CarInsurance.com Insights
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in West Virginia.
- The average annual cost of a full coverage policy in West Virginia with liability limits of 100/300/100 is $2,005 or $167 per month.
- Minimum liability coverage in West Virginia costs around $510 per year, based on CarInsurance.com’s data analysis.
Estimating the cost of car insurance in West Virginia depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in West Virginia for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
Car insurance calculator West Virginia: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in West Virginia?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in West Virginia by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,698 |
| Electric | $2,679 |
| Hatchback | $1,802 |
| Hybrid | $2,301 |
| Luxury Car | $3,045 |
| Luxury SUV | $2,588 |
| Minivan | $1,696 |
| Performance SUV | $2,803 |
| Sedan | $1,868 |
| Sports Car | $3,050 |
| Station Wagon | $2,806 |
| SUV | $1,765 |
| Truck | $1,997 |
| Van | $1,618 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in West Virginia by make and model.
Insurance rates by car model
Speak with a friendly agent and get your quote in minutes!
West Virginia car insurance estimates for used cars
In West Virginia, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in West Virginia using the calculator below based on your car’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in West Virginia
How much auto insurance do I need in West Virginia?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including West Virginia. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in West Virginia per month?
West Virginia car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $167 per month. For the state minimum liability, it’s $43, and $49 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in West Virginia?
Young drivers in West Virginia typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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