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West Virginia’s Auto Insurance Requirements, Best Insurer Comparison, & Helpful Strategies to Save

If you are looking for West Virginia car insurance rates to compare or the state minimum cover you have come to the right place. Getting lower quotes is easy by entering your zip code in the advance comparison tool at the top of the page. If you want to learn more about minimum coverage requirements then read on and learn how to reduce your monthly premium today.

Cheapest quotes for 25 year old in West Virginia

Note: The average premium rate for a 25 year old driver in West Virginia is over $2,000 per year. We found Progressive, GEICO, and Farmers more than 22% cheaper than the average. For more detailed information please see rate table below.

Minimum Auto Insurance Requirements for West Virginia

CoverageWV Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$20,000 / $40,000$100,000 / $300,000
Property Damage$10,000$50,000
Uninsured Motorist Coverage BIL*$20,000 / $40,000$20,000 / $40,000
Uninsured Motorist Coverage PD**$10,000$10,000
Underinsured Motorist Bodily Injury***$20,000 / $40,000$20,000 / $40,000
Medical PaymentsOptional$5,000 limit
Comprehensive CoverageOptional$100 deductible
Collision CoverageOptional$500 deductible

*Bodily Injury Liability

**Property Damage

***Underinsured Motorist Bodily Injury coverage can be rejected in writing.

Uninsured Motorist Protection

Since there is a significant amount of uninsured motorists in WV, the state has required all drivers to get Uninsured Motorist Protection (UM) with the minimum amount of $20,000 per person and $40,000 per multiple passengers per vehicle.

UM is going to compensate you for your financial and non-financial losses which may have been incurred during the auto accident. You would have a legal claim as a result of the other driver’s negligence or if you are involved in an accident from a hit-and-run driver.

WV affordable premium choices for 30 year old driver.

Note: As illustrated, we found 5 insurers less than $1,250 per year for a 30 year old driver in WV. Progressive is the cheapest at $1,032. For more details please see rate table below.

Bodily Injury Liability

The minimum quantity of bodily injury liability cover that must be maintained is $20,000 for any medical expenses of a single person with up to $40,000 for all passengers in the car resulting from an auto accident.

West Virginia inexpensive premium options for 35 year old.

Note: The lowest rates for a 35 year old are found with Progressive, GEICO, and Farmers. All three are under $1,000 per year or approximately 23% cheaper.

Property Damage Liability

This mandatory cover is for damages to buildings, signs, places of business, and the other person’s vehicle. The insurance firm will cover up to $10,000 if you get minimum coverage.

In insurance terms you would see the numbers like this: 20/40/10 which represents thousands. Although these are the minimum amount of coverage for West Virginia you may want to consider other coverage when comparing cheap car insurance quotes.

WV lowest auto policy choices for 40 year old

Note: As illustrated, for the lowest rates start with Progressive, GEICO, and Farmers. Each clustering between $802 and $900 per year for a 40 year old driver.

Least Expensive Insurers by Rate & Age in WV

RankWV Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Progressive$1,532$1,032$899$802$678$590
2GEICO$1,654$1,143$986$887$754$600
3Farmers$1,678$1,176$999$900$788$611
4Erie$1,721$1,210$1,045$905$790$612
5Westfield$1,723$1,216$1,067$954$799$634
6State Farm$1,734$1,248$1,088$955$800$643
7Allstate$1,756$1,343$1,109$976$821$667
8Motorist Mutual$1,843$1,365$1,132$980$856$678
9Nationwide$1,876$1,387$1,167$990$866$690
10MetLife$1,908$1,432$1,187$1,008$878$698
11Sentry$1,965$1,439$1,202$999$887$723
12Travelers$2,008$1,548$1,226$1,012$899$741

West Virginia best auto policy choices for 45 year old.

Note: As illustrated, all 5 insurers are under $800 per year for a 45 year old driver. Progressive being the lowest at $678 per year.

Comprehensive & Collision

If you have an expensive vehicle then comprehensive or collision cover would be a necessary cover since it would be protected from theft or a broken window. Collision cover would be necessary if you hit an animal or accidentally ran into a tree, for example.

