- Average cost of car insurance in West Virginia
- Best car insurance in West Virginia: Erie Insurance
- Cheapest car insurance in West Virginia: Nationwide
- West Virginia car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in West Virginia
- Cheapest car insurance cost in West Virginia by age
- Cheapest car insurance companies in West Virginia by driver profile
- Compare auto insurance rates by city in West Virginia
- Car insurance premium trends in West Virginia
- Methodology
- Compare West Virginia car insurance rates with other states
Average cost of car insurance in West Virginia
The average car insurance rate in West Virginia is $2,005 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in West Virginia is $510.
Best car insurance in West Virginia: Erie Insurance
Erie Insurance is the best car insurance company in West Virginia, based on an analysis by Insurance.com, with an overall rating of 3.75. Nationwide was a close second.
Below is a full list of the top West Virginia insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 863 | 0.61 | $1,709 | 3.75 |
| Nationwide | A+ | 820 | 0.64 | $1,215 | 3.43 |
| State Farm | A++ | 843 | 0.7 | $1,691 | 3.42 |
| Progressive | A+ | 814 | 0.65 | $1,825 | 3.15 |
| Geico | A++ | 818 | 0.91 | $2,248 | 2.89 |
| Farmers | A | 803 | 0.8 | $2,442 | 2.66 |
| Westfield Insurance | A | 833 | 1.08 | $2,111 | 2.57 |
| Allstate | A+ | 825 | 0.65 | $3,132 | 2.57 |
Cheapest car insurance in West Virginia: Nationwide
We have gathered price quotes from all the major insurance providers in West Virginia and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide is the cheapest auto insurance company in West Virginia, with average rates of $1,215 annually or $101 a month for full coverage. USAA offers cheaper rates if you are eligible.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $270 | $325 | $1,189 |
| Nationwide | $424 | $455 | $1,215 |
| State Farm | $395 | $463 | $1,691 |
| Erie Insurance | $368 | $440 | $1,709 |
| Progressive | $701 | $757 | $1,825 |
| Westfield Insurance | $368 | $443 | $2,111 |
| Geico | $578 | $678 | $2,248 |
| Farmers | $681 | $716 | $2,442 |
| Encova | $778 | $913 | $2,933 |
| Allstate | $774 | $837 | $3,132 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in West Virginia
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 25511 | Dunlow | $210 |
| 25669 | Crum | $209 |
| 25534 | Cove Gap | $205 |
| 25699 | Wilsondale | $205 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 26059 | Triadelphia | $158 |
| 25401 | Martinsburg | $159 |
| 25405 | Martinsburg | $159 |
| 25404 | Tuscarora | $159 |
The West Virginia Offices of the Insurance Commissioner says...
State law requires that West Virginia vehicle owners purchase the minimum coverage for liability and uninsured motorist protection. The West Virginia Department of Motor Vehicles conducts a random sample of registered vehicles to ensure that vehicle owners have purchased the minimum required insurance coverage. If the Department of Motor Vehicles cannot verify coverage, it will suspend your license and vehicle license plate.
- The West Virginia Offices of the Insurance CommissionerWest Virginia car insurance requirements
West Virginia's minimum car insurance coverage limits are 25/50/25. West Virginia's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $505 annually or $42 monthly.
Minimum liability insurance requirements for West Virginia:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per accident
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
- Uninsured motorist property damage coverage : $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in West Virginia
According to Insurance.com, Erie provides the cheapest state minimum liability insurance, averaging $362 annually or $30 monthly. USAA offers cheaper rates but is available only to military veterans and their families.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in West Virginia.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $270 | $22 |
| Erie Insurance | $362 | $30 |
| Westfield Insurance | $368 | $31 |
| State Farm | $395 | $33 |
| Nationwide | $421 | $35 |
| Geico | $562 | $47 |
| Progressive | $690 | $57 |
| Farmers | $758 | $63 |
| Allstate | $764 | $64 |
| Encova | $823 | $69 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in West Virginia by age
In West Virginia, car insurance rates are higher for teenagers; they’re more likely to have an accident.
Nationwide offers the cheapest car insurance for teen drivers in West Virginia at $3,879 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In West Virginia, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $1,191 per year and $1,189 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Nationwide | $4,412 | $368 |
| State Farm | $5,486 | $457 |
| Geico | $6,701 | $558 |
| USAA | $8,783 | $732 |
| Progressive | $11,071 | $923 |
| Farmers | $12,992 | $1,083 |
| Allstate | $17,614 | $1,468 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in West Virginia by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay higher rates.
However, the severity and frequency of the incidents will also affect insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average West Virginia rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| USAA | $1,189 | $1,745 | $1,372 |
| State Farm | $1,691 | $1,848 | $1,795 |
| Nationwide | $1,215 | $1,870 | $1,799 |
| Erie Insurance | $1,709 | $2,014 | $1,876 |
| Westfield Insurance | $2,111 | $3,095 | $2,111 |
| Progressive | $1,825 | $2,830 | $2,322 |
| Allstate | $3,132 | $4,392 | $3,477 |
| Farmers | $2,442 | $3,616 | $4,150 |
| Geico | $2,248 | $5,105 | $5,094 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in West Virginia
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in West Virginia will impact what you pay. Below, we've gathered West Virginia car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Charleston | $1,991 |
Parkersburg | $1,932 |
Car insurance premium trends in West Virginia
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in West Virginia to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare West Virginia car insurance rates with other states
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