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West Virginia Cheapest Car Insurance & Best Coverage Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org team of licensed insurance agents found Erie Insurance at $434 per year is the cheapest of all car insurance companies in West Virginia for state minimum policies.

Nationwide at $1,415 annually, is the cheapest car insurance company in West Virginia for full coverage policies.

Affordable West Virginia Car Insurance Rates

Choosing the right car insurance company can help you improve your level of coverage while you stay within your budget.

Cheapest Car Insurance in West Virginia - Key Takeaways
AutoInsureSavings.orgThe cheapest West Virginia car insurance options are:

Cheapest for minimum coverage: Erie Insurance
Cheapest for full coverage: Nationwide
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: Erie
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: Erie
For younger drivers with a speeding violation: State Farm
For younger drivers with an at-fault accident: State Farm

To help you save money and find the best deal on your car insurance premium in West Virginia, we have compared the best rates from several top companies in the insurance industry for various types of drivers and age groups. 

Cheapest car insurance in West Virginia with Erie, State Farm, and USAA compared to average rates.

Cheapest Car Insurance in West Virginia for Minimum Coverage

Our agents found that Erie offers the cheapest state minimum coverage car insurance for drivers in West Virginia with a clean driving record at $434 annually, which is 28% less expensive than the average cost for minimum liability from other car insurance companies in West Virginia at $598. 

CompanyAnnual costMonthly cost
Erie Insurance$434$36
State Farm$457$38
USAA$490$40
Nationwide$541$45
Westfield$568$47
Allstate$619$51
GEICO$684$57
Progressive$814$67
West Virginia average$598$49

*USAA is for qualified military members, their spouses, and direct family members. Car insurance rates may vary depending on the driver’s profile.

West Virginia drivers’ can purchase state minimum liability requirements for less than $600 per year from several providers.

While Erie and State Farm are the cheapest options for many drivers, we also found that Nationwide and Westfield are two good insurance carriers to consider based on our research for drivers who want to save the most money. 

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Minimum property damage and bodily injury liability policies are cheaper car insurance premiums, which exclude comprehensive and collision coverage, but AutoInsureSavings.org licensed agents recommend buying full coverage insurance in West Virginia since filing a claim with a minimum coverage car insurance policy, you could pay out-of-pocket expenses. 

Cheapest Full Coverage Car Insurance in West Virginia

We found that Nationwide offers cheap full coverage insurance for drivers in West Virginia with a $1,415 annual quote or 29% cheaper than the state average rate. 

State Farm is the next best option at $1,481 per year or 25% less expensive than West Virginia’s average $1,963 insurance rate. 

InsurerAnnual costMonthly cost
Nationwide$1,415$117
State Farm$1,481$123
GEICO$1,858$154
West Virginia average$1,963$163

*USAA is for qualified military personnel, their spouses, and direct family members. Rates may vary depending on driver profiles and zip codes.

The average driver in West Virginia paying for full coverage insurance is $163 per month. Drivers can find cheaper auto policies by comparing top car insurance providers’ rates like those listed here.

Cheapest Car Insurance in West Virginia with a Speeding Ticket

Our licensed agents found Erie offers the cheapest auto insurance rates for drivers in West Virginia with a speeding violation at $1,513 per year or a $126 monthly rate. Erie’s quote is 30% lower than the West Virginia average of $2,160 per year. 

InsurerAnnual costMonthly cost
Erie$1,513$126
State Farm$1,574$131
Westfield$1,946$162
West Virginia average$2,160$180

Average rates increase by $197 per year after a moving violation in West Virginia. Insurance companies use traffic tickets to assess risk; having one or more tickets on your driving record indicates you are riskier to the insurer than drivers with a clean driving history.

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According to the West Virginia Division of Motor Vehicles (DMV), if you receive five points in twelve months, you will receive a warning letter, and car insurance companies increase rates by 14% until the traffic violation falls off your driving record in two years. 

Cheapest Car Insurance in West Virginia with a Car Accident

State Farm offers the most affordable car insurance rates for drivers with a recent at-fault accident in West Virginia, with annual premiums as low as $1,687. That is $1,056 less than the state average, or 39% cheaper, amount drivers pay for coverage in West Virginia.

