow Island | $185 | 3% |
| Wilsondale | $216 | 20% |
| Winding Gulf | $176 | -2% |
| Windsor Heights | $168 | -6% |
| Winfield | $178 | -1% |
| Winifrede | $180 | 1% |
| Winona | $175 | -2% |
| Wolf Creek | $176 | -2% |
| Wolfe | $169 | -6% |
| Woodville | $199 | 11% |
| Worthington | $172 | -4% |
| Wyatt | $177 | -1% |
| Wyco | $193 | 8% |
| Wyoming | $197 | 10% |
| Yawkey | $205 | 14% |
| Yellow Spring | $170 | -5% |
| Yolyn | $212 | 18% |
Cheap car insurance in WV for young drivers
In West Virginia, teen drivers pay around three times as much for car insurance as 30-year-olds. Insurance companies charge young drivers higher rates because their lack of driving experience makes them more likely to cause crashes.
If you're a young driver shopping for car insurance in West Virginia, you'll likely find more affordable rates at Erie. USAA offers even cheaper rates for teen drivers with military ties.
Affordable WV auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $76 | $302 |
| Westfield | $128 | $465 |
| Geico | $164 | $417 |
| State Farm | $191 | $502 |
| Progressive | $213 | $549 |
*USAA is only available to military members, veterans and some of their family members.
- The best way for West Virginia teens to save money on their car insurance is by sharing a policy with their parents or an older relative. A family policy typically costs much less than two separate policies.
- Most car insurance companies also offer discounts geared toward young drivers. For example, Erie offers discounts for drivers under 21 years old who live with their parents or take a driver training course.
- It's also a good idea to bundle your renters or homeowners insurance with your auto policy for more savings.
Cheap insurance in WV after a speeding ticket or accident
Tickets and accidents can cause a big jump in your car insurance rates. That's because auto insurance companies in West Virginia believe drivers with a bad record are more likely to cause a crash in the future, which makes them more expensive to cover.
If you were caught speeding or caused an accident, you can save money by comparing quotes from Erie, Westfield and State Farm.
Cheapest West Virginia insurance for drivers with a bad record
Company | Speeding rate | Accident rate |
|---|---|---|
| Erie | $148 | $161 |
| Westfield | $149 | $214 |
| State Farm | $183 | $172 |
| Geico | $238 | $311 |
| Progressive | $277 | $257 |
Rates are for a full coverage policy with collision and comprehensive coverage.
In West Virginia, drivers with a speeding ticket pay 21% more for car insurance than those with a clean record. And car insurance quotes go up by an average of 42% after an accident.
There’s no need to rush and switch insurance companies right after an accident. Your rates won't increase until your current policy renews. However, any quotes you get will consider your accident, so they'll probably be more expensive than your current rate.
Instead, wait until you get your renewal offer in the mail or via email before you shop for a new policy. This typically arrives a few weeks to a month before your current policy expires. Then, you should compare quotes from multiple companies to find the best price for you.
Cheap insurance in WV for teens with bad driving records
Teens can have a hard time finding affordable car insurance after a speeding ticket or accident. In fact, young drivers in West Virginia see increases of about 17% after a ticket and 25% after a crash.
In our experience reviewing thousands of quotes, ValuePenguin found Erie still offers very reasonable car insurance rates for teens, even with a bad driving record.
Cheapest WV insurance for teens with a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $89 | $91 |
| Westfield | $128 | $145 |
| Geico | $198 | $252 |
| State Farm | $208 | $191 |
| Progressive | $235 | $227 |
Rates are for a minimum liability policy. *USAA is only available to military members, veterans and some of their family members.
Good grades could earn you a serious discount: Most companies offer a good student discount for having a 3.0 or B GPA or higher, including Erie, Geico and State Farm.
For example, Geico's good student discount can save you up to 15% on your car insurance bill. That could mean a savings of $356 per year after a ticket, or $545 per year after an accident.
Cheap auto insurance for West Virginia drivers with a DUI
Car insurance quotes are 77% more expensive for drivers with a DUI in West Virginia. A DUI is one of the most serious driving offenses, and insurance companies believe that people with DUIs are much more likely to make insurance claims.
West Virginia drivers with a DUI can typically save money with Erie. Full coverage from Erie costs $94 per month less than the second-cheapest company, Progressive.
Best rates from WV car insurance companies after a DUI
Company | Monthly rate | Annual rate |
|---|---|---|
| Erie | $206 | $2,472 |
| Progressive | $300 | $3,600 |
| Allstate | $315 | $3,780 |
| Geico | $331 | $3,972 |
| Westfield | $344 | $4,128 |
*USAA is only available to military members, veterans and some of their family members.
