Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,215 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in West Virginia. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in West Virginia works and how much insurance you need.
- The average cost of car insurance in West Virginia is $2,005 a year or $167 per month, based on our data analysis.
- Minimum liability coverage in West Virginia costs around $510 annually for limits of 25/50/25, while liability-only coverage costs $585 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in West Virginia, costing $1,215 per year.
- In West Virginia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 75%, and an at-fault accident by up to 47%.
How much is car insurance in West Virginia?
CarInsurance.com data found that drivers in West Virginia pay $167 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in West Virginia based on driver profile:
- Teen drivers in West Virginia pay the most — about $532 a month or $6,387 a year.
- Young drivers in their 20s pay an average of $266 monthly or $3,197 annually, for car insurance.
- Senior drivers pay around $163 monthly or $1,959 a year.
- A speeding ticket can increase your rates to $232 monthly or $2,789 annually.
- An at-fault accident increases car insurance rates to $252 a month or $3,020 a year.
- Poor credit drivers usually see their car insurance costs increase to $351 monthly or $4,214 annually.
Average cost of auto insurance in West Virginia by coverage level
Car insurance costs in West Virginia can differ based on the coverage limit. To legally drive, West Virginia residents must adhere to the minimum liability limits of 25/50/25.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in West Virginia. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the West Virginia car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $43 | $510 |
| Liability Only – 50/100/50 BI/PD | $49 | $585 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 | $2,005 |
State minimum car insurance in West Virginia
West Virginia’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
In West Virginia, you can get state minimum car insurance for $510 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in West Virginia must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in West Virginia
According to CarInsurance.com data, liability-only car insurance costs $585 in West Virginia for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in West Virginia
The average annual premium in West Virginia is $2,005 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in West Virginia
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of West Virginia have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in West Virginia
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in West Virginia by car model
West Virginia car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in West Virginia.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in West Virginia
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. West Virginia drivers aged 30 to 60 have the lowest average auto insurance rates at $1,956 annually.
Drivers aged 16-19 pay $4,431 more for car insurance than West Virginia drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,387 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,065 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,956 annually in West Virginia.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,959 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in West Virginia
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In West Virginia, a DUI conviction lead to increased rates and you may see a rate hike of up to 75% as insurers categorize you as a high-risk driver.
If you get caught speeding in West Virginia, your car insurance rates will increase by 30% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in West Virginia following driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 47% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in West Virginia for high-risk drivers
In West Virginia, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in West Virginia
In West Virginia, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in West Virginia by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in West Virginia and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| 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 | $270 | $325 | $1,189 |
Car insurance rates by city in West Virginia
Genoa is West Virginia’s most expensive city for car insurance at an average cost of $2,275 annually. Triadelphia is the state’s least expensive city, with an average car insurance rate of $1,798 annually.
Car insurance rates vary by city in West Virginia for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for West Virginia’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in West Virginia per month?
The average cost of a full-coverage car insurance policy in West Virginia costs $167 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $43 |
| Liability Only – 50/100/50 BI/PD | $49 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $167 |
Final thoughts on choosing car insurance in West Virginia
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in West Virginia. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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