InsurerAnnual costMonthly cost
State Farm$1,687$140
Erie$1,941$161
GEICO$2,311$192
West Virginia average$2,743$228

Erie and GEICO are insurance companies that offer lower than state average rates for many drivers in West Virginia who have an accident on their record.

According to the West Virginia DMV, a car accident will remain on your motor vehicle record for two years, along with an average insurance rate increase of 29%.  

Cheapest Car Insurance With a DUI in West Virginia

Progressive offers the cheapest car insurance rates in West Virginia for drivers with a DUI in their driver history at $2,035 per year. The average rate for drivers with a DUI in West Virginia is $3,567, and Progressive best rates are 43% lower than other car insurance companies.

InsurerAnnual costMonthly cost
Progressive$2,035$169
State Farm$2,326$193
Erie$2,854$237
West Virginia average$3,567$297

Drivers with a DUI in West Virginia can expect to see their insurance rates increase by as much as 45%. That is why it is essential to find a car insurance provider that offers the most affordable rates after a DUI offense. 

Cheapest Car Insurance in West Virginia with Poor Credit

GEICO offers the cheapest auto insurance rates for drivers who have a poor credit history in West Virginia. GEICO’s rates are $1,948 per year for our sample 30-year-old male driver or 22% less per year. 

State Farm and Westfield are two insurance companies with a less expensive option offering their best rates in the Mountain State 14% lower than the state’s $2,489 average rates.

InsurerAnnual costMonthly cost
GEICO$1,948$162
State Farm$2,123$176
Westfield$2,186$182
West Virginia average$2,489$207

Those who have a bad credit score in West Virginia may see that their insurance rates are higher than average. For most people, poor credit score insurance rates are 22% higher than those with good credit scores, according to the West Virginia Offices of the Insurance Commissioner.

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Make sure to pay your bills and credit cards on time to save money on your West Virginia auto insurance premium.  

Cheapest Car Insurance for Young Drivers in West Virginia

Erie offers the cheapest car insurance rates for younger drivers in West Virginia with clean driving records, with an average premium of $3,367 per year for full coverage car insurance.

For less than average costs for minimum coverage, younger drivers should choose Erie and State Farm, which offered our licensed agents a $1,043 and $1,217 per year quote or 38% less per year than average rates. 

For young drivers‘ state minimum coverage, Westfield offers cheaper than average insurance rates at $1,477 per year or 25% less expensive than other car insurance companies in West Virginia.

InsurerFull coverageMinimum coverage
Erie$3,367$1,047
Westfield$3,751$1,477
USAA$4,022$1,186
State Farm$3,838$1,217
GEICO$6,384$2,128
Progressive$7,135$2,836
Allstate$7,836$1,563
Nationwide$8,241$2,947
West Virginia average$5,972$1,956

*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Young or teen drivers needing coverage in West Virginia can save more by comparing insurance costs like those shown above. Drivers who choose Erie Insurance can save as much a 44% on their insurance premiums, which can be substantial savings for younger drivers and their parents.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

During our analysis of auto insurers with best rates, our agents found teen drivers needing coverage in West Virginia with traffic violations on their driving record can get cheaper insurance rates with State Farm at $3,903 per year or $325 monthly rate, which is 40% less expensive than average rates. 

InsurerAnnual costMonthly cost
State Farm$3,903$325
Erie$4,011$334
GEICO$6,415$534
West Virginia average$6,433$536

Cheapest Car Insurance for Young Drivers with a Car Accident

Young West Virginia drivers with an at-fault car accident on their driving record can find the cheapest full coverage auto insurance quotes with State Farm, which provided us a quote at $3,959 per year or 44% lower than the average car insurance rates of a similar driver profile.

InsurerAnnual costMonthly cost
State Farm$3,959$329
Erie$4,451$370
GEICO$6,737$561
West Virginia average$6,954$579

Best Auto Insurance Companies in West Virginia

Several great insurance companies to choose from coverage in West Virginia based on their price, customer service and support, and coverage level.

ValuePenguin did a survey and found the overall best car insurance companies in West Virginia are Nationwide and USAA, with high marks from current policyholders for claims satisfaction. If you are not eligible for USAA, the next best options are Progressive and State Farm based on customer service. 