Low-cost car insurance in WV for drivers with poor credit
Drivers in West Virginia with poor credit pay an average of 96% more for full coverage insurance than people with good credit scores. This is because insurance companies believe drivers with poor credit scores are more likely to file insurance claims.
If you have bad credit, Westfield is probably your best bet for finding affordable car insurance. Although Westfield doesn't offer online quotes, its cheap rates make up for the extra time it takes to speak with an agent. Its full coverage costs an average of $65 per month less than the second-cheapest company, Geico.
Cheapest WV car insurance with poor credit
Company | Monthly rate | Annual rate |
|---|---|---|
| Westfield | $212 | $2,544 |
| Geico | $277 | $3,324 |
| Erie | $311 | $3,732 |
| Nationwide | $328 | $3,936 |
| Progressive | $360 | $4,320 |
*USAA is only available to military members, veterans and some of their family members.
How have car insurance rates in West Virginia changed over time?
The cost of car insurance in West Virginia has increased by nearly 24% over the last five years. That's much less than most other states, as rates have gone up by around 37% nationally over the same time period.
The largest rate hikes were in 2024, when car insurance prices went up more than 13%. But West Virginia drivers should see their rates go down in 2026 for the first time in five years.
Year | Rate change |
|---|---|
| 2022 | 1.06% |
| 2023 | 7.76% |
| 2024 | 13.14% |
| 2025 | 9.00% |
| 2026 | -3.43% |
Car insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Erie has the most affordable rates in West Virginia, but it also had the biggest rate increase over the last five years, at nearly 51%. State Farm had one of the smallest rate increases over that time period, at just 5%.
What is the minimum insurance 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, West Virginia drivers also need uninsured motorist insurance, which covers you if you're in an accident with an uninsured driver.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage: $25,000 per accident
Like most states, West Virginia requires drivers to purchase car insurance to financially protect themselves and others on the road.
If you're caught driving without coverage, the state considers it a misdemeanor that's punishable by a fine, and you'll lose your driving privileges.
Potential fines and penalties for driving without insurance in West Virginia- Driving privileges: Driver's license and vehicle registration suspended for 30 days and then until proof of insurance is submitted
- Fine: If proof of insurance is submitted before the suspensions' effective date: $200
- Other fees: $50 driver's license reinstatement fee, %100 vehicle registration reinstatement fee
If you use your car seasonally, you can cancel your insurance while it's stored and you're not driving it. Before canceling your policy, you must submit what's called a Statement of Seasonal Insurance with the West Virginia DMV. Just make sure to reinstate your policy or buy a new one before driving your car on public roads.
What's the best car insurance coverage for West Virginia drivers?
Most drivers in West Virginia should get full coverage car insurance.
Minimum coverage meets West Virginia's minimum legal requirements for car insurance, but it doesn't protect you or your vehicle.
Full coverage includes collision and comprehensive insurance. These coverages pay for damage to your car after a crash, theft, vandalism or a natural disaster — regardless of who's at fault.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. Both types of coverage are also a good idea if your car is newer than 8 years old or worth more than $8,000.
If you choose the lowest liability coverage limits and skip comprehensive and collision coverage, you'll save money on your monthly rate, but you risk having to pay a lot more out of pocket if your car is damaged in an at-fault crash.
For example, if you crash into and total a brand-new pickup truck, $25,000 of property damage liability probably won't be enough to pay for a new vehicle for the other driver. If you only have minimum liability insurance, you'll have to pay the difference.
Frequently asked questions
What is the cheapest car insurance in WV?
For 2026, Erie has the cheapest full coverage car insurance rates in West Virginia, at an average of $135 per month. That's $45 per month less than the statewide average. Erie also has the cheapest minimum liability coverage in West Virginia, at $36 per month.
How much is car insurance in West Virginia?
Car insurance in West Virginia costs an average of $179 per month for full coverage insurance. Minimum liability coverage costs $65 per month.
Is Westfield cheaper than State Farm?
Westfield has cheaper rates than State Farm in West Virginia. The average rate for full coverage in WV is $135 per month. The same coverage from State Farm costs $172 per month.
What is full coverage insurance in WV?
Full coverage insurance usually means that you get liability insurance plus collision and comprehensive coverage, which pay for various types of damage to your car, regardless of who causes it. Typically with full coverage, you also choose higher liability limits than the state requirements. This can save you money in the long run if you end up causing an expensive accident, because the minimum liability limits may not cover the full cost.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across West Virginia for the largest insurance companies in the state. Quotes are for a 30-year-old man with a 2018 Honda Civic EX and good credit.
Full coverage rates are for a policy with liability coverage above the minimum limits, plus collision and comprehensive coverage.
- $50,000 of bodily injury liability coverage per person and $100,000 per accident
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person and $100,000 per accident
- $25,000 of uninsured motorist property damage coverage per accident
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