There is other coverage you may want to consider depending on your situation, but be sure to get proper cover for your automobile needs since it is more of a hassle to deal with an accident when you are not insured then when you are insured.

55 year old cheapest auto policy choices in West Virginia

Average Coverage per Driver

  • Bodily Injury Liability – $100,000/$300,000

  • Property Damage Liability – $50,000

  • Uninsured Motorist Protection – $20,000/$40,000

  • Medical Payments Cover – $5,000

  • Comprehensive Cover – $100 deductible

  • Collision Cover – $500 deductible

Best Insurers by Complaints, Rate Change, and Consumer Rating

RankWV Auto Insurance CompanyPremiums Rate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
1Progressive$299,268,000+1.8%14.6
2GEICO$84,754,000+1.9%04.5
3Farmers$37,765,000+2.8%24.4
4Erie$88,202,000+2.6%54.4
5Westfield$51,373,000+2.0%74.3
6State Farm$54,873,000+2.0%164.3
7Allstate$42,947,000 +1.8%74.2
8Motorist Mutual$29,765,000+2.3%54.2
9Nationwide$142,976,000 +1.9%84.2
10MetLife$38,487,000+2.5%94.0
11Sentry$18,769,000+2.6%64.0
12Travelers$31,620,000+2.4%24.0

Fines and penalties for driving without insurance

    • Registration of vehicle suspended. The reinstatement fee is minimum $100, plus proof of insurance. If the police pick up your license plate; an additional $50 fee.

    • Suspension of your driver’s license for thirty days – first offense.

    • Suspension of your driver’s license for ninety days – second offense

    • If convicted in a court of law, points will be added to your license and your insurance rates will go up drastically.

Average Rate by City

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Beckley$1,86517,238Elkins$1,9887,286Oak Hill$1,7438,175
Bluefield$1,91110,448Fairmont$2,04318,740Parkersburg$1,73230,981
Bridgeport$2,0088,358Huntington$2,05548,807Princeton$1,9626,359
Buckhannon$1,7695,679Logan$2,1001,600St. Albans$1,87610,835
Charleston$1,97616,242Martinsburg$2,08417,743Summersville$1,6323,434
Clarksburg$1,97550,404Morgantown$1,90231,073Vienna$1,68910,562
Charles Town$1,7595,706Moundsville$1,8758,891 Weirton$1,78419,362
Dunbar$1,7317,749New Haven$1,8111,514Wheeling$1,83227,790

Charleston, WV

Best auto premium choices fro 30, 45, and 55 year old driver in Charleston, WV.

Charleston, WV is the largest city and the capital of the state with 50,000 residents. The city is one of the largest salt produces in the world. The economy during the 20th century prospered primarily due to coal and gas and the expansion of the railroad in the area. Chemical, steel, timber, glass and other types of industries moved to the city primarily due to the vast amount of natural resources that were available.

Charleston is home to numerous annual events and fairs that take place throughout the city, from the banks of the Kanawha River to the capitol grounds. Some of the more notable festivals include, West Virginia Dance Festival, Vandalia Gathering, FestivALL, and the Charleston Sternwheel Regatta. The city has numerous indoor/outdoor farmers markets offering fresh fruits and vegetables.

Other attractions include, the West Virginia State Capital, Governor’s Mansion, Holly Grove Mansion, Avampato Discovery Museum, South Charleston Museum, West Virginia State Museum, and the Sunrise Museum.

The average auto insurance rate in Charleston is nearly $2,000 per year. We queried 7 insurers and found Progressive the cheapest at $1,065, followed by GEICO at $1,165, then Farmers at $1,238 for a 30 year old driver. All more than 32% lower than the citywide “mean” rate.

A 45 year old driver can find rates over 35% lower with Progressive ($732), GEICO ($841) and Farmers ($876). Erie and Westfield are over 30% lower at $907 and $965 respectfully.

A 55 year old driver can find rates under $700 with Progressive and GEICO each at $633 and $676 respectfully. Farmers, Erie, Westfield, and State Farm clustered between $710 and $790. Out of the 7 queried the most expensive is Allstate at $1,589 for a 30 year old, $1,043 for a 45 year old, and $811 for a 55 year old driver. Or 15% lower than the “mean” rate in Charleston.

