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Car insurance in hilly, beautiful West Virginia can be among the most expensive in the country. Insurance rates in coal country, in West Virginia's southwest corner, often are nearly double those paid by an identical driver in another part of the state. You'll find state car insurance rates for every ZIP code mapped below. The good news is that if you compare rates, you can save money, no matter where you live. No two insurance companies will charge the same price for the same policy as each uses its own formula to calculate costs. So, if you shop around to see who has the lowest, you won't overpay. Enter your ZIP code, age and coverage level to see how much rates differ among insurers. You'll see the average rate, plus the highest and lowest, for your neighborhood, so you know what you can expect to pay.

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West Virginia Car Insurance Rates by ZIP Code

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Coverage Types
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State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
25305, Charleston,  For 30 Year Old  Male  (Type:  Liability - Minimum )
Average Monthly Premium
$50
Highest Rate
$75/mo
Lowest Rate
$33/mo
Compare personalized quotes from up to 20 companies in West Virginia now

Cheap car insurance in West Virginia

West Virginia car insurance requirements

Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$25,000
Uninsured/underinsured motorist bodily injury$25,000/$50,000
Uninsured/underinsured motorist property damage$25,000 ($300 deductible)

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

Liability

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in West Virginia, collision costs an average of $463 yearly, comprehensive is $175, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Coverage limitsAverage annual rate
Liability Only - state minimum$493
Liability Only - 50/100/50 BI/PD$545
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible$1,375

**The table shows the average annual rate of nearly every ZIP code in West Virginia from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Cheapest car insurance in West Virginia by company

Below you'll see average annual rates for West Virginia, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 average annual rate
Allstate Prop & Cas Ins Co$578$643$1,853
Geico Gen Ins Co$374$431$1,149
Nationwide Mut Ins Co$510$579$1,327
Progressive Max Ins Co$628$646$1,238
State Farm Mut Auto Ins Co$374$428$1,309

Low cost auto insurance for West Virginia drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average West Virginia driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allstate P&C$2,488$3,547$2,488
GEICO General$1,523$2,852$1,523
NICOA$2,108$2,746$2,108
Nationwide Mutual$2,942$4,255$2,942
Progressive Max$1,499$3,476$1,499
State Farm Mutual Auto$1,042$1,663$1,042

*The table shows the average annual rate of nearly every ZIP code in West Virginia from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Who has the cheapest West Virginia car insurance for drivers with speeding tickets?

If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $1,208, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.

CompanyAverage Rate
State Farm Mutual Auto$1,042
GEICO General$1,587
NICOA$1,682
Progressive Max$1,827
Nationwide Mutual$2,074
Allstate P&C$2,251

How much does it cost to add a teen to your policy in West Virginia?

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In West Virginia, you can expect your rate to go up by an average of 157 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in West Virginia, and how major insurers compare on price. State Farm Mutual Auto had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

CompanyAverage RateAverage Rate after adding female teen$ Increase (female)Average Rate after adding male teen$ Increase (male)
Allstate P&C$2,019$4,625$2,606$5,094$3,076
GEICO General$1,187$2,581$1,395$3,279$2,092
Nationwide Mutual$1,755$3,139$1,385$3,737$1,982
NICOA$1,460$2,554$1,095$3,025$1,566
Progressive Max$1,409$3,525$2,117$3,974$2,565
State Farm Mutual Auto$971$2,747$1,776$3,487$2,516

Cheapest West Virginia auto insurance for young drivers: Ages 18 to 25

Enter an age from 18 to 25 to see who has the best rates for young drivers in West Virginia, by company.

You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.

Senior drivers: Cheap auto insurance for West Virginia drivers age 65 to 85

Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.

Car insurance for West Virginia drivers with bad credit

Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. West Virginia ranks 45th  among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows. Compared to good credit drivers, those in West Virginia with bad credit pay 48 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $1,340 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.

CompanyPoor credit
GEICO General$1,614
NICOA$1,841
State Farm Mutual Auto$1,924
Nationwide Mutual$2,223
Progressive Max$2,445
Allstate P&C$2,954

Best car insurance companies in West Virginia

Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.

RankCompanyScore
1American Family93.80
2CSAA Insurance Group91.63
3Farmers90.59
4USAA88.45
5Erie88.30
6Progressive87.32
7The General87.22
8Nationwide86.88
9The Auto Club Group (ACG) - AAA86.09
10Metlife85.58
11State Farm85.56
12Allstate85.37
13Geico85.22
14Esurance85.16
15Liberty Mutual84.52
16Auto Club of Southern California (Auto Club Enterprise Insurance Group)84.50
17Travelers82.32
18Hartford81.66
19Safeco80.54

 

Largest car insurance companies in West Virginia

RankCompanyPremiums WrittenMarket Share
1State Farm Group329,65126.62%
2Nationwide Group145,85811.78%
3Berkshire Hathaway Insurance Group124,70910.07%
4Allstate Insurance Group92,0077.43%
5Progressive Insurance Group84,3326.81%
6Liberty Mutual Insurance Companies54,3564.39%
7USAA Group48,4343.91%
8American Family Insurance Group4,6380.37%
9Farmers Insurance Group1,0560.09%
10Travelers Group1950.02%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

West Virginia Car Insurance Laws

RoadsNumber of Fatal Accidents
I-7720
US-6012
I-7912
I-6412
US-21911
SR-211
US-509
US-199
US-1199
US-337

West Virginia mandates that motorists buy $25,000 worth of bodily injury liability coverage (up to $50,000 per accident) and $25,000 worth of property damage liability coverage as well.

Those minimum limits for liability insurance are low compared with other states, perhaps not enough to protect a driver who owns a home or has other assets. Even a minor accident involving a newer car can cost more than $10,000 to fix or exceed $20,000 in medical bills.

The state also requires drivers to buy uninsured motorist coverage for both bodily injury and property damage. About 11 percent of West Virginia drivers are uninsured, according to the Insurance Research Council.

West Virginia uninsured motorist penalties: You may be fined $200 to $5,000 and be sentenced to 15 days to one year in jail. Your license and registration may be suspended.

Watch out during deer season: Your odds of hitting a deer are higher in West Virginia than in any other state: 1 in 39, according to data gathered by State Farm. The damage isn't covered unless you buy comprehensive coverage.

Riding shotgun: Among the offenses that can add two points to your West Virginia driver's license: having more than three passengers in the front seat.

Defensive-driving classes: Drivers can remove three points from their motor vehicle records by taking a state-approved defensive-driving class, but only once every two years. Suspensions begin when 12 or more points have accumulated; points drop off after two years but notices of the conviction remain for five.

Average annual car insurance rates for major cities in West Virginia

Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Show Tablular Data
CityAverage Premium
Charleston$1,575
Huntington$1,578
Morgantown$1,455
Parkersburg$1,504
Weirton$1,521
West Virginia$1,535
National$1,679
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Get quick car insurance estimates in WV
Enter a valid zip