Insurer% respondents satisfied with recent claim% customer service as excellent
USAA78%62%
Nationwide78%53%
Progressive74%34%
State Farm73%46%
Allstate72%47%
Erie Insurance67%50%
GEICO64%42%

AutoInsureSavings.org team of licensed insurance agents compared complaints by each insurance company using the National Association of Insurance Commissioners complaint index.

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Using the complaint index (best ratio of complaints to market share) from NAIC, the best car insurers are Nationwide and State Farm. Both car insurance companies are below the national average of 1.00

InsurerNAIC complaint indexJ.D. Power claims satisfactionAM Best rating
Nationwide0.37876A+
State Farm0.66881A++
Allstate0.71876A+
USAA0.96890A++
Progressive0.97856A+
Erie0.99880A+
GEICO1.01871A++
Westfield1.43n/aA

Using J.D. Power’s claims satisfaction survey and A.M. Best’s financial strength ratings, the best insurance providers are USAA, State Farm, and Erie.  

Average Cost of Car Insurance by City in West Virginia

Auto insurers use your zip code and many risk factors like your credit score, marital status, vehicle type, and past driving history to determine your West Virginia car insurance costs. The average cost of insurance for West Virginia drivers is $1,963 per year or $163 per month. During our comparison shopping study, we found the cheapest insurers by city. 

Cheapest Car Insurance in Charleston, WV

Charleston, WV drivers can shop around and find the cheapest auto insurance coverage from Nationwide, which provided our agents a $1,472 rate per year for a full coverage auto insurance policy. Nationwide’s rate is 35% lower than average rates in Charleston.  

Charleston CompanyAverage Premium
Nationwide$1,472
Westfield$1,583
State Farm$1,661
Charleston average$2,237

Cheapest Auto Insurance in Huntington, WV

Drivers in Huntington, WV with clean driving history, can find the least expensive insurance rate with State Farm at $1,317 per year for full coverage for our sample 30-year-old driver, 41% below average rates in Huntington, West Virginia.  

Huntington CompanyAverage Premium
State Farm$1,317
Westfield$1,480
Liberty Mutual$1,695
Huntington average$2,213

Cheapest Car Insurance in Morgantown, WV

We found the cheapest auto insurance quotes in Morgantown, WV is from GEICO, with a $1,278 quote per year for full coverage with $500 deductibles of collision and comprehensive coverage. GEICO’s rate is 42% cheaper than average rates in Morgantown.   

Morgantown CompanyAverage Premium
GEICO$1,278
Westfield$1,374
Allstate$1,707
Morgantown average$2,171

Cheapest Auto Insurance in Parkersburg, WV

For Parkersburg’s cheapest auto insurance rates, our agents recommend Nationwide with a quote at $1,254 for our sample 30-year-old driver. Nationwide’s rate is 43% cheaper than Parkersburg, WV average rates.

Parkersburg CompanyAverage Premium
Nationwide$1,254
State Farm$1,461
Allstate$1,675
Parkersburg average$2,180

Cheapest Car Insurance in Wheeling, WV

In Wheeling, WV, drivers with clean driving records can get the cheapest auto insurance coverage with Erie, which provided our agents a quote at $1,306 per year for our 30-year-old sample driver with a full coverage policy. 

Wheeling CompanyAverage Premium
Erie$1,306
State Farm$1,443
GEICO$1,519
Wheeling average$2,157

Cheapest Auto Insurance in Fairmont, WV

Fairmont residents needing the cheapest auto coverage for their car should get quotes from Erie, who provided our insurance agents a rate at $1,473 per year or 35% lower than average rates in Fairmont, WV.  

Fairmont CompanyAverage Premium
Erie$1,473
Westfield$1,619
The Hartford$1,758
Fairmont average$2,245

Cheapest Car Insurance in Beckley, WV

Beckley, WV’s cheapest auto insurance, is with Erie, who provided us a quote at $1,382 per year for a 30-year-old driver with full coverage. Erie’s rate is 35% less expensive than the average Beckley rate.

