Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.
Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in West Virginia and suggest other ways to save on your auto insurance premiums.
- The average cost of car insurance for a 65-year-old driver in West Virginia is $1,806 per year for a full coverage policy.
- According to CarInsurance.com’s research, a 70-year-old driver in West Virginia pays 6% more for full coverage than more for full coverage than a 65-year-old driver.
- Finding the cheapest car insurance for seniors over 70 becomes more important as rates increases significantly. For instance, a 75-year-old driver in West Virginia pays 15% more more a full coverage policy than a 65-year-old driver.
- Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.
Cheapest car insurance companies for seniors in West Virginia
Below are the cheapest, full-coverage car insurance rates in West Virginia for drivers at various ages:
- Overall cheapest car insurance for seniors over 60: Nationwide, $99 per month.
- Cheapest for seniors at age 65: Nationwide, $92 per month.
- Cheapest for seniors at age 70: Nationwide, $99 per month.
- Cheapest for seniors at age 75: Nationwide, $107 per month.
Compare cheap car insurance quotes for senior drivers in West Virginia
Below, find the cheapest car insurance rates in West Virginia from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.
Select your age and type of coverage below to see the average annual and monthly rates.
| Company Name | Avg. Annual Premium | Avg. Monthly Premium |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.
Liability car insurance with limits of 50/100/50 means:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury per accident
- $50,000 per accident for property damage
A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.
Full coverage insurance with limits of 100/300/100 includes higher liability limits:
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury to multiple people
- $100,000 per accident for property damage
It also typically includes:
- Collision coverage: Pays for damages to your car from a collision.
- Comprehensive coverage: Covers damages to your car from non-collision events (e.g., theft, fire, vandalism).
Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.
Why do car insurance rates increase for senior drivers in West Virginia?
Insurance rates for older drivers tend to increase due to several factors. Statistics suggest that seniors are more likely to be involved in accidents compared to younger drivers, excluding teen drivers, according to the Insurance Institute for Highway Safety.
While older drivers usually have decades of experience under their belt, they often suffer from age-related hearing or vision loss, slower reflexes, side effects from medicines and other health issues that can make driving more difficult.
The CDC found that drivers older than 70 have higher crash death rates per 1,000 crashes than drivers aged 35-54 and NHTSA statistics show that senior drivers 65 and older were involved in 13% of fatal accidents in 2020, which is up 26% from 2011.
In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.
“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.
“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.
All of this leads to higher car insurance rates. Car insurance premiums go up for most senior drivers in their mid-60s, according to CarInsurance.com data analysis, and then continue to climb. The average car insurance cost for a 65-year-old driver in West Virginia is $1,806 for a full coverage policy. Drivers age 70 pay $1,924 for the same coverage.
In West Virginia, 70-year-old drivers pay 6% more for full coverage than 65-year-olds and 75-year-olds pay 15% more for a full coverage policy, based on CarInsurance.com data.
Find below the annual average rate increases for senior drivers in West Virginia by age and different coverage limits.
| Age | State minimum | Liability only | Full coverage |
|---|---|---|---|
| 65 | $488 | $575 | $1,806 |
| 70 | $530 | $612 | $1,924 |
| 75 | $599 | $681 | $2,143 |
Coverage types:
- Full coverage: 100/300/100 liability with $500 comp/coll deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage only
Find out how much insurance costs for seniors
Cheapest car insurance for seniors with tickets in West Virginia
A speeding ticket or other moving violation will increase your insurance rates regardless of age. Insurers rely on statistics, which indicate that drivers with a ticket are more likely to be involved in an accident that could lead to a claim.
The rate increase will vary by insurance company, but West Virginia drivers can expect a 37% rise in their premiums after receiving a speeding ticket for going 1-29 mph over the limit.
If you are a senior with a speeding ticket or other minor moving violation on your record, expect to pay more for coverage. When we ran the numbers, these were the best insurance companies for seniors with tickets on their records.
| Company | Annual rates with 1 speeding ticket | Monthly rates with 1 speeding ticket |
|---|---|---|
| State Farm | $1,614 | $135 |
| Nationwide | $1,669 | $139 |
| Erie Insurance | $1,724 | $144 |
| Progressive | $2,369 | $197 |
| Allstate | $3,347 | $279 |
| Farmers | $3,421 | $285 |
| GEICO | $4,769 | $397 |
| USAA* | $1,272 | $106 |
Compare senior car insurance rates in neighboring states
Cheapest car insurance for seniors with DUIs in West Virginia
A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 96% after the first DUI and up to 236% after a second.
