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.
Find Cheap Car Insurance Quotes in West Virginia
Best cheap auto insurance in WV
Erie is the cheapest company for most people in West Virginia.
- Want full coverage? Erie: $135/mo
- Only need minimum liability coverage? Erie: $35/mo
- Want the best customer service? Erie: $135/mo
- Have a speeding ticket? Erie: $148/mo
- Caused an accident? Erie: $161/mo
- Need coverage for a young driver? Erie: $76/mo
- Got a DUI? Erie: $206/mo
- Have poor credit? Westfield: $212/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in West Virginia: Erie and USAA
Erie and USAA have the cheapest quotes for full coverage car insurance in West Virginia.
- Erie offers the best combination of cheap rates and great service for most West Virginia drivers. At around $135 per month, full coverage from Erie costs one-quarter less than the statewide average.
- USAA has even cheaper rates for full coverage insurance, at just $112 per month. However, only active-duty military members, veterans, reservists and some of their family members can get car insurance from USAA.
Find Cheap Car Insurance Quotes in West Virginia
Best cheap full coverage auto insurance in West Virginia
Company | Monthly rate |
|---|---|
| Erie | $135 |
| Westfield | $149 |
| State Farm | $172 |
| Geico | $187 |
| USAA | $112 |
USAA is only available to current and former military members and their families.
Data-powered research on West Virginia car insurance
Cheapest liability insurance car insurance quotes in WV: Erie
Erie has the cheapest minimum liability car insurance quotes in West Virginia. At $35 per month, a minimum liability policy from Erie costs $30 per month less than the state average.
Cheapest West Virginia auto insurance rates
Company | Monthly rate |
|---|---|
| Erie | $35 |
| Westfield | $41 |
| State Farm | $57 |
| Geico | $74 |
| USAA | $34 |
USAA is only available to current and former military members and their families.
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.
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.
Cheapest car insurance quotes in WV by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Charleston | $177 | Erie | $129 |
| Huntington | $181 | Erie | $134 |
| Morgantown | $166 | Erie | $123 |
| Parkersburg | $171 | Erie | $128 |
| Wheeling | $163 | Erie | $114 |
| Accoville | $205 | Erie | $157 |
| Adrian | $191 | Erie | $138 |
| Advent | $184 | Erie | $139 |
| Albright | $188 | Erie | $138 |
| Alderson | $173 | Erie | $130 |
| Alkol | $205 | Erie | $147 |
| Allen Junction | $195 | Erie | $151 |
| Alloy | $173 | Erie | $125 |
| Alma | $178 | Erie | $132 |
| Alum Bridge | $188 | Erie | $142 |
| Alum Creek | $193 | Erie | $129 |
| Amherstdale | $205 | Erie | $157 |
| Amigo | $194 | Erie | $151 |
| Amma | $192 | Erie | $149 |
| Anawalt | $195 | Erie | $157 |
| Anmoore | $172 | Erie | $125 |
| Annamoriah | $193 | Erie | $149 |
| Ansted | $173 | Erie | $125 |
| Apple Grove | $182 | Erie | $139 |
| Arbovale | $187 | Erie | $130 |
| Arnett | $184 | Erie | $125 |
| Arnoldsburg | $197 | Erie | $149 |
| Arthurdale | $187 | Erie | $138 |
| Artie | $179 | Erie | $125 |
| Asbury | $172 | Erie | $130 |
| Ashford | $189 | Erie | $125 |
| Ashton | $182 | Erie | $139 |
| Athens | $169 | Erie | $125 |
| Auburn | $195 | Erie | $142 |
| Augusta | $169 | Erie | $119 |
| Aurora | $192 | Erie | $138 |
| Avondale | $195 | Erie | $157 |
| Baisden | $216 | Erie | $157 |
| Baker | $170 | Erie | $119 |
| Bakerton | $162 | Erie | $119 |
| Ballard | $177 | Erie | $130 |
| Ballengee | $178 | Erie | $130 |
| Bancroft | $176 | Erie | $131 |
| Bandytown | $195 | Erie | $125 |
| Barboursville | $184 | Erie | $134 |
| Barrackville | $171 | Erie | $123 |
| Bartley | $196 | Erie | $157 |
| Bartow | $186 | Erie | $130 |
| Baxter | $171 | Erie | $127 |
| Bayard | $180 | Erie | $130 |
| Beaver | $175 | Erie | $125 |
| Beckley | $176 | Erie | $125 |
Find Cheap Car Insurance Quotes in West Virginia
Best car insurance in West Virginia: Erie
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Full coverage rate$135/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processBestClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
ValuePenguin Senior Writer, Lindsay Bishop, chose the best car insurance companies in West Virginia based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in West Virginia
- Optional coverage add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap insurance in WV after a speeding ticket: Erie
- Erie is the cheapest company for West Virginia drivers with a recent speeding ticket. Full coverage from Erie costs $148 per month, which is $69 per month less than the West Virginia average.