Beckley CompanyAverage Premium
Erie$1,382
GEICO$1,497
Nationwide$1,644
Beckley average$2,094

Average Auto Insurance Costs for All Cities in West Virginia

CityAnnual Premium CostCityAnnual Premium Cost
Charleston$2,237Boaz$1,816
Huntington$2,213Marmet$1,798
Morgantown$2,171Parsons$1,874
Parkersburg$2,180Montgomery$1,842
Wheeling$2,157Nutter Fort$1,911
Weirton$2,207Fairlea$1,857
Fairmont$2,245Hamlin$1,888
Martinsburg$1,899Shepherdstown$1,920
Beckley$2,094Glen Dale$1,927
Clarksburg$2,054Rand$1,948
Teays Valley$2,116Mabscott$1,798
South Charleston$2,325Mullens$2,023
Vienna$1,816Cassville$1,986
St. Albans$1,842Mount Gay-Shamrock$2,038
Bluefield$1,920Falling Waters$1,927
Cross Lanes$2,065Benwood$2,012
Cheat Lake$1,911Eleanor$1,874
Bridgeport$1,888Fort Ashby$1,902
Moundsville$1,857Ansted$2,019
Oak Hill$2,046Lavalette$2,023
Dunbar$1,948Beaver$2,068
Elkins$2,012Barrackville$1,798
Pea Ridge$1,986Newell$1,816
Hurricane$2,068Sistersville$1,920
Brookhaven$2,111Marlinton$2,172
Nitro$2,146Rainelle$1,927
Charles Town$2,127Bolivar$2,012
Princeton$1,902Brush Fork$1,842
Buckhannon$2,127Wayne$1,888
New Martinsville$2,023Gilbert Creek$1,857
Ranson$2,114Oceana$2,037
Grafton$2,107Tornado$1,911
Keyser$2,100Monongah$2,019
Barboursville$1,920Buffalo$2,127
Sissonville$2,140Belle$1,948
Westover$1,874Coal Fork$2,068
Point Pleasant$1,927Chapmanville$1,986
Weston$1,798Athens$1,902
Lewisburg$1,842Washington$2,127
Ravenswood$2,141Alderson$2,129
Shannondale$2,068Ceredo$1,798
Summersville$2,149Lubeck$1,857
Shady Spring$2,012Sophia$2,114
Philippi$1,920Smithers$1,927
Culloden$1,911Clendenin$2,133
Inwood$1,888Sutton$1,920
 Blennerhassett$1,902Despard$2,105
Moorefield$2,037New Cumberland$2,012
Ripley$2,019Piney View$2,068
Pleasant Valley$2,127Pennsboro$1,798
Paden City$1,948Poca$1,842
Kingwood$2,152Bethany$2,019
White Sulphur Springs$1,986Mallory$1,874
Kenova$1,857Enterprise$2,023
Welch$1,927Rupert$1,888
Williamstown$2,155Rivesville$2,037
Fayetteville$2,140Chelyan$2,127
Williamson$1,948Mount Hope$1,911
Madison$2,137Accoville$2,141
Hinton$1,920Gassaway$1,798
Winfield$1,789Man$1,902
Follansbee$2,012North Hills$2,019
Pinch$1,874Stanaford$1,857
Granville$2,114East Bank$1,927
Wellsburg$2,105Fort Gay$1,986
Bluewell$1,888Triadelphia$2,133
Milton$2,068Belmont$2,127
Hooverson Heights$1,911Danville$1,920
Crab Orchard$2,023Gauley Bridge$2,100
Petersburg$1,842Wiley Ford$2,141
Bethlehem$2,136Bruno$1,948
Craigsville$1,902Mason$2,140
Chester$2,019Lumberport$1,920
Shinnston$1,798Hilltop$2,030
Star City$2,037Addison (Webster Springs)$1,789
Richwood$1,857Shrewsbury$1,888
Harrisville$2,141Bath (Berkeley Springs)$2,019
Belington$1,986Piedmont$2,105
Romney$1,798Lesage$1,911
Mineralwells$1,927Glasgow$1,874
Spencer$2,133Powellton$2,037
Ronceverte$2,141War$2,068
St. Marys$1,948Scarbro$2,114
Stonewood$2,012Boomer$1,798
Chesapeake$2,119Carpendale$1,842
Daniels$1,920Beverly$1,789
Logan$1,888Gallipolis Ferry$1,902
Prosperity$2,105Elizabeth$2,023
Alum Creek$2,037East Dailey$1,857
McMechen$1,874Clay$1,986
Bradley$1,911Holden$1,927
Glenville$2,100Peterstown$2,132
Terra Alta$1,902White Hall$1,986
Coal City$1,789Mill Creek$1,920
Salem$1,842Cedar Grove$2,012
MacArthur$1,927Pineville$1,874
Mannington$1,986Davis$1,911
Elkview$1,857Paw Paw$1,789
West Liberty$2,089Chattaroy$1,888
New Haven$1,798West Hamlin$1,844

