The cheapest car insurance in West Virginia costs $101 per month for a full coverage policy from Nationwide. That’s a $66 savings from the average cost of insurance in the state, which is $167 a month.
“Drivers looking to get the cheapest insurance premiums in West Virginia should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in West Virginia including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Nationwide has the cheapest car insurance rates in West Virginia for full coverage at $101 a month among the companies analyzed by the team of CarInsurance.com.
- In West Virginia, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of Triadelphia has the lowest auto insurance rates in West Virginia, with an average premium of $1,798 per year.
- You can save up to 40% per year on your car insurance policy in West Virginia by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in West Virginia?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for West Virginia drivers at a monthly rate of $101 or $1,215 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in West Virginia.
Cheapest car insurance rates in West Virginia per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $101 |
| State Farm | $141 |
| Erie Insurance | $142 |
| Progressive | $152 |
| Westfield Insurance | $176 |
| GEICO | $187 |
| Farmers | $203 |
| Encova | $244 |
| Allstate | $261 |
| USAA* | $99 |
Note: USAA is only available to military community members and their families.
West Virginia drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 7% less than single drivers.
- West Virginia drivers with clean records pay 43% less than drivers who have a DUI on their record.
- West Virginia drivers in their 20s pay 60% lower rates for insurance than a 16-year-old in West Virginia.
- Adding a teen to your policy will cost you 67% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest West Virginia companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in West Virginia.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in West Virginia
In West Virginia, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists West Virginia’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $368 |
| Westfield Insurance | $368 |
| State Farm | $395 |
| Nationwide | $424 |
| GEICO | $578 |
| Farmers | $681 |
| Progressive | $701 |
| Allstate | $774 |
| Encova | $778 |
| USAA* | $270 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in West Virginia
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in West Virginia, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Erie Insurance | $440 |
| Westfield Insurance | $443 |
| Nationwide | $455 |
| State Farm | $463 |
| GEICO | $678 |
| Farmers | $716 |
| Progressive | $757 |
| Allstate | $837 |
| Encova | $913 |
| USAA* | $325 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in West Virginia
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in West Virginia from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,215 |
| State Farm | $1,691 |
| Erie Insurance | $1,709 |
| Progressive | $1,825 |
| Westfield Insurance | $2,111 |
| GEICO | $2,248 |
| Farmers | $2,442 |
| Encova | $2,933 |
| Allstate | $3,132 |
| USAA* | $1,189 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in West Virginia by driving history
In West Virginia, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In West Virginia, drivers with a history of such violations typically pay $622 more annually than drivers with clean records.
Cheap car insurance in West Virginia after a speeding ticket
If you have a speeding ticket on your West Virginia driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,272 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,272 | 8% | $90 |
| Nationwide | $980 | $1,360 | 39% | $381 |
| Erie Insurance | $1,252 | $1,368 | 9% | $116 |
| Progressive | $1,596 | $2,027 | 27% | $431 |
| GEICO | $1,131 | $2,499 | 121% | $1,369 |
| Automobile Club of MI (AAA) | $1,904 | $2,537 | 33% | $632 |
| Allstate | $2,410 | $2,687 | 12% | $277 |
| USAA* | $937 | $1,079 | 15% | $141 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in West Virginia
CarInsurance.com analyzed insurance rates for West Virginia drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,272. Nationwide is the second-cheapest insurer at an average of $1,707 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,272 | 8% | $90 |
| Nationwide | $980 | $1,707 | 74% | $727 |
| Erie Insurance | $1,252 | $1,866 | 49% | $614 |
| Progressive | $1,596 | $2,117 | 33% | $522 |
| GEICO | $1,131 | $2,560 | 126% | $1,429 |
| Allstate | $2,410 | $3,258 | 35% | $848 |
| Automobile Club of MI (AAA) | $1,904 | $5,494 | 188% | $3,590 |
| USAA* | $937 | $1,679 | 79% | $742 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in West Virginia after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,362 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,421.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,362 | 15% | $180 |
| Nationwide | $980 | $1,421 | 45% | $441 |
| Erie Insurance | $1,252 | $1,476 | 18% | $224 |
| Progressive | $1,596 | $2,465 | 54% | $869 |
| GEICO | $1,131 | $2,521 | 123% | $1,391 |
| Automobile Club of MI (AAA) | $1,904 | $2,893 | 52% | $989 |
| Allstate | $2,410 | $3,411 | 42% | $1,001 |
| USAA* | $937 | $1,168 | 25% | $231 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in West Virginia
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In West Virginia, Triadelphia stands out as the city with the lowest auto insurance rates, at an average of $1,798 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in West Virginia with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Triadelphia | $1,798 |
| Valley Grove | $1,805 |
| Tuscarora | $1,807 |
| Martinsburg | $1,807 |
| Wheeling | $1,810 |
| Falling Waters | $1,813 |
| Shepherdstown | $1,814 |
| West Liberty | $1,814 |
| Norborne | $1,818 |
| Shenandoah Junction | $1,820 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in West Virginia?
By comparing car insurance quotes, you can save an average of 40% per year for a full coverage policy in West Virginia.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in West Virginia: Save on premiums
In West Virginia, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in West Virginia below.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $37 |
| Daily commute | 8% | $129 |
| Days advanced purchase | 7% | $132 |
| Education | 8% | $135 |
| Electronic funds transfer | 4% | $109 |
| Electronic signature | 8% | $132 |
| Homeowner | 5% | $98 |
| Lower annual mileage | 5% | $91 |
| Loyalty – years renewal with company | 10% | $149 |
| Marital status | 7% | $150 |
| Multi policy | 7% | $150 |
| Paperless/electornic documents | 3% | $83 |
| Payment type | 10% | $321 |
| Primary use | 13% | $214 |
| Profession | 12% | $198 |
| Safety devices | 2% | $61 |
| Telematics | 13% | $286 |
| Years insured | 17% | $565 |
| Years licensed | 24% | $640 |
The bottom line on cheap car insurance in West Virginia
Based on our research, if you are a good driver, Nationwide is the cheapest in West Virginia for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in West Virginia is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of West Virginia for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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