Charleston CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Progressive$1,065$732$633
GEICO$1,165$841$676
Farmers$1,238$876$710
Erie$1,279$907$768
Westfield$1,365$965$788
State Farm$1,576$1,037$790
Allstate$1,589$1,043$811

Huntington, WV

Huntington, WV Cheapest auto premium options for 30 and 55 year old.

Huntington is the second largest city in the state with nearly 50,000 residents. The city was formerly known as Holderby’s Landing. The town took its name in tribute to Collis P. Huntington who established the town in 1870. It served as the western terminus of the Chesapeake and Ohio Railway and contained a significant railroad maintenance facility.

The region was earlier part of the French and Indian War Veteran’s Savage Grant. Huntington was a major center for passenger train service during the early portion of the 20th Century. During the 1950s its population experienced significant growth, primarily due to the thriving coal and chemical industries. Notable attractions include, Harris Riverfront Park, Ritter Park, Benjy’s Harley-Davidson Motorcycle Museum, Heritage Farm Museum & Village, and the historic Carnegie Library.

Find inexpensive insurance is fairly easy if you get quotes from Progressive, GEICO, and Farmers, Each we queried at $1,008, $1,065, and $1,109 respectfully for a 30 year old driver. Over 40% lower than the whopping “mean” rate of $2,055 per year.

A 45 year old driver can find rates lower than $700 with Progressive at $699. GEICO is slightly higher at $756, and Farmers nearly $80 more at $830. It would be smart to get quotes from insurers in the graph and table to find the most savings.

The cheapest rates for a 55 year old are with Progressive and GEICO. Each at $587 and $590 respectfully for a 55 year old. Out of 7 insurers queried Allstate is the most expensive $1,380 for a 30 year old, $990 for a 45 year old, and $749 for a 55 year old. The 30 year old quote by Allstate is more than 38% lower than the citywide average.

Huntington CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Progressive$1,008$699$587
GEICO$1,065$756$590
Farmers$1,109$830$643
Erie$1,165$883$650
Westfield$1,231$907$710
State Farm$1,365$987$742
Allstate$1,380$990$749

Morgantown, WV

Morgantown, WV low-costs premium choices for 30 and 55 year old.

Morgantown is the 3rd largest city in the state with nearly 31,000 residents. Named for its founder Colonel Zackquill Morgan, Morgantown became part of the newly created state of West Virginia in 1863 when slave-free counties seceded from the state of Virginia.

Morgantown is home to West Virginia University, the largest institution of higher education in the state with an annual enrollment of more than 25,000 students.

The city is part of one of the major growth areas in the state of West Virginia. Today, the city is the medical, commercial, and cultural focal point of the region. Attractions include, Cook-Hayman Pharmacy Museum, Easton Roller Mill, Monongalia Arts Center, Comer Museum, Core Arbotoreum, Big Bear Lake, and Cheat Canyon.

Find cheaper rates is easy if you get quotes from Progressive, Erie, and GEICO. Each at $987, $1,045, and $1,134 for a 30 year old driver. Or about 39% lower than the average rate of $1,902 per year.

For a 45 year old driver the cheapest insurer is Progressive at $786, followed by Erie at $832, and GEICO at $879. Westfield, Farmers, State Farm, and Allstate clustered between $900 and $989 for full coverage.

For a 55 year old we queried 3 insurers less than $700 or over 40% lower than the citywide “mean” rate. Progressive is the cheapest at $612, followed by Erie at $649, then GEICO at $690.

Morgantown CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Progressive$987$786$612
Erie$1,045$832$649
GEICO$1,134$879$690
Westfield$1,187$900$738
Farmers$1,208$922$786
State Farm$1,276$932$790
Allstate$1,308$989$810

Parkersburg, WV

Parkersburg, WV affordable premium insurers for 30 and 55 year old.

Parkersburg is the 4th largest city in the state with 30,000 residents. At its peak in 1960 there were more than 44,000 residents. There are many cultural events throughout the year which attract hundreds of visitors which include, Annual Mid-Ohio Valley Multi-Cultural Festival, Taste of Parkersburg, and the Downtown Throwdown. The latter started in 2014.