After a DUI, finding affordable or any coverage can be difficult, but based on our data, these insurers are the best options for seniors with a DUI in West Virginia:
| Company | Annual rates with DUI first offense | Monthly rates with DUI first offense |
|---|---|---|
| State Farm | $1,614 | $135 |
| Nationwide | $2,169 | $181 |
| Erie Insurance | $2,345 | $195 |
| Progressive | $2,499 | $208 |
| Allstate | $4,069 | $339 |
| Farmers | $4,589 | $382 |
| Westfield Insurance | $4,798 | $400 |
| GEICO | $4,981 | $415 |
| USAA* | $1,997 | $166 |
Cheapest car insurance for seniors after an accident in West Virginia
Just like a ticket or DUI, having an accident on your driving record will push up your insurance rates. The increase will vary by insurance company but according to our data, drivers should expect their premium to jump 52% with one at-fault accident with property damage over $2,000.
The increase will generally be in effect for three to five years, so it’s essential to seek the most affordable insurance provider. Below, these insurers offer the cheapest car insurance rates for seniors after an accident in West Virginia.
| Company | Annual rates with 1 at-fault accident | Monthly rates with 1 at-fault accident |
|---|---|---|
| State Farm | $1,663 | $139 |
| Nationwide | $1,727 | $144 |
| Erie Insurance | $1,851 | $154 |
| Westfield Insurance | $2,880 | $240 |
| Progressive | $2,927 | $244 |
| Farmers | $2,997 | $250 |
| Allstate | $4,258 | $355 |
| GEICO | $4,469 | $372 |
| USAA* | $1,755 | $146 |
How can seniors save on car insurance in West Virginia?
While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:
- Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
- Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
- Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about discounts below.
Editor’s Tip:Take a senior driving course: With an approved defensive driving course, seniors can save up to 4% on their car insurance in West Virginia. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in West Virginia.
Car insurance discounts for senior drivers in West Virginia
Here are some car insurance discounts to help seniors lower their insurance costs.
| Discount type | Potential annual savings |
|---|---|
| Anti-theft device | 2% |
| Daily commute | 8% |
| Days advanced purchase | 7% |
| Defensive driver | 4% |
| Education | 8% |
| Electronic funds transfer | 4% |
| Electronic signature | 8% |
| Homeowner | 5% |
| Lower annual mileage | 6% |
| Loyalty – years renewal with company | 10% |
| Marital status | 7% |
| Multi policy | 7% |
| Paperless/electronic documents | 3% |
| Payment type | 10% |
| Primary use | 13% |
| Profession | 12% |
| Safety devices | 2% |
| Telematics | 12% |
| Years insured | 18% |
| Years licensed | 25% |
Choosing the cheapest and best car insurance for seniors in West Virginia
Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.
When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.
FAQ: Cheap car insurance for seniors in West Virginia
Who has the cheapest state minimum auto insurance for seniors in West Virginia?
Our data show that Erie Insurance provides the cheapest state minimum auto insurance for seniors in West Virginia, at around $374 per year. State Farm and Westfield Insurance also rank highly for affordable state minimum coverage for seniors in West Virginia.
Which companies offer the cheapest liability car insurance for seniors in West Virginia?
Erie Insurance offers the cheapest liability car insurance for senior drivers in West Virginia, with an average annual premium of $447. According to a CarInsurance.com data analysis, State Farm and Nationwide also provide cheap liability insurance for seniors in West Virginia.
Does State Farm offer a senior discount in West Virginia?
State Farm does not offer a senior discount in West Virginia, but it provides many discounts that seniors can use to lower their premiums. It includes discounts for defensive driving courses, safe driving, long-term customer loyalty, bundling policies and advanced safety feature discounts.
Bottom line
Nationwide offers the cheapest car insurance quotes for senior drivers in West Virginia for a full coverage policy, based on a CarInsurance.com analysis.
By shopping around and comparing rates online from different insurers, seniors can find the best deal on their car insurance. Additionally, senior drivers could qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of insurance.
Check out how to shop for car insurance for seniors
Resources & Methodology
Additional resources
There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:
- American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
- AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
- National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
- Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
- Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.
Sources:
- Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed July 2025.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed July 2025.
- National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed July 2025.
- National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed July 2025.
Behind the rates: How we analyzed cheapest costs for seniors in West Virginia
CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.
To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.
Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied
- One at-fault property damage accident over $2K
- One at-fault property damage accident under $2K
- At-fault bodily injury accidents
- DUI/DWI first offense.
- Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)
These are sample rates and should only be used for comparison purposes.
Note: USAA is only available to military community members and their families.
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