Minimum Requirements for West Virginia Car Insurance

West Virginia drivers must have a minimum amount of liability insurance requirements in their insurance policies to follow state laws and financial responsibility.

Along with standard liability coverage, drivers in West Virginia need uninsured motorist coverage, which covers you in the event of an auto accident with an uninsured motorist.

Below are the minimum coverage limits. 

Liability insuranceMinimum requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist bodily injury$25,000 per person / $50,000 per accident
Uninsured motorist property damage liability$25,000 per accident

AutoInsureSavings.org licensed agents recommend getting higher liability limits of bodily injury liability and property damage liability insurance to cover your assets in the event of an accident. 

Our agents recommend most motorists in West Virginia carry full coverage with comprehensive and collision coverage to protect their vehicle in an unforeseen car accident.

Frequently Asked Questions

Who has the Cheapest Auto Insurance in West Virginia?

Erie Insurance for minimum coverage. Erie offers some of the best insurance industry rates, with a $434 per year rate for a 30-year-old driver in West Virginia. State Farm at $457 per year and USAA at $490 per year are two other insurers offering the best rates for drivers needing minimum coverage in West Virginia. The average cost of West Virginia auto insurance is $598 per year for state minimum coverage. 

Because insurance rates are based on various factors such as vehicle type, it is best to compare multiple providers’ rates to determine who has the cheapest coverage in West Virginia for you.

How Much is Car Insurance in West Virginia per Month?

The average rate for West Virginia auto insurance is $163 per month for a driver who is 30 years old and has full coverage. That is $1,963 per year. Here are some totals for the average monthly car insurance rate for drivers in West Virginia: Nationwide: $117 per month, State Farm: $123 per month, and GEICO: $154 per month.

How Much Is Full Coverage Car Insurance in West Virginia?

The average cost of full coverage car insurance in West Virginia is $1,963 per year or $163 per month. Nationwide’s best rate for full coverage is $1,415 per year or $117 per month for a 30-year-old male driver with a good driving record. State Farm’s rate is $1,481 per year, and GEICO’s rate is $1,858 per year, and both are below the state’s average rate. 

How do I Save on Auto Insurance in West Virginia?

There are several things drivers in West Virginia can do to save money on their car insurance costs. We suggest asking your insurance agent about any car insurance discounts you may be eligible for. If you are looking for a new provider, it is best to find one that offers plenty of discounts to help you save even more. Find out if you are eligible for telematics or usage-based insurance, such as Nationwide’s SmartRide program, where you could save as much as 40% on your auto insurance premium at renewal. 

The car you drive also plays a significant role in your rates, driving history, and credit rating. Therefore, practicing safe driving habits, maintain good driving records, and keeping a close eye on your credit cards and report can lower your car insurance rates.

To help you find the right and affordable car insurance options in West Virginia, get expert insurance advice at AutoInsureSavings.org. The best way is to get started and enter your zip code. Our licensed professionals will help you find the best answer to any questions you have.

Methodology

AutoInsureSavings.org collects hundreds of quotes in West Virginia across various zip codes from the largest insurance companies via Quadrant Information Services. Our sample driver profile is a 30-year-old driving a 2018 Honda Accord with good credit. We used a full coverage car insurance policy unless otherwise stated with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

When AutoInsureSavings.org quotes a driver with a minimum coverage policy, we used the minimum liability limits per West Virginia insurance regulations. We used credit score, marital status, driving history, and accident history for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.

Sources

– NOLO. “West Virginia Car Insurance Requirements.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– AIPSO. “Plan Sites: West Virginia.”
– WV Offices of Insurance Commissioner. “Shopping for Coverage.”
– West Virginia Division of Motor Vehicles. “Consumer Insurance Information.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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