Outdoor enthusiasts enjoy the surrounding parks near Parkersburg. Some of the more notable parks include, Blue Rock, Forked Run, Strouds Run, and Wolf Run state park. Notable museums attracting tourists are, The Blennerhassett Museum of Regional History, Henry Cooper House, the Oil and Gas Museum, and the Sumnerite African-American History Museum.

Parkersburg is on the lower end of spectrum with an average rate of $1,732. To get the cheapest quotes start with Progressive, Erie, and GEICO. Each at $943, $1,008, and $1,097 respectfully for a 30 year old driver. Which is more than 35% lower than the citywide “mean” rate. Farmers is $1,239 or more than 24% lower or nearly $500 in savings.

For a 45 year old driver Progressive, Erie, and GEICO are the cheapest. Each we queried at $811, $832, and $876 respectfully for full coverage. Nearly $1,000 in savings when matched against the average rate. Westfield and Farmers are worth getting quotes from since we queried them at $904 and $956 respectfully.

For a 55 year old driver the lowest rates are with Progressive and Erie. Each at $621 and $654 which is over 50% lower than the citywide average in Parkersburg. For optimum coverage and maximum savings you may want to get quotes from all insurers illustrated.

Parkersburg CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Progressive$943$811$621
Erie$1,008$832$654
GEICO$1,097$876$680
Westfield$1,165$904$703
Farmers$1,239$956$755
State Farm$1,290$1,007$779
Allstate$1,365$1,032$802

Wheeling, WV

Wheeling, WV lowest premium options for 30 and 55 year old driver.

Wheeling, known as the “Nail Capital of the World” is the 5th largest city in the state with 28,000 residents. The city was established by Colonel Ebenezer Zane in 1769. Then recognize as town in 1795 an incorporated as city in 1836. During the 19th century, the city was also home to thriving glass works and cigar factories.

Due to the flourishing industries and a vast working population, Wheeling was one of the wealthiest per capita cities in the country near the end of the 19th century. The prosperity of the city during that time is conveyed in the attractive mansions which are still standing in the town. Today, many Victorian architectural structures can be seen, one being the The Eckhart House.

Finding cheap car insurance in Wheeling is easy if you know where to look. Start by getting quotes from Progressive, Erie, and Westfield. Each quoted at $933, $986, and $1,008 respectfully for a 30 year old driver.

A 45 year old can find savings by getting quotes from Progressive ($766) and Erie ($832). Which is more than 40% lower than the citywide average of $1,832 for full coverage. Westfield and GEICO are less than $800 coming in at $855 and $890. Still more than 35% lower than the “mean” rate.

A 55 year old can find one insurer less than $600 per year with Progressive at $598. Erie and Westfield are approximately $70 more with quotes at $621 and $659 respectfully. Out of the 7 insurers we queried the most expensive is Allstate at $1,156 for a 30 year old, $1,001 for a 45 year old, and $789 for a 55 year old driver.

Wheeling CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Progressive$933$766$598
Erie$986$832$621
Westfield$1,008$855$659
GEICO$1,076$890$670
Farmers$1,103$904$707
State Farm$1,109$988$754
Allstate$1,156$1,001$789

Final Thoughts

If you are in hurry you can get auto insurance quotes right from your home with the tool at the top of the page. You will get quotes from top providers to compare and the best part, there is no obligation to find out if you could save thirty or forty percent on car insurance.

You want to save money, if you could cut $40 off your monthly premium without sacrificing cover, then you would save almost $1,500 over the next three years. Give it try you might be able to save even more with Autoinsuresavings comparison tool.

Resources & Department of Motor Vehicles Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
900 Pennsylvania Ave, Charleston, WV 25302
(304) 558-3386
700 Washington St. E. #200, Charleston, WV 25301
(304) 347-5935
801 Madison Ave, Huntington, WV 25704
(800) 642-9066
WebsiteWebsiteWebsite
Sources

http://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/west-virginia-firm-foundation

https://www.consumeraffairs.com

http://www.kiplinger.com/article/insurance/

https://www.erieinsurance.com/auto-insurance/west-virginia

https://www.nerdwallet.com

https://www.geico.com

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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