- It's also a good idea to also get a quote from Westfield. You’ll need to contact an agent directly to get a quote, but the company has good customer service and might be cheaper for you than Erie.
Cheapest West Virginia insurance for drivers with a speeding ticket
Company | Monthly rate |
|---|---|
| Erie | $148 |
| Westfield | $149 |
| State Farm | $183 |
| Geico | $238 |
| USAA | $130 |
USAA is only available to current and former military members and their families.
In West Virginia, drivers with a speeding ticket pay 21% more for car insurance than those with clean records.
Cheapest insurance in WV after an accident: Erie
- Erie has the best auto insurance quotes for West Virginia drivers with an at-fault accident. At $161 per month, full coverage from Erie is $94 per month cheaper than the state average.
- State Farm also has affordable rates after an accident, at $172 per month, on average.
Affordable WV car insurance companies after an accident
Company | Monthly rate |
|---|---|
| Erie | $161 |
| State Farm | $172 |
| Westfield | $214 |
| Progressive | $257 |
| USAA | $158 |
USAA is only available to current and former military members and their families.
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 car insurance in WV for young drivers: Erie
Erie is the cheapest option for young drivers shopping for car insurance in West Virginia.
- A minimum liability policy from Erie costs $76 per month for an 18-year-old driver. That's less than half the West Virginia average.
- Erie also has the cheapest full coverage rates for teen drivers. At $302 per month, full coverage from Erie costs $242 per month less than the state average.
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 |
| USAA | $94 | $298 |
USAA is only available to current and former military members and their families.
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.
- 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 for teens with bad driving records: Erie
Erie offers the cheapest rates for young drivers in West Virginia with a speeding ticket or recent at-fault accident.
- Speeding ticket: After a speeding ticket, Erie charges teens $89 per month for minimum liability insurance. That's less than half the West Virginia state average.
- Accident: Minimum liability coverage from Erie costs $91 per month after an at-fault accident, which is also less than half the state average.
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 |
| USAA | $133 | $167 |
USAA is only available to current and former military members and their families.
Young drivers in West Virginia see increases of about 17% after a ticket and 25% after a crash. This is because insurance companies believe teens with a recent ticket or crash are more likely to cause crashes in the future.
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: Erie
At an average of $206 per month for full coverage, Erie has the cheapest quotes in West Virginia for drivers with a DUI. That's $111 per month less than the average rate statewide.
Best rates from WV car insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Erie | $206 |
| Progressive | $300 |
| Allstate | $315 |
| Geico | $331 |
| USAA | $203 |
*USAA is only available to current and former military members and their families.
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.
Low-cost car insurance in WV for drivers with poor credit: Westfield
- Westfield has the best quotes for West Virginia drivers with poor credit, at $212 per month for full coverage. This is $140 per month cheaper than average. Although Westfield doesn't offer online quotes, its cheap rates make up for the extra time it takes to speak with an agent.
- Geico is the cheapest company with online quotes for West Virginia drivers with poor credit, but the company's rates are still $65 per month more than Westfield's.
Cheapest WV car insurance with poor credit
Company | Monthly rate |
|---|---|
| Westfield | $212 |
| Geico | $277 |
| Erie | $311 |
| Nationwide | $328 |
| USAA | $211 |
USAA is only available to current and former military members and their families.
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.
Is your car insurance company raising rates in West Virginia in 2026?
A couple of major insurance companies have raised rates in West Virginia in 2026, but some have also lowered their car insurance rates across the state.
- ↑ Biggest increase: Westfield at +2.6%
- ↓ Biggest decrease: American Family at -2.9%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| American Family | ↓ 2.9% | ↓ 8.9% |
| Nationwide | ↓ 1.6% | ↑ 42.1% |
| Farmers | ↓ 0.7% | ↑ 26.0% |
| State Farm | ↓ 0.5% | ↑ 15.9% |
| USAA | 0.0% | ↑ 10.5% |
| Sentry | 0.0% | ↑ 13.0% |
| Liberty Mutual | 0.0% | ↑ 29.9% |
| AAA | 0.0% | ↑ 33.5% |
| Geico | 0.0% | ↑ 37.1% |
| Allstate | ↑ 1.5% | ↑ 30.8% |
| Westfield | ↑ 2.6% | ↑ 30.9% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
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.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the West Virginia Offices of the Insurance Commissioner